vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. 

According to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. 

As Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. 

Should you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. 

If you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. 

Thank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.

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 2025-05-23 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. 

According to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. 

As Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. 

Should you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. 

If you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. 

Thank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XX/XX/year> Unable to unfreeze account. Automated system takes you to a question to answer ( " would you like to unfreeze your account '' ) then asks you to answer yes or no. When giving the answer it replies " sorry, didn't catch that ''. After two attempts it says goodbye and hangs up. All other voice to prompt instructions prior to this step work with no issue.

There is no way to speak to a representative. I have tried calling six different times all with the same result. There is no way to unfreeze account via online. The automated system appears to be designed to prevent customer from accessing account and modifying the freeze or unfreeze of the account. The online page does not recognize any log in or password information. There appears to be no way to contact the company to fix this. How is this legal??

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and a member of an indigenous tribal nation. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting.

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me : 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 XXXXXX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an indigenous tribal member, I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

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 2025-05-23 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of breach of my personal information. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of breach of my personal information. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WV

Complaint narrative:
I have disputed this ( 3 ) times with all 3 credit bureaus and a proper investigation failed to happen for all 3. All three bureaus are reporting different and inaccurate information which is damaging and misleading. Each bureau is reporting a different collection start date. The balance due is different on XXXX compared to XXXX and Experian. Payment history is different across all three bureaus, and I can not verify this debt.

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 2025-05-23 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: WV

Complaint narrative:
I have disputed this ( 3 ) times with all 3 credit bureaus and a proper investigation failed to happen for all 3. All three bureaus are reporting different and inaccurate information which is damaging and misleading. Each bureau is reporting a different collection start date. The balance due is different on XXXX compared to Transunion and XXXX Payment history is different across all three bureaus, and I can not verify this debt.

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 2025-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: One Source Technology
State: TX

Complaint narrative:
In XX/XX/year>, I was involved in a legal case in XXXX XXXX, Texas, which was resolved as a Class C Misdemeanor Assault by Contact under Texas Penal Code 22.01 ( a ) ( 3 ) through a 90-day deferred adjudication starting on XX/XX/year>. There was no conviction, no plea of guilt, and no finding of guilt. 

Despite this, a background screening company ( XXXX or Asurint ) included this case in a way that misrepresented the outcome, implying a criminal conviction. As a result, I was denied employment. 

I submitted a formal dispute to the screening company with supporting court documentation showing the correct disposition. I also provided my ID and proof of address. However, the company failed to correct or clarify the report in a timely or accurate manner. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), which requires that information reported by consumer reporting agencies be accurate and not misleading. I am requesting that this matter be reviewed and corrected, and that the company be held accountable for the harm caused to my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
I requested verification of this reporting by XXXX XXXX and never received any documented communication as requested after more than 35 days. 

After no correspondence upon request, I then called XXXX XXXX to get a better understanding of the debt and expectations if resolved as it's preventing my ability to obtain credit at the lowest rate. I DID NOT agree to make a payment, I did said I'll call back if decided to act on the offer. They offered me 60 % off PRIOR in writing but recently sent me a letter reverting back to 100 % because I did not call back. That's exortion. They never said IF I DONT CALL BACK, they will retract the 60 %. The recorded call can be pulled for verification. 

I asked for validation of the debt, and they never sent it but continue to harass me with collection efforts. This account shows no chargeoff date by the Original Creditor. I never had a lapse in insurance which can be verified by MD Department Of Motor Vehicles.

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 2025-05-23 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a {$1600.00} delinquency on mine and my fiance 's credit reports, despite the fact that we moved out of their property over two years ago. When we moved in, we agreed to take the unit as is due to time constraints. Our assumption is that this charge relates to mold damage and repainting, both of which were persistent issues we raised with XXXX XXXX XXXX throughout our seven-year tenancy and which were never resolved. When we vacated, we left behind a {$1500.00} coffee table, a marble-topped kitchen island worth {$2700.00}, and a high-quality couch, among other items. It was customary in the building for tenants to leave useful furnishings behind for neighbors with a written note. I did this and clearly stated that any unclaimed items would be removed. If the {$1600.00} charge involves removal of these items, it still should have been disclosed and itemized. 

Since this was never done, we requested an itemized breakdown from XXXX XXXX XXXX. To date, they have refused or failed to provide one. Instead, they referred the matter to a debt collection agency, which now routinely contacts both me and my fiance multiple times a day and sends repeated letters, none of which explain what the debt actually pertains to.

Under California Civil Code 1950.5 ( g ), a landlord must return the security deposit along with an itemized list of deductions within 21 calendar days after a tenant vacates the property. XXXX XXXX XXXX did not comply with this. They made no attempt to collect or clarify this alleged debt until well over a year later, far beyond the legal time frame. I am formally disputing the validity of this debt, the use of third-party collections in this context, and the legality of it being reported as a derogatory item on our credit reports. This is not creditor-based debt. It is a disputed personal charge that was never properly disclosed or substantiated and should not be allowed to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-05-23 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: FL

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I already sent in proof that I didn't open the account but I guess it's wasn't enough. I waiting on them to send me the paperwork again. Never received it. But I got a copy of the FTC report. I never made a police report because I just found out about the debt last year when my checks was getting garnish. So I guess what I sent in wasn't enough evidence.

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