vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed XXXX derogatory accounts reported on my credit file by TransUnion, Experian, and XXXX  These accounts contain serious errors, including re-aged dates, incorrect balances, inconsistent information across bureaus, and continued reporting after the debt was sold or resolved. 

The accounts are : XXXX. XXXX ( The Landings at XXXX XXXX ) : Re-aged to XXXX, inconsistent open dates, marked as chargeoff with no payment history. 
XXXX. XXXX : Repossessed vehicle still showing full past due amount with no deduction for collateral recovery. Conflicting last activity and payment dates. 
XXXX. XXXX XXXX : Reported with {$0.00} balance but listed as chargeoff. Re-aged Date Last Active to XXXX without any activity. No payment history provided. 
XXXX. XXXX XXXX : Shows chargeoff and full past due balance despite being inactive since XXXX. No payment history reported. 
XXXX. XXXX : Sold to CCS but still reported by original creditor as charged off. Balance reported as {$0.00} while derogatory status remains. High credit amount and payment history inconsistently reported across bureaus. 

I requested that the bureaus investigate, verify accuracy with the furnishers, provide validation, and correct or delete any unverifiable or inconsistent data. Instead, they responded with boilerplate language and failed to correct the errors. 

These actions violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 605 ( c ), and FDCPA 807. Im seeking full correction or deletion of all erroneous accounts, and a formal investigation into the credit reporting agencies failure to uphold consumer protections. 

Additionally, I have documentation confirming that my personal information was compromised in the XXXX data breach. This breach further undermines the reliability of the data being reported, and raises serious concerns about the validity and security of the information in my credit file. I request that extra care and investigation be applied to these disputed items, given my data breach exposure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find i had been the victim of identity theft i do not recognize this account please remove from my credit report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2025 Hello, This is a complaint and dispute request under the U.S. Code ( 15 USC 6802, 15 USC 1681 B, 15 USC 1692 and 18 USC 1028 ) and the Federal Education Rights and Privacy Act. Violations were found in regard to all the accounts listed above. XXXX XXXX XXXX did not consent to, was not asked for permission, or sent a disclosure for permission to access and report XXXX XXXX XXXX credit information from any of the above listed credit accounts in this document to any third party, credit reporting businesses, bureaus, or agencies. Failure to provide proper disclosure is a violation of institution privacy policy, as all businesses and financial institutions must provide clear and conspicuous disclosure to the consumer either in writing or by electronic communication ( 15 USC 6802 and 15 USC 6803 ). These violations can be found with all the credit accounts mentioned within this document and are a breach of consumer rights due to the reporting of the consumers information without permission and lack of fair and accurate reporting using reasonable procedures ( 15 USC 1681, 18 USC 1028 ). In addition to these violations, all accounts reported from XXXX XXXX XXXX XXXX XXXX XXXX, Accounts ending in XXXX ) are being disputed for the breaches listed above as well as a breach of information pursuant to the Federal Education Rights and Privacy Act. Due to the removal of the Department of Education, XXXX XXXX personal information was compromised without authorization. Information regarding the student loan accounts associated with XXXX XXXX XXXX were reported to a third-party vendor without authorization. XXXX XXXX XXXX did not provide any permission for the transfer of debt to a third party, nor the reporting of information related to any debt, which occurred with the accounts related to XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, where XXXX XXXX XXXX information was also reported to and/or transferred to a third party/collection agency without authorization/consent ( 15 USC 1692 ).

It is requested that all credit reports associated with the listed accounts be removed due to the compromise and/ or sharing of information without authorization or providing proper disclosure to the consumer. No information regarding XXXX XXXX XXXX was or is authorized to be transferred to a third party without permission. This document can be considered written instruction that the listed credit accounts be removed from XXXX XXXX XXXX credit report due to the breaches described. 

Thank you for your time and consideration of this dispute/request. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX TN, XXXX Fax Number XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Complaint Details : ORIGNAL LENDER : XXXX  XXXX XXXX XXXX : {$770.00} I am filing a formal complaint against XXXX XXXX XXXX for violations of theFair Debt Collection Practices Act ( FDCPA ) and theFair Credit Reporting Act ( FCRA ).

1. Failure to Validate Debt : I sent a written dispute to XXXX XXXX XXXX via certified maiL requesting validation of the alleged debt. XXXX XXXX XXXX hasfailed to provide any documentationproving I owe this debt, including : o A signed contract or agreement bearing my signature.

o A detailed account history showing how the debt was calculated.

o Proof of legal ownership of the debt ( chain of custody ).

2. Violation of 30-Day Response Requirement : Per the FDCPA ( 15 U.S.C. 1692g ), XXXX was required to respond to my dispute XXXX XXXX hasfailed to do so. Their lack of response renders the debt unverified, yet they continue to report it to credit bureaus. 

XXXX. Harassment & Extortion Attempts : XXXX XXXX XXXX continues to report this invalidated debt to credit bureaus, damaging my credit score. This constitutes harassment under the FDCPA, as they are attempting to collect a debt they can not legally verify.

4. Demand for Immediate Correction : o Removethe fraudulent collection account from my credit reports ( Experian, Equifax, TransUnion ) immediately. o Cease all collection efforts, includi
ng credit reporting, unless they provide lawful validation.

o Confirm in writingthat the debt has been deleted and will not be resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Equifax Information Services , LLC, I am writing to formally notify you that I am a victim of a data breach, and as a result, several accounts on my credit report have been compromised. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am requesting that all accounts affected by this breach be immediately deleted and blocked from my credit report.

The following accounts have been falsely reported to your agency and must be blocked without delay as they are the direct result of identity theft and were never authorized by me : 1. 
XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXC Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
Employer : XXXX EMPLOYEE XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX These accounts were fraudulently opened using my personal information, and I have attached all necessary supporting documentation ( such as my identity theft affidavit, police report, and any additional records you may require ). Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> I received a text from Jefferson Capital systems LLC, saying I owed a debt to XXXX for XXXX dollars. I don't have any recollection of this debt, I feel it doesn't belong to me. So I called today XX/XX/year> and requested a debt validation letter and an itemized bill and the supervisor I spoke with refused to give it to me and told me to just call XXXX. I never received any written communication about this debt or anything saying I had the right to dispute it. This is a violation and I would like this debt removed.

Company response to consumer: Closed with explanation