vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
b"CFPB 10 plus previous attempts have been made on different dates ranging all the way back from XXXX XXXX  XXXX XXXX XXXX   being the most current month made by disputing the below account TransUnion continues to ignore which is causing me opportunity to provide a home for my family, obtain reliable transportation, credit cards. My family have been homeless due to the negligence and fradulent actions TransUnion has continuously made against my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI've shown proof, uploaded credit report showing inaccurate information and TransUnion still puts the information on my credit report. I've requested TransUnion provide me with original documents showing the debt is mine, I received no documents. I requested that TransUnion provide me with a copy of a written statement where I gave them permission to place the accused item on my credit report. I received no document. \n\nCreditor is XXXX XXXX XXXX Amount: XXXX Date Opened: XXXX, Last payment made: XXXX This account does not show on XXXX XXXX XXXX as of today XXXX XXXX XXXX  only TransUnion Credit Bureau.\n\nAccount under litigation; under doctrine of estopped by silence, Engelhardt v Graverns (MO) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This account MUST be REMOVED from my credit report immediately within 15 days from this request. My rights have been violated numerous times by this credit bureau. TransUnion has fradutely placed items on my credit report without my consent to do so, reporting inaccurate and false reporting. I've had to contact CFPB numerous times to assist me in making TransUnion remove false items they placed on my credit report.\n\nAs you can see if the credit bureau reported date opened on XXXX, how is it the last payment made shows XXXXXXXX   which is a whole year before the account opened according to TransUnion Credit Bureau. This account is false reported on my credit report and MUST be REMOVED Immediately. It is causing undue stress and delay in my living conditions because of the inaccuracy, timely, inconsistent 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 2025-06-14 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: OK

Complaint narrative:
MUST BE REVIEWED BY THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION WILL SUE {$50000.00} EACH VIOLATION PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN XXXX TRANSUNION REPORT NUMBER : XXXX FTC XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1 , USC 1681a2 , USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b, 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THESE FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX ALLEGED ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX and these fraud hard inquries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I DIDNT SIGNED ANY DISCLOSURE FORMS DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living woman far from being dead Beneficiary OF DEFENDANT XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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 2025-06-14 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: OK

Complaint narrative:
MUST BE REVIEWED BY THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION WILL SUE {$50000.00} EACH VIOLATION PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN XXXX TRANSUNION REPORT NUMBER : XXXX FTC XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1 , USC 1681a2 , USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b, 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THESE FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX ALLEGED ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX and these fraud hard inquries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I DIDNT SIGNED ANY DISCLOSURE FORMS DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living woman far from being dead Beneficiary OF DEFENDANT XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
All three major credit bureausEquifax, Experian, and XXXX reporting multiple late payments related to XXXX accounts that I firmly dispute as inaccurate and unjustified. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX  with a reported late payment date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX also reported late on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  with a reported late payment on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX  also dated XX/XX/XXXX. These late payment notations are damaging, misleading, and not reflective of my payment history or intent. 

I dispute these derogatory marks because I was never made aware of these delinquencies at the time they allegedly occurred. I was not properly notified, nor given the opportunity to bring the account current, which contradicts the practices and standards lenders are expected to uphold under the Fair Credit Reporting Act. I have maintained responsible management of my student loans, and if there was any administrative error, misapplied payment, or processing issue on XXXX end, it was never communicated to me in a timely or transparent manner. 

The timing of these alleged delinquencies also raises concerns about data consistency. If both accounts under different loan IDs are being reported with the same late date for XXXX separate years, it suggests a pattern of systemic error or batch reporting rather than verified, account-specific delinquency. This is deeply troubling and casts doubt on whether these late payment designations were thoroughly reviewed and validated before being reported to the credit bureaus. As someone who has made every effort to remain in good standing, these entries are not only emotionally distressing but have also adversely affected my access to fair credit, auto financing, and mortgage qualification.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Sent debt validation letter and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I disputed a debt that Aldous & Associates reported on my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX  Aldous & Associates did not respond to me directly, but they did respond to the credit bureaus by simply recertifying the debt as valid. 

However, they failed to provide any supporting documentation or validation of the debtno account statements, signed agreements, or itemization of the charges. Their response lacked the information required to constitute a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Their continued reporting of the debtdespite the dispute and without providing meaningful validationharms my credit and violates my rights under the FCRA and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-14 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-13 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: GA

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 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 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
This is my third formal complaint against Leafy Financial regarding their continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting this complaint be escalated for further regulatory review due to Leafys submission of knowingly false and deceptive information to the CFPB on XX/XX/XXXX. 

On XX/XX/XXXX, Leafy responded to my CFPB complaint by attaching a letter dated XX/XX/XXXX that I have no recollection of, claiming it justified reporting the alleged debt and merchandise delivery. 
The alleged letter Leafy attached was submitted in XX/XX/XXXX which I have no recollection of and still it has no bearing on my most recent disputes in XXXX, in which all my current disputes were sent from my current and legally documented address at XXXX XXXX XXXX XXXX. 
Leafy has already acknowledged and sent documents to my current correct address in response to my XXXX disputes showing they are fully aware of my current residence is in fact XXXX XXXX XXXX XXXX. 
Their use of an alleged XXXX letter is not only irrelevant its a deliberate act of deception to mislead the CFPB and avoid accountability. 

Leafy has committed several violations : Violations Committed : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing knowingly inaccurate and outdated information FCRA 623 ( a ) ( 3 ) : Continuing to furnish disputed tradeline without proper reinvestigation FDCPA 807 : Making false representations regarding the character or legal status of a debt PA FCEUA : Repeated failure to respond and correct known inaccuracies Regardless of what address is listed in their documents, LEAFY has failed to provide all of the below to my current address ( I have proof of everything which will be used as Exhibits including original copies of certified mailing receipts ) Proof of merchandise delivery to any address I legally resided at No valid assignment agreement showing transfer of the debt from XXXX XXXX to Leafy Financial False statements to a federal agency during an active regulatory investigation I am currently preparing for trial in XXXX XXXX XXXX, seeking {$12000.00} in damages for statutory violations, emotional distress, and financial harm. Leafys XX/XX/XXXX response will be submitted as evidence of : Bad faith and misrepresentation Willful regulatory evasion Continued harm to me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g 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

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 2025-06-13 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: CA

Complaint narrative:
I am writing to formally report and express serious concern regarding multiple violations of federal statutes, including the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 U.S. Code16812A, 16812B ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), and 26 U.S. Code 7212 ( a ).

These violations have resulted in significant financial hardship and undue burden for both myself and my family. I am requesting a thorough investigation into these matters and appropriate corrective actions to be taken as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I just got an email saying that I tried to get a loan with this company when I havent applied for loans I dont know what to do it now affected my credit score please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
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 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 2025-06-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am reaching out to report multiple unauthorized credit inquiries that have appeared on my report. I did not apply for credit with these companies, nor did I give permission for them to access my information. I have already disputed these inquiries, but they still remain, which is completely unacceptable. Their continued presence raises serious concerns about the safety of my personal information and possible identity theft. It has left me anxious, stressed, and deeply frustrated.

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