vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
This communication serves as an immediate and unequivocal demand for the deletion of all inaccurate and unverified collection accounts you are reporting to the national credit reporting agencies ( XXXX, XXXX, and TransUnion ). This is not a dispute ; it is an accusation of willful non-compliance and a formal notice of your ongoing legal violations. 

You have failed to provide any and all validation of the purported debt in question, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Your continued reporting of this account after failing to produce a single shred of legitimate validation constitutes an unlawful and willful act. Furthermore, by reporting this inaccurate information, you have also violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), by failing to conduct a reasonable investigation into the validity of this debt. 

Your willful and persistent reporting of this unverified account, without furnishing original contracts, itemized statements, and a verifiable chain of custody, is a fraudulent act. This conduct constitutes making false statements to a federal agency ( 18 U.S.C. 1001 ) and engaging in mail and wire fraud ( 18 U.S.C. 1341 and 1343 ), as you are using interstate commerce to transmit fraudulent credit data. 

Let this notice be perfectly clear : continued reporting of this false information will be considered an act of willful misconduct and will immediately trigger civil litigation, bar complaints against your in-house counsel, and direct referrals to the Federal Trade Commission XXXX FTC ), the Consumer Financial Protection Bureau XXXX CFPB ), and other relevant consumer protection agencies for formal investigation and prosecution. 

I demand the immediate, permanent deletion of the following collection accounts from all three credit bureaus, not a mere suppression or an edited dispute remark : XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX BANK XXXX ( Account Number : XXXX XXXX  ) You have XXXX ( XXXX ) business days from the date of this complaint to comply with this demand. Failure to comply will be deemed a deliberate disregard for federal law and will initiate a cascade of legal and regulatory consequences

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 2025-08-26 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: MS

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : CADENCE BA - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} REGIONS XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Was notified from experian about this collection account. Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have consistently made my payments on time, and these discrepancies in reporting are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-26 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:
am writing to formally dispute XXXX unauthorized hard inquiries that have appeared on my credit report. I have not authorized these inquiries, and they are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). The inquiries in question are : XXXX AUTO ( Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Date of inquiry : XX/XX/year> ) I am requesting that you conduct a thorough investigation into these unauthorized inquiries and provide me with proof that I provided a valid " wet signature '' as required by federal law. The FCRA, specifically 15 U.S.C. 1681b, requires a " permissible purpose '' for a consumer report to be furnished. This includes a valid, written authorization from the consumer. A " wet signature '' is the traditional standard for such a written authorization and provides the highest level of authenticity. 

I hereby demand that you provide me with a copy of the original document bearing my " wet signature '' that authorized these specific inquiries. This is a crucial step in validating the legality of these hard inquiries. If you are unable to provide me with a copy of this document, it will serve as proof that these inquiries were not authorized and must be immediately removed from my credit report. 

Please be advised that under the FCRA, you are required to complete your investigation within 30 days of receiving this complaint. During this time, I expect these inquiries to be flagged as " under dispute. '' I have attached a copy of my government-issued ID and a recent utility bill to verify my identity. 

I expect a prompt and satisfactory resolution to this matter, including the immediate removal of these unauthorized inquiries from my credit file and a written response detailing the actions you have taken.

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 2025-08-26 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 did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting XXXX removal of the unauthorized inquiry from my credit report. Please resolve this matter within the XXXX period required by law. If you are unable to provide documented proof that I authorized this inquiry, it must be deleted immediately from 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
( SEE XXXX FOR ACCOUNTS AND EQUIFAX POLICY ) THESE XXXX ACCOUNTS, XXXX XXXX XXXX AND XXXX XXXX HAVE DATES OF LAST ACTIVITY AS XX/XX/year> AND XXXX OF 2015 THEY HAVE BEEN ON THE REPORT PASS XXXX XXXX 

IT STATES ON THE XXXX WEBSITE : " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR UP TO 10 YEARS SINCE THE DATE OF LAST ACTIVITY. '' THEREFORE, IT'S BEEN OVER 10 YEARS, AND BOTH ACCOUNTS SHOULD BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 thought the economy was bad, but after reviewing my credit report it is clear that my situation is far worsewhat I see is filled with inaccurate information that is causing me immense stress. I want to uphold my rights as a consumer, yet it is deeply discouraging to go through this. The impact of these errors has left me financially strained, unable to rely on my credit, and emotionally distressed.

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 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I received a text message XX/XX/year> stating this is GCCB a debt collector on behalf of EMERGENT PHYSICIANS OF XXXX XXXX they have a number and a site to visit. I clicked on the site and it says to put the last XXXX of my social and my DOB which I did and it says information incorrect. I called the number and the representative said it is for someone who is unknown to me. I stated I do not know anyone by that name and he stated an address and I told him I have not lived there in XXXX. He wanted me to update my address and I stated no because I will not be paying a debt that is incorrect. I told him when you go into urgent care, a hospital or anything you have to present your ID and sign documents. I told him I needed documentation and he said I had to contact the company but I have googled and tried to find their information and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Credit card company A few months ago, I noticed my credit card balance not going down or not equaling to my estimate even after I made payments. I made extra payments brought it down to zero and started monitoring more closely. 

On XX/XX/25 my balance when I checked was XXXX, I bought a computer on the XXXX for XXXX, my balance was matching theirs at approximately XXXX on the XXXX, on the app it shows the computer cleared XX/XX/25. They said my balance as of XX/XX/25 is XXXX on the app, to me that includes the computer. Their written statements are different, and it is not there. I made XXXX of additional charges. It should be XXXX, No where in there did they credit my XXXX dollar payment on the XXXX. It shows on the app but it isn't matching. 

So lets say I agree with them and after my payment my balance was XXXX, plus XXXX ( for computer ) plus XXXX XXXX not their XXXX something. Their math is not mathing either way. 

I asked if they can put the balance after the charge to make sure I have an extra checks and balance because at this point I am relying on them. She wanted to explain to me. Im like no, no matter how you try your stuff isn't accurate.

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 2025-08-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief