vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
This reported delinquency is inconsistent with my payment records. I always pay on time and have the documentation to support this. I am requesting immediate correction.

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 2025-06-06 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: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-06 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: FL

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts CREDENCE RESOURCE XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX MID XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am escalating this complaint regarding my account due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within five ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX, XXXX, XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights.

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

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$69.00} MYCOMMFCU - Account Number : XXXX * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$65.00} Inquiries CAP XXXX NA 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
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/year> 2. XXXX XXXX - XX/XX/year> 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 2025-06-06 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: LA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
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 2025-06-06 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: LA

Complaint narrative:
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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am not able to use my credit card and I use that to pay my credit builder account. So now that my credit card has been frozen for a significant amount of time I have failed to make a payment on my credit builder account. My card states I owe -XXXX which means I have {$59.00} on top of my already {$450.00} credit limit. And I am still not able to use any of it. Now my payment is late due to it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting for Account # XXXX Dear XXXX XXXX  Customer Service , I am writing to formally dispute the reporting of my account ( # XXXX ), which is inaccurately marked as late. This information is incorrect, as the home associated with this account was sold, and ownership was granted to my husband as part of our divorce settlement. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The continued reporting of this account as late is misleading and harmful to my credit score and financial standing. 
I kindly request that you investigate this matter and provide the following : 1. Clarification on Reporting : Documentation supporting the late payment status after the home was sold. 
2. Correction of Records : Update my credit report to reflect the accurate status of this account. 
Please respond to this request at your earliest convenience to ensure that this matter is resolved promptly. I appreciate your attention to this issue and look forward to your timely response. 
Thank you for your cooperation. Please send your response to my address listed above or via email. 
Sincerely, XXXX XXXX

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

Complaint narrative:
XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting for Account # XXXX Dear XXXX XXXX Customer Service , I am writing to formally dispute the reporting of my account ( # XXXX ), which is inaccurately marked as late. This information is incorrect, as the home associated with this account was sold, and ownership was granted to my husband as part of our divorce settlement. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The continued reporting of this account as late is misleading and harmful to my credit score and financial standing. 
I kindly request that you investigate this matter and provide the following : 1. Clarification on Reporting : Documentation supporting the late payment status after the home was sold. 
2. Correction of Records : Update my credit report to reflect the accurate status of this account. 
Please respond to this request at your earliest convenience to ensure that this matter is resolved promptly. I appreciate your attention to this issue and look forward to your timely response. 
Thank you for your cooperation. Please send your response to my address listed above or via email. 
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 2025-06-06 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: IL

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

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

Complaint narrative:
This account does not belong to me. I believe it may be linked due to a mistaken identity or mixed file error. I have never opened any account and deny all affiliation with this entry.

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 2025-06-06 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: WA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX WA XXXX Please XXXX and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1300.00} XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$4900.00} XXXX XXXX  XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$3300.00} XXXX XXXX  XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$3300.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed some unauthorized XXXX increase that I wont remove from my concern for effective immediately per 15 USC1681 XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX These companiesmay be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * the account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXX * * the account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account XXXX * * the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * the account is showing late payment history on Experian only collection account opened at XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown in collection on Experian and Equifax only collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection on Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * the account is shown in collection on Experian and Equifax only collection account opened at XXXX on XX/XX/XXXX account XXXX * * the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * the account is showing late payment history on Experian only collection account opened at XXXX  on XX/XX/XXXX account number XXXX XXXX * the account is showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * the account is shown in collection on Experian and Equifax only also showing late payment history on Equifax only collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * * the account is shown in collection on Experian and Equifax only also showing late payment history on Equifax only loan account opened at XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * the account is shown in collection on Experian and Equifax only also showing late payment history on Equifax only which is being inconsistently reported among the national credit bureaus.

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

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief