vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
I am disputing several accounts on my credit report because they were reported without my written authorization or consent. I never applied for, agreed to, or authorized any of these companies, creditors, or collection agencies to obtain or report my personal credit information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Reported a {$590.00} collection. I did not authorize this account or the reporting of it. 

XXXX XXXX XXXX Reported as a charge-off with delinquencies. I never opened or consented to this account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX late payments and charge-offs. I never authorized this account or its reporting. 

XXXX XXXX XXXX XXXX Reported a charge-off. I never authorized this account or the reporting of it. 

XXXX XXXX XXXX XXXX  Reported a charge-off. I never authorized this account or the reporting of it. 

Other accounts reporting late payments or derogatory information None of these accounts were authorized by me. 

Because I never provided consent or authorization, I request that these accounts be investigated and removed if the companies can not verify proper authorization. No actions were taken by me that would have caused these accounts to appear on 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 non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report, as I believe the details provided by your bureau are either incomplete or inaccurate. 
The information that is being disputed includes derogatory accounts and hard inquiries, which I believe to be incorrect or need further verification. I request that you conduct a thorough investigation, correct the errors, and provide supporting documentation for the accuracy of these entries. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Disputed Information : XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX o Status : Closed, with late payments reported as XXXX days late. 
o Comments : Consumer disputes reinvestigation in progress o Violation : Re-aging of delinquency and incorrect reporting of payment status. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX o Status : Closed, Charged Off. 
o Balance/Past Due : {$31.00} o Violation : Charged-off account not showing a XXXX balance. 
o Payment History : Reported XXXX days late. 
o Dispute : Consumer disputes pending. 
XXXX. XXXX XXXX TransUnion XXXX Account # : XXXX o Status : Charged off as bad debt. 
o Balance/Past Due : {$31.00} o Violation : Incorrect charge-off reporting with outstanding balance. 
XXXX. XXXX XXXX TransUnion XXXX Account # : XXXX o Status : Closed, XXXX days past due. 
o Violation : Late reporting, possible re-aging issue. 
XXXX. XXXX XXXX TransUnion XXXX Account # : XXXX o Status : Installment account with severe late payments. 
o Violation : XXXX reports not consistent with the actual payment status. 
Hard Inquiries : XXXX. TransUnion XXXXXXXX XXXX ( XX/XX/XXXX ) o Violation : No corresponding open account for the inquiry, potential FCRA violation. 
o Comments : Needs further investigation regarding permissible purpose of inquiry. 
XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) o Violation : No open XXXX account reported, needs clarification on permissible purpose

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 2025-11-03 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: MO

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.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: AR

Complaint narrative:
XXXX credit card is still reporting to all bureaus that this account is mine but it was included in someone else bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX credit card is still reporting to all bureaus that this account is mine but it was included in someone else bankruptcy.

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 2025-11-03 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: NJ

Complaint narrative:
I am disputing the following items on my TransUnion credit report, as they are incorrect and do not reflect my actual credit history : Charged Off Accounts : [ None listed ] Inquiries : XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX, Date : XX/XX/year> XXXX Auto, Date : XX/XX/year> Positive Accounts : [ None listed ] Late Payments : XXXX  - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # 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 2025-11-03 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 submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
We disputed an alleged debt reported by a collection agency for a former apartment complex. We sent formal disputes on XX/XX/XXXX and XX/XX/year>, requesting full validation, including itemized charges, proof of legal responsibility, the original lease, and documentation the agency relied on. The collection agency never provided this information. 

The apartment complex confirmed via email on XX/XX/year> that our balance was {$0.00}, and on XX/XX/year> that a refund check of {$200.00} had been processed. Despite this, the collection agency reported the account to credit bureaus on XX/XX/year>, threatened adverse reporting, and continued collection attempts. 

These actions are misleading and violate the FDCPA and FCRA, as they involve attempts to collect a debt not owed and reporting disputed information without validation. We request immediate deletion and cessation of collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am refiling my prior complaint because the collection agency is continuing to report and pursue an incorrect apartment balance of {$1200.00} for XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXXXXXX XXXX  despite admitting they had no documentation that I occupied the premises beyond XX/XX/year>. 

In the company 's attached response, they asserted without evidence that I vacated the unit on XX/XX/year> and have only relied on a partial XX/XX/year> payment as justification. I have provided them email communication and a notice to terminate residency both indicating XX/XX/year> as a move out date. The collector has not been able to provide evidence or proof that I remained in the unit beyond that date. 

