vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : 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 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-04-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : 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 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX to Equifax that I do not recognize, authorize, or owe. 

On my Equifax credit report, an account under XXXX XXXX XXXX appears with a balance of {$68.00}, allegedly opened on XX/XX/year>. I have no knowledge of this debt, did not sign any agreement, and never authorized XXXX XXXX XXXX to report any information on my credit profile. 

The account is marked as a collection account, and I have already submitted a dispute to Equifax. I have also sent a debt validation request directly to XXXX XXXX XXXX. They have failed to provide proper validation of the debt, including : A signed contract bearing my signature ; Proof they are authorized to collect in the state of Florida ; Documentation proving they have the legal right to report this account. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from having unverifiable or inaccurate accounts reported on their credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this complaint to address numerous and severe violations of the Fair Credit Reporting Act ( FCRA ) by Experian. These violations have caused significant harm to my credit profile, financial standing, and privacy.

Details of the Complaint : Reporting Unrecordable Information : Experian has reported information in my credit file that is not legally permissible under FCRA Section 1681c ( 605 ). Specifically : I have one name spelled one way XXXX XXXX. I have one phone number ( XXXX ) XXXX. And I have one address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting Inaccurate Information : My credit report contains inaccurate entries, including but not limited to : They are reporting accounts that are closed as still open. They are reporting accounts that I know they haven't investigated or validated with the original contract or my wet ink signature. Despite disputing these errors, the company has failed to take appropriate corrective action as mandated under FCRA Section 1681i ( 611 ). 

Unauthorized Transactions and Inquiries : The agency has reported transaction history and credit inquiries that I did not authorize or initiate. This constitutes a failure to ensure the accuracy and validity of reported information, violating FCRA Section 1681e ( b ).

Unauthorized Dissemination of My Credit Report : The company has disclosed my credit report to third parties without obtaining my written consent, as required under FCRA Section 1681b ( 604 ). This unauthorized release breaches my privacy and exposes me to potential harm. 

Failure to Maintain Reasonable Procedures : Experian has not implemented reasonable procedures to ensure compliance with FCRA Sections 1681b, 1681c, and 1681n. This systemic failure has resulted in numerous violations and harm to consumers, including myself.

Improper Reporting of Charge-Offs : The company has reported charge-offs on my credit report despite the IRS classifying charge-offs as taxable income. FCRA regulations explicitly prohibit the inclusion of income in credit reports. This represents a clear violation of the Acts provisions.

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 2025-04-29 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX * * * * Balance : {$2400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$21000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$4800.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX A ) XXXX * * * * Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-04-29 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:
I am formally demanding immediate action regarding the unauthorized accounts currently being reported under my name. I have never authorized, opened, or managed these accounts, and their presence on my credit report is completely unacceptable. These inaccuracies severely misrepresent my financial history and are causing significant harm to my personal and financial well-being.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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: NC

Complaint narrative:
When disputing a late payment or any information on your credit report, it's important to compose a clear and concise letter. Here 's a template you can use to dispute a late payment with Experian : -- - XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Report Dear Experian, I am writing to formally dispute a late payment reported on my credit report. My name is XXXX XXXX and my Social Security number is XXXX I have recently reviewed my credit report and found that XXXX XXXX bank have reported 2 late payments. I believe this information is inaccurate because. I called XXXX XXXXXXXX when they closed this credit card and they told me that I dont have to make ON time payments no more because the credit card is closed as long as long as I made a payment.. I was ok.. and then they hit me with two late payments. They gave me false information I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. Under the Fair Credit Reporting Act, I understand that you are obligated to investigate my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Thanks. 
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 2025-04-29 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 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 formally demanding immediate action regarding the unauthorized accounts currently being reported under my name. I have never authorized, opened, or managed these accounts, and their presence on my credit report is completely unacceptable. These inaccuracies severely misrepresent my financial history and are causing significant harm to my personal and financial well-being.

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 2025-04-29 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 have submitted disputes to you and i didnt get response within XXXX days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered me a XXXX interest-free payment plan. I did not respond at the time. On XX/XX/XXXX, I accepted the offer by replying to the email. Later that day, I was informed that wage garnishment had already begun. 

I was surprised, as I had not received any prior notice of garnishment. Upon calling the firm, a representative incorrectly informed me that I did not need to be notified of the garnishment and claimed notice was sent on XX/XX/XXXX. However, both I and my employer confirmed that no such notice was received. Only after I raised concerns was the paperwork resent to me and my employer in late XX/XX/XXXX. 

XXXX began without proper notice or opportunity to respond, violating Washington XXXX law ( XXXX  XXXX ). I subsequently negotiated a XXXX payment plan in XX/XX/XXXX, freezing the balance at {$3000.00} with no additional interest or fees. Despite this written agreement, XXXX, XXXX XXXX XXXX continued to add unauthorized interest charges to the balance. 

I requested proof of mailing, tracking numbers, and compliance documentation, but did not receive the requested information. I respectfully request enforcement of the agreed settlement terms and review of the firms procedural violations regarding garnishment and debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I recently noticed incorrect items on my credit report on my account XXXX This is hurting my ability to get credit. Please review this account. 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