vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
To whom it may concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights.

15 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information.

The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Fraudulent Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX These unauthorized actions constitute aggravated identity theft under 18 U.S. Code 1028A , which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report.

A copy of my updated credit report reflecting these corrections.

Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records.

Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
Summary for CFPB Complaint : I am submitting this complaint regarding inaccurate and unverifiable negative items that remain on my credit reports with Equifax, Experian, and TransUnion. I previously sent formal dispute letters to each bureau requesting investigation and removal of these accounts due to issues such as incorrect balances, lack of proof of ownership, and questions about the validity of the debt.

Despite providing them sufficient time under the Fair Credit Reporting Act ( FCRA ), the credit bureaus failed to provide adequate documentation or verification from the original creditors, and they did not remove the disputed items from my credit report. This lack of response and failure to conduct a proper investigation is in violation of my rights under federal law. 

I am requesting the CFPB to intervene by contacting the credit bureaus and requiring them to either provide proper validation or permanently remove these unverifiable and inaccurate items from my credit reports. 

Thank you for your assistance.

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 2025-06-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Cease and Desist Request Regarding Account Number XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Cease and Desist Request Regarding Account Number XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-20 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 am filing this complaint because Experian failed to conduct a reasonable investigation into my dispute regarding inaccurate collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and verify the accuracy of the information with the furnisher. Despite my submission of supporting documentation and a clear explanation of the inaccuracies, Experian did not adequately review or verify the information before concluding their investigation. Their failure to perform a thorough and reasonable investigation is a direct violation of the FCRA, and I am requesting that the Consumer Financial Protection Bureau take appropriate action to ensure this matter is resolved and the erroneous accounts are removed 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 2025-06-20 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: VA

Complaint narrative:
I am submitting a complaint against Equifax for failing to properly investigate and remove an unverified collection account from my credit report. The account was placed by XXXX. XXXX XXXX in connection with a rental property ( XXXXXXXX XXXX  ) I vacated in XX/XX/XXXX. 

On XX/XX/XXXX, I received a debt collection notice from XXXX. XXXX XXXX. I formally disputed the debt via certified mail, which was delivered and signed for on XX/XX/XXXX. To date, the debt collector has not provided any documentation or validation of the alleged balance. 

Despite the lack of validation, Equifax denied my dispute and continues to report the account. This collection has caused a significant drop in my credit score and financial harm. Equifaxs failure to remove the account appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 611, which requires a credit bureau to conduct a reasonable re-investigation and remove any unverifiable information. I have submitted a supplementary dispute with Equifax on XX/XX/XXXX requested a thorough re-investigation since the reporting of this un-validated collection is unlawful.

I provided proof of my certified dispute, the debt collectors failure to respond, and evidence that no debt was owed at the conclusion of my lease. Equifax did not correct the error or provide a clear explanation of their investigation. 

I am requesting that Equifax immediately delete this un-validated and disputed collection account from my credit report, and provide a full explanation of how it was verified. 

I have attached to this complaint the letter and supporting documentation I provided to Equifax in my previous dispute as well as a copy of their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CL Holdings LLC
State: LA

Complaint narrative:
To Whom It May Concern : Ive just reviewed my credit report and noticed the following collection accounts item ( s ) : ( Jefferson Capital - {$1000.00} ) I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>XXXX  To Whom It May Concern, Subject : Goodwill Adjustment Request for Late Payment Removal I hope this message finds you well. I am writing regarding the following credit accounts that are either closed or currently reporting late payments on my credit report : XXXX XXXX XXXX payments ( Closed ) XXXX XXXX XXXX missed payments ( Closed ) XXXX  XXXX missed payments ( Closed ) & 3 missed payments ( Currently Late ) XXXX  XXXX XXXX missed payments ( Closed ) & 1 missed payment ( Closed ) XXXX XXXX missed payments ( Currently Late ) I recognize the importance of maintaining a consistent payment history, and I take full responsibility for the missed payments. These delinquencies occurred during a time of personal hardship. Since then, I have taken serious steps toward rebuilding my financial stability and improving my creditworthiness. 