REGARDLESS, This unit was vacated due to California Civil Code 1941.1. In the collectors CFPB response they FALSELY stated " The Complainant does not provide any evidence he contacted our client regarding the alleged infestation issue prior to providing his Notice of Intention to Terminate Tenancy ''. SEE ATTACHED FOR EVIDENCE AND COMMUNICATION TO PROPERTY MANAGER OF ONGOING PEST ISSUE ON XX/XX/year> - PLEASE NOTE THE COMMUNICATION STATES THIS WAS AFTER XXXX PEST CONTROL TREATMENTS, INDICATING AN ONGOING ISSUE. 

The debt is unverified, based on incorrect facts, and from a landlord violation of California civil code. Any reporting of this balance to credit bureaus is inaccurate and violates both federal and California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I applied for a different credit card which requires a credit check. 

As my credit is frozen I was informed I needed to contact Experion to have a temporary freeze lift. 

I called the number provided ( XXXX ) and was unable to lift the freeze. 
I then tried logging into my account, was able to log in, and then dropped from the system and my login no longer works. 

It is seemingly impossible to get in touch with anyone at Experion. 

I called the credit card company to see if we could use another Credit firm and was informed that the service selection is random and I would have to wait 30 days for my application to time out before trying again and hopefully not getting Experion. 

I will look for other avenues to complain as this is a very poor service, no problem when I have to interact with XXXX, very easy, very professional. 

Experion system is broken

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 2025-11-03 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: TX

Complaint narrative:
Charged-Off Accounts in Dispute XXXX XXXX XXXX, Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX, Acct XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XX/XX/XXXX, Balance : {$17000.00} XXXX  XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$1400.00} These entries appear inconsistent with my records. I request that TransUnion verify each accounts ownership, balance, and status, or remove the tradeline if unverifiable. 

Inquiries No inquiries currently in dispute. 

Late Payments XXXX  XXXX, Acct : XXXX XXXX XXXXXXXX XXXX XXXX, Acct : XXXX These payment records may be reported in error. Please confirm their accuracy with the original creditors or remove any unverifiable late marks.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
lvnv funding llc contacted my wife and told her that I had been killed. And that they were placing a judgment against her and that she was responsible for a debt that I had incurred before we were married. The also told her that if she didn't pay that they will also go after her job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-03 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: TX

Complaint narrative:
I am writing to formally dispute certain entries in my credit report that I believe are inaccurate and require immediate investigation. I believe these entries violate the Fair Credit Reporting Act ( FCRA ), and I also suspect that my personal data XXXX have been exposed due to a potential data breach. Please review and correct the inaccuracies outlined below in accordance with the FCRA. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Date Opened : XXXX Balance : {$1000.00} Past Due : {$1000.00} Account Comments : Unpaid balance reported as a loss by the credit grantor. 
Discrepancy : This account is disputed by me, showing as " Collection '' status, which is inaccurate. 
Possible FCRA Violations : o FCRA 1681i : Failure to correct inaccurate information upon dispute. 
o FCRA 607 ( b ) : Reporting of incomplete or inaccurate information.

o FCRA 611 ( a ) ( 1 ) : Failure of the furnisher to respond to my dispute or provide accurate data.

o Data Breach : Please confirm that this data was not exposed in a breach. 
Account XXXX : XXXX XXXX ( Automobile Loan ) Account Status : Open Date Opened : XXXX Balance : {$27000.00} Past Due : {$0.00} Account Comments : This account is in good standing, however, there is a discrepancy in late payment reporting. 
Discrepancy : The account has only been 30 days late once. The late payments reported multiple times are inaccurate. 
Possible FCRA Violations : o FCRA 1681i : Reporting incorrect late payments that do not align with actual account history. 
o Data Breach : Please confirm that the account information has not been compromised in any recent 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
chime bank i disputed XXXX charges for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after i recieved merchandise that was covered in soap and or other things. XXXX told me to dispute the charge and chime refuses to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I called TD Bank to transfer a credit card to personal loan never been late and they are reporting it formation with incorrectly and they are not reporting the new personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
I am submitting this complaint to dispute the following accounts on my TransUnion credit report. I believe these items are inaccurate and should be removed or corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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