vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-17 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: CA

Complaint narrative:
Recently, XXXX XXXX  informed me they are eliminating my XXXX XXXX credit card, and replacing it with a different card. I did not like the terms of the new card, so I closed my existing XXXX account without activating the new card offer, and was researching another XXXX card offers. 

Additionally, I decided to close my XXXX and XXXX XXXX gasoline cards, also by XXXX XXXX, because I rarely use them. At this juncture, the XXXX XXXX, XXXX XXXX and XXXX accounts, were recently deleted. 

Next, I received an e-mail from my credit union stating that Trans Union lowered my credit score a whopping XXXX points. I contacted Trans Union on XX/XX/year>, and the agent simply guessed a load of evasive, boiler plate talking points without any combatant explanation as to why my credit score was lowered so drastically for nothing. I made the point that this has no effect on my credit worthiness, and the gas cards used perhaps twice a year at most, to no avail. 

It's not my fault that XXXX  XXXX  eliminated their XXXX XXXX card, and my excellent credit score should not be punished for my not accepting the new charge card they offered.

Put another way, in regard to the two gas cards anyway, how in the world does XXXX virtually unused gas cards I've had for over thirty years, cause such a sharp drop in one 's credit score upon closing the account? Trans Union 's agent had no answers.

Think about the absurdity here for a moment. Closing dorm
ant charge accounts doesn't hurt one 's credit score, but closing unused credit accounts torpedoes ones credit score? Total arbitrary, reckless XXXX  that leaves innocent consumers a monumental mess to clean up. Did Trans Union employ some mindless, AI algorithm that damaged my high credit score?

Properly closing a revolving charge account should not have any negative effect on my credit score, and I challenge the validity of the practice in my case. My obligations are always paid on time per my long established XXXX plus credit score.

I contend Trans Union recklessly and very unfairly damaged my excellent XXXX credit score, by lowering my credit score XXXX points for no tangible reason. The fact my credit score is still considered good is irrelevant. I have not done anything wrong to have been dinged XXXX points for closing dormant accounts. 
Finally, I contacted your agency for help since the conversation I had with Trans Union left me doubtful they are willing to correct their outrageous credit score tactics.

Thank you very much for your consideration in this matter. It is much appreciated.

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 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XXXX/XXXX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXXXXXX TransUnionXXXX XXXX XXXX XXXX XXXX  Subject : 72-Hour Notice to Remove Inaccurate/Unverified Items from Credit Report Dear Credit Bureau Representatives , I am writing to formally dispute several accounts listed on my credit report. These entries are either inaccurate, unverifiable, outdated, or reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). Under Section 611 and Section 609 of the FCRA, I am requesting an immediate investigation into the accounts listed below and, if verification can not be completed within 72 hours, I demand their removal from my credit report. 

Below are the accounts in question : XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$3900.00} past due as of XX/XX/year> XXXX. XXXX XXXX XXXXXXXX Opened : XXXX : $ XXXX : Closed / {$3600.00} written off XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$8400.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$7300.00} past due XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : XXXX XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : Charged off / {$6400.00} past due XXXX. XXXX Opened : XXXX : $ XXXX : Paid / Closed XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX/ {$120.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$56000.00} written off XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX account XXXXXXXX XXXX XXXXXXXX XXXX Opened : XXXX : $ XXXX : XXXX account I am requesting a prompt reinvestigation and removal of any account that can not be verified with the original creditor or furnisher of the information. If these accounts are not verified within 72 hours, I expect them to be deleted from all versions of my credit reports as required by law.

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report. I am exercising my rights under the FCRA, and if these items are not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or seek legal remedies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX last XXXX digits : 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 2025-06-17 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : AM XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00}

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 2025-06-17 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: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00}

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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6700.00}

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts and inquiries that appear on my TransUnion credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Accounts are. 

XXXX XXXX  Account number XXXX Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. 

XXXX XXXX  Account number XXXX Account type Credit Card Date opened : XX/XX/XXXX Status : Paid, Closed/Never late.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts and inquiries that appear on my TransUnion credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Accounts are. 

XXXX XXXX Account number XXXX Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened : XX/XX/XXXX Status : Paid, Closed/Never late.

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 2025-06-17 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: PA

Complaint narrative:
This morning, I came across some incorrect accounts on my credit report, and I have no clue how they got there. I regularly check my report, and today I noticed some unexpected discrepancies. I even refreshed the page thinking it might be a temporary glitch, but the errors remained. Because of this, Im requesting that you review the documents I provided carefully so I can stop stressing over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: NY

Complaint narrative:
My cards were stolen and I have received fraud on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC place a collection on my consumer report without my knowledge. I never consent to LVNV Funding LLC to contact me about any alleged debt which is a violation of the fdcpa. I am requesting that LVNV Funding LLC verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating the debt owed 4. Full account summary and itemized calculations of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the time governed by FDCPA law. If LVNV Funding LLC is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV Funding LLC has also failed to follow fdcpa by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-17 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CO

Complaint narrative:
XXXX XXXX sold all of their auto loans to a debt collection company called Westlake portfolio management. While I am not actually behind in any of my payments XXXX XXXX they are using debt collection practices. My payment was due XX/XX/XXXX and since then I have received numerous calls a day. Starting on XX/XX/XXXX they called me at XXXX and again at XXXX. On XX/XX/XXXX they called XXXX and XXXX. On XX/XX/XXXX XXXX and XXXX. Then XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX ; XXXX, XXXX and XXXX. On XX/XX/XXXX they called XXXX, XXXX, XXXX XXXX, XXXX and XXXX. Today as of the time I have filed this they have called at XXXX, XXXX, XXXX, XXXX and XXXX. On the last phone call I told him that I would be reporting them due to the amount of times that they have called. They said that they would stop calling if they could set up a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : 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