vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is not the first time Im disputing this fraudulent and unauthorized account XXXX XXXX XXXX Account XXXX. XXXX ) and Im demanding immediate action. Despite submitting multiple disputes since XX/XX/year>, along with all required documentation including my FTC Identity Theft Report, government-issued ID, and proof of address, TransUnion continues XXXX report this account while both XXXX and XXXX have already deleted it. Ive done my part ; TransUnion has not. This is a clear violation of 15 U.S.C. 1681c-2, which legally requires a credit bureau to block an identity theft-related account within four business days of receiving notice. TransUnions ongoing failure to comply is not only negligent its willful, and under 15 U.S.C. 1681n, they can be held liable for damages of up to {$1000.00} per violation. Their inaction is directly harming my credit, causing unnecessary stress, and shows complete disregard for consumer rights. This is not a misunderstanding or a delay its repeated, documented noncompliance, and I will not be ignored any longer. Im asking the CFPB to step in and hold TransUnion accountable for their noncompliance. I need this account permanently deleted, and I need enforcement action to ensure they finally follow the law.

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 2025-04-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 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: FL

Complaint narrative:
The following accounts below were open fraudulently without my authorization. Ive contacted the original creditor and they didnt do anything about it. Ive contacted XXXX many times and I never get anyone on the phones. I am just on hold forever I been calling for months. I need these deleted off my credit report ASAP. Its affecting my credit and my life. 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 Hard inquiry XXXX XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXX  XXXX Hard inquiry XXXX XXXX XXXX - Hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX, XXXX, TransUnion ) XXXX Department XXXX XXXX Formal Dispute & Demand for Immediate Correction or Deletion of Inaccurate Information** To Whom It May Concern, Under my rights granted by the **Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) **, I am formally disputing the following inaccurate, incomplete, or unverified accounts listed on my credit report. The information reported by ** [ Debt Collector/Creditor Name ] ** is **erroneous** and must be **corrected or deleted immediately**. 

# # # **Disputed Accounts** XXXX. XXXX XXXX XXXX Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX COLLECTION/CHARGE OFF Auto loans XXXX. XXXX XXXX XXXX Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX COLLECTION/CHARGE OFF Auto Loans {>= $1,000,000} **Legal Demands : ** - **Investigation Required : ** Per FCRA XXXX, you are obligated to conduct a **reasonable investigation** within XXXX days** and provide me with written results. 
- **Verification or Deletion : ** If the disputed information ** can not be verified**, it must be **permanently deleted** from my credit file. 
- **Notification of Corrections : ** If changes are made, you must notify me in writing and provide an **updated credit report**. 
- **Creditor Notification : ** If the disputed information is modified or removed, you must also notify the furnisher ( debt collector ) of the change. 

**Enclosed Documentation : ** - Copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - [ Payment receipts/ Settlement letters/ FTC Identity Theft Report / Police report/ etc. ] **Failure to comply with FCRA regulations may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 616 ( willful noncompliance ) or 617 ( negligent noncompliance ). ** I expect prompt resolution of this matter. Send confirmation of receipt of this dispute and your findings **no later than 30 days from the date of this letter**. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX using my XXXX USAA. I never received my item. I contacted XXXX XXXX Customer Support immediately, and a representative confirmed that I would receive a refund or replacement. I followed their instructions and replied to every email, including confirming my identity and preferences. 

Despite all that, they are now claiming I never replied and are refusing to give a refund or reshipment, even though I have screenshot proof that I responded multiple times. They are lying and stalling, and I believe this is fraudulent and deceptive. 

Ive attached screenshots showing I followed all instructions, and they ignored me or falsely claimed they never heard back. This has caused stress and financial loss.

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 2025-04-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am resubmitting this complaint because Experian failed to comply with the Fair Credit Reporting Act ( FCRA ) and provided a dismissive and inadequate response to my original dispute regarding the account reported by Credence Resource Management ( Account Number : XXXX ). 

Despite multiple requests, Experian has never provided any original documentation, signed contracts, or legal proof that this account belongs to me. Instead, they relied on an automated " verification '' process through the furnisher and closed my dispute without supplying any actual evidence. 

According to FCRA XXXX, Experian is required to conduct a reasonable reinvestigation, which includes obtaining verifiable documentation, not just relying on electronic codes via the e-OSCAR system. 

Additionally, FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) gives me the right to request the method of verification, including : The name and contact info of the person who verified the information, The exact documents used to verify the debt. 
To date, Experian has failed to provide any of this. If no original contract exists, this debt is legally unverifiable and must be removed, not updated. 

Their negligence has caused financial hardship, including being denied for housing and auto loans, and severe emotional distress. The burden of proof lies with the credit reporting agency, not the consumer.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I applied for an apartment at XXXX XXXX apartments located in XXXX arizona. Upon submitting my application and paying a {$75.00} application fee, I was advised my co applicant would need their own application. We decided not to move forward yet I received a collection notice stating that I owed {$78.00} for an unpaid application fee. It seems my information was used without my consent and there were no efforts to contact me to advise that anything was owed and the debt was sent directly to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to XXXX XXXX XXXX ( a ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights.

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 2025-04-08 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of XXXX XXXX, XXXX requesting that these be deleted within XXXX  days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

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 2025-04-08 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: GA

Complaint narrative:
I have sent equifax and experian letters explaining that the company which is the Arizona XXXX XXXXXXXX has advise me that they do not report my private information to the credit bureaus and the bureaus advised me that this information is verified with the bank. This is inaccurate information on my report per the letter from the court

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under XXXX XXXX. XXXX ( FDCPA ) and XXXX. Article XXXX, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law. Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt. Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect. Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership. Itemized list of charges- detail breakdown of the current amount that is owed. Verification of debt amount Statute of limitation and of debt is expired. I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I ask the three major credit Bureaus why my credit score dropped XXXX points in the last XXXX or so days with no substantial changes in my credit information? They could not provide me with an explanation or answer. This has cause major delays in my financial opportunities and I would like to get this resolved immediately.

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 2025-04-08 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXXXXX 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 XXXXXXXX, has violated my rights.

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 2025-04-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: NC

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief