vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
XXXX XXXX {$11000.00} XXXX XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to 15 USC XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

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 2025-09-09 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: NY

Complaint narrative:
XXXX XXXX {$11000.00} XXXX XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to 15 USC XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, I went to XXXX and applied for a gift card, on my ID I had the old address from my other home, I told them I was on another direction because the I.D needed an update, time pass on and I never received it, I got a letter that I owned money on XX/XX/XXXX, I called and ask if I could just cancelled, then they said that were going to look on to it, and XXXX weeks later I got another later saying that I concede and they couldnt do nothing about it, but I just think to myself, how do you want me to pay you back if I dont have an account opened, or the credit card that I never received!!, today I got the a same letter saying that I own them, I just want them to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
These XXXX accounts was opened fraudulently under my name. Under the FCRA XXXX it must be blocked and removed. Please have it Closed immediately and remove it from my report. 






XXXX XXXX Bank XXXX XXXX : {$66.00} ( date opened - XX/XX/XXXX ) XXXX XXXXXXXX Bank XXXX balance : {$66.00} ( date opened - XX/XX/XXXX ) credit cXXXX 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 XXXXXXXX XXXX XXXX balance : {$1300.00} ( date opened- XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX DO IT OVER ) phone bill -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- balance : {$220.00} ( date XXXX ) TransUnion- XXXX XXXX Bank- balance : {$220.00} ( date openedXXXX ) XXXX XXXX XXXX balance : {$220.00} ( date opened-XXXX ) credit card 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 XXXXXXXX balance : {$11000.00} ( date openedXXXX ) TransUnion- XXXXXXXX XXXX XXXX XXXX balance : {$12000.00} ( date opened- XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$12000.00} ( date opened- XX/XX/XXXX ) apartment 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 XXXXXXXX XXXX XXXX XXXX XXXX balance {$0.00} ( date opened- XX/XX/XXXX ) TransUnion- XXXX XXXX XXXX- balance {$0.00} ( date opened- XX/XX/XXXX ) XXXX XXXX XXXX Company- balance {$0.00} ( date opened- XX/XX/XXXX ) credit card 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- balance {$380.00} ( date opened- XX/XX/XXXX ) TransUnion- XXXXXXXX XXXX XXXX- balance {$180.00} ( date opened- XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX DO IT OVER ) credit card

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 2025-09-09 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: TX

Complaint narrative:
These XXXX accounts was opened fraudulently under my name. Under the FCRA XXXX it must be blocked and removed. Please have it Closed immediately and remove it from my report. 






Experian- XXXX Bank XXXX balance : {$66.00} ( date opened - XX/XX/XXXX ) Equifax- XXXX Bank XXXX balance XXXX {$66.00} ( date opened - XX/XX/XXXX ) credit card 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. ) Experian- XXXX XXXX XXXX balance : {$1300.00} ( date opened- XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  DO IT OVER ) phone bill 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. ) Experian- XXXX XXXX XXXX XXXX- balance : {$220.00} ( date openedXXXX ) XXXX XXXX XXXX Bank- balance : {$220.00} ( date openedXXXX ) Equifax- XXXX XXXX balance : {$220.00} ( date openedXXXX ) credit card 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 ) Experian- XXXX XXXX XXXX balance : {$11000.00} ( date opened-XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX- balance : {$12000.00} ( date opened- XX/XX/XXXX ) Equifax- XXXX XXXX XXXXXXXX XXXX XXXX XXXX- balance : {$12000.00} ( date opened- XX/XX/XXXX ) apartmenXXXX 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. ) Experian- XXXX XXXX XXXX XXXX balance {$0.00} ( date opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- balance {$0.00} XXXX date opened- XX/XX/XXXX ) Equifax- XXXX XXXX Company- balance {$0.00} ( date opened- XX/XX/XXXX ) credit card 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. ) Experian- XXXX XXXX balance {$380.00} ( date opened- XX/XX/XXXX ) XXXX- XXXXXXXX XXXX XXXX- balance {$180.00} ( date opened- XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  DO IT OVER ) credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX  XXXX - XXXX - Date Opened : XX/XX/XXXX - {$73.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$610.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$10000.00}, XXXX - XXXX - Date Opened : XX/XX/XXXX - {$600.00}, XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$100.00}, XXXX XXXX XXXX  - XXXX Date Opened : XX/XX/XXXX - {$180.00}, XXXX XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX  - XXXX - XXXX Opened : XX/XX/XXXX - {$350.00} ; XXXXXXXX XXXX XXXXXXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$0.00} ; XXXX XXXX  XXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX - XXXX - Date Opened XXXX XX/XX/XXXX - {$610.00} ; XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX - Date XXXX XXXX XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$180.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX XXXX {$350.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-09-09 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:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened 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 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2025-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally file a complaint regarding a recent credit card denial from XXXX XXXX which was reported based on information obtained from Equifax. 

According to the denial notice, my application was rejected due to information from Equifax credit report. 
However, when I contacted Equifax directly to inquire about the specific details that led to this decision, I was informed there is no record of my credit report from XXXX XXXX. The Equifax agent I spoke to speak with was XXXX with Badge # XXXX, was intilally refusing me access until I told him I was going to file a complaint with CFPB. After the verification process was completed, the agent said he did not see any inquiry from XXXX XXXX. By his response he seemed unbelievable or unintelligible, so I asked for a supervisor. The Equifax representative told me to hold on, then find excuses that no one was available. 

Equifax is reporting inaccurate information and is refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
As of XXXX XXXX First Source Advantage Collection agency was paid in full for a debt owed to XXXX. The debt has not been resolved with XXXX despite a paid in full email from XXXX XXXX XXXX. XXXX still shows balance due of {$620.00} XXXX days past paid in full date. First Source has failed to report the debt resolved despite multiple emails regarding this issue or XXXX has failed to clear balance for XXXX  days, multiple text chats and emails have been sent to both companies with no resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation