vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or consent, which violates 15 U.S. Code 1681b ( 2 ) and FCRA Section 605B, both of which prohibit the access or use of a consumers credit information without proper authorization. 

Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3 . XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX / XXXX I did not authorize these entities to access my credit report, and I demand that these inquiries be deleted immediately. 

As required under the FCRA, please complete this dispute and remove the unauthorized inquiries within 4 business days of receipt of this letter. I also request written confirmation of their removal from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX Phone : XXXX Email : 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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX ACCT # XXXX XXXX AM UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPURTUNITY TO DISPUTE THE ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION PLEASE PROVIDE " CERFTIFIED MAIL '' WITH RECEIPT DISPLAYING MY SIGNATURE. IF NOT PLEASE DELETE ACCOUNT # XXXX AS SOON AS POSSIBLE FROM MY REPORT OR I WILL TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
XXXX and experian reporting inaccurate payment history for XXXX XXXX services as well as XXXX XXXX company. Stating that XXXX card is past by XXXX days and that is incorrect and XXXX XXXX being XXXX days past due. Those are inaccurate information on my credit report and needs to be removed off my report.

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 2025-05-07 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: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX and XXXX reporting inaccurate payment history for XXXX XXXX services as well as XXXX XXXX company. Stating that XXXX card is past by XXXX days and that is incorrect and XXXX XXXX being XXXX days past due. Those are inaccurate information on my credit report and needs to be removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies. I am very concerned because I also have experienced several instances of fraud on various accounts. I am asking for your help to attain maximum accuracy on my credit report. Thank you! Please see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurate payment history. I was in special hardship programs ( forbearance/deferment ) with my mortgage lender and was told payments are not late while in these programs. My credit report is showing me late multiple times in XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an inaccurate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I do not recognize this account, possibly a duplicate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account is old and is inaccurate. 

XXXX ) Unfamiliar section titled " Checking Account and Demand Deposit Account ( DDA ) Activity '' that lists XXXX XXXX XXXX XXXX '' requested by XXXX XXXX XXXX XXXX 

XXXX ) Last, there is another section titled " Supplemental Public Records and Residential Information '' that states " XXXX XXXX Requested by XXXX XXXX, Requested on XXXX This has fraud potential as this exposes more person information regarding my home than is typically needed for a credit report. This is very dangerous information regarding my home, especially since I have had multiple fraud incidents over the years.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
So I just performed research on Ragan & Ragan firm located in GA and it seems I totally understand why the NJ office let them bethis firm is not even XXXX accredited, and the reviews are terrible! And I can also see why this company would result to deceitful tactics. For anyone who got sued by this firm, we need to get together to form a class action lawsuit to get our funds back. I did research on this firms site and it swears its not a debt collection agency, but used a debt collectors clauseits sheisty! And needs to be investigated and shut down ; the practice is rotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

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 2025-05-07 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: CA

Complaint narrative:
In regards to XXXX, charge off accounts this is only showing as evidence .. Im including the validation letter that was never responded to the original, CFPB complaint. validation letter, XX/XX/year>. Is the original date of one of the dispute letters XXXX This is now my fifth time asking XXXX for validation, stillhas yet to respond. Im asking to delete permanently, I am requesting validation, made pursuant to the fair debt collection practices please note that I am requesting validation that is competent evidence bear my signature showing that I have or ever had some contractual obligation to pay your companyFDCPA 80715 USC 1962E I dispute the VALIDITY OF both accounts. 15 USC 1681_5_2 a1a. FCRA.

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 2025-05-07 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: CA

Complaint narrative:
In regards to XXXX, charge off accounts this is only showing as evidence .. Im including the validation letter that was never responded to the original, CFPB complaint. validation letter, XX/XX/year>. Is the original date of one of the dispute letters XXXX This is now my fifth time asking XXXX for validation, stillhas yet to respond. Im asking to delete permanently, I am requesting validation, made pursuant to the fair debt collection practices please note that I am requesting validation that is competent evidence bear my signature showing that I have or ever had some contractual obligation to pay your companyFDCPA 80715 USC 1962E I dispute the VALIDITY OF both accounts. 15 USC 1681_5_2 a1a. FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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 XXXX XXXX XXXX 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-07 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: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

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 2025-05-07 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-07 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: FL

Complaint narrative:
I am experiencing significant difficulty submitting a complete and accurate dispute regarding an inaccurately reported debt to Experian. 
I am disputing the accuracy of a {$110.00} balance reported by XXXX XXXX XXXX ( XXXX  ) on behalf of XXXX XXXX XXXX. This debt is inaccurately reported and improperly verified. Despite my dispute to XXXX, Experian, Equifax and Transunion has reported this debt without obtaining valid documentation to verify its accuracy, violating the Fair Credit Reporting Act ( FCRA ). 

1. {$100.00} Late Move-Out Fee : The lease agreement does not authorize a {$100.00} late move-out fee. It only permits double daily rent for holdover. Based on the lease terms, the correct prorated holdover fee for moving out at XXXX XXXX instead of XXXX XXXX  would be {$9.00}. The {$100.00} charge is unauthorized and excessive by {$90.00}. 
2. {$16.00} Common Area Charge : This charge is unsupported. The photos used to justify it were taken while my son was still moving, making the charge premature and invalid. 
3. Payment Discrepancy : I made a payment of {$170.00}, which should have settled the account. However, I received a statement showing only {$73.00} as paid, creating an unresolved accounting error. 

I have requested validation of this debt directly from XXXX, but they have failed to provide any legally sufficient documentation. Despite this, Experian, Equifax, and Transunion has continued to report the debt as valid. 

Under the Fair Credit Reporting Act ( FCRA ), Experian, Equifax, and Transunion has a legal obligation to ensure that all information it reports is accurate and properly verified. Continuing to report this debt without valid verification violates my rights under the FCRA.

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 2025-05-07 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: CA

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 XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( e ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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. 

15 U.S.C. XXXXB ( A ) ( XXXX ) 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Marlette Funding, LLC
State: KS

Complaint narrative:
I have emailed them several times requesting that the account be closed. The credit card is paid off, and there is no balance. Finally, after a month or so, I called and asked them to close it. The representative told me it was closed. I asked him to send me a verification email. He confirmed my email address, and said he would. He never did, and the account is still active. When I log onto the website, it says 'still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$7300.00} XXXX Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.

Complaint narrative:
On the XXXX of XX/XX/year>2025 I received a copy of my credit report from Experian I discovered inaccurate information on it. On the XXXX of XX/XX/year>2025 I disputed the inaccuracy with Experian. 

Experian failed to correct the inaccuracies or conduct a reasonable investigation. The inaccuracies continue to appear on my report as of XXXX XX/XX/year>2025 causing repetitional damage and rejections from creditors whom Im seeking credit or loans with.

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