I am respectfully requesting that, as a gesture of goodwill, you remove the late payment entries from my credit report. I understand this is not a requirement, but your positive consideration would greatly assist me in restoring my financial health and continuing to make responsible credit decisions. 

Please let me know if there are any steps I need to complete or if additional documentation is required. Your understanding and support would mean a great deal to me. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX of 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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: TX

Complaint narrative:
To clarify : I canceled my Motive account well before the end of the contract term ( XX/XX/XXXX XX/XX/XXXX ), providing notice approximately a full year in advance and multiple times on the phone with representatives whilst paying quarterly bills. Not to mention, also confirmed on multiple occasions when in fact our last bill would be charged. ( XXXX XXXX XXXX ) I was informed by representatives that the cancellation was being processed. 

At no point did I receive confirmation of a renewal or notice that additional steps were required. 

I made what I understood to be my final payment in XX/XX/XXXX. 

Most importantly, I have the collection agencys agent on record acknowledging that I called to cancel auto-renewal. This directly contradicts what the customer success manager recently stated on our recent phone call and supports my case that I acted in good faith to end the agreement. 

Given the above, I believe sending this account to collections was both inappropriate and unjustified. 

Given this, I dispute the validity of the alleged debt. I believe this matter was mishandled on Motives end, especially since I attempted to cancel the service responsibly and was told the matter was being addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I am addressing an issue concerning late payments that appear on my credit record which I believe are inaccurate or improperly reported. After thorough review of my financial records, I discovered these disputed late payment entries that do not align with my actual payment history. Despite having sent correspondence regarding this matter over 30 days ago requesting proper validation and documentation, I have not received any response from the creditors or reporting agencies, and they have failed to provide satisfactory evidence supporting the accuracy of these negative marks on my credit file.

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 2025-06-20 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has
reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not liable for this account ( XXXX XXXX XXXX XXXX ). They have not been able to provide me with a contract, Proof of ownership, Proof of address, proof of identification, and is reporting to all three of my credit reports as past due, late, derogatory, closed, charged off or " discharged in bankruptcy ''. I have called and requested this company verified this account and even reported to there fraud department. Even though they admitted they had no record of this account at the reported address of XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX, and they had a different drivers license number reported than mine they have refused to update and remove this account from my credit reports. I am requesting this account be removed from my XXXX  Transunion, and XXXX  credit reports immediately. Account ( 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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America credit card was used by someone I do not even know and payments where made from bank account I do not own also the payments made exceed my monthly income time XXXX .. no way I could make that size of payments ever .. these places the purchases come from provided I was never in those places.. I dont know XXXX XXXX XXXX you already have who added themselves on to this account.. I never signed this person on to be an authorized user this is credit card fraud. 

Also to send documents through the mail exposing my ssn number through the XXXXXXXX XXXX XXXX  is also illegal .. attaching photo also attaching a police report and also attaching all documentation required to collect on this I never signed any physical document adding anyone on this account it went through a divorce in XXXX and it was paid in full and never used again nothing was shipped to my house nor was I ever in the places you provided to me to make these purchases .also multiple charges out of state I never leave the state of Idaho I do NOT travel never have so you investigation is going off of someone who signed themselves onto my account and gained access to this account .. you cant provide and written document I signed giving permission to someone else I dont even know you cant report it and you cant collect on it scuttle and hammer cant collect on it nor will talk to me on this account because I requested the same information they couldnt provide it to be because you dont have it and the statue of limititation in the state of Idaho is XXXX  years past the last transactions been way over that .. so there for cant be on my credit and high cant collect to me.. you have to find out who this cates is and hold him responsible .. you sent proof that you already know who gained access to the account not my debt the account is mine but the debt is not mine

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