vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-05-14 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: FL

Complaint narrative:
On XX/XX/year> I received an alert regarding a new hard inquiry on my credit report from XXXX XXXX ( showing as XXXX on Experian and as XXXX XXXX XXXX Transunion XXXX I did not request a credit card from XXXX XXXX. I contacted the company and requested that it is NOT sent to me.

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 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This debt does not belong to me. I never had these services.

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 2025-05-14 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: GA

Complaint narrative:
I am formally disputing several inaccurate and unverifiable entries on my Equifax credit report dated XX/XX/year>, which have significantly impacted my credit score and financial opportunities. These include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A collection account reporting a balance of {$13000.00}. I never received a validation notice or communication from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX prior to this account appearing on my credit report. I dispute the validity of this debt and request documentation proving its legitimacy. No collection activity was communicated or agreed upon. 

XXXX XXXX XXXX XXXX XXXXXXXX This is listed as a charged-off account with a {$7500.00} credit limit but no balance and no detailed payment history. I have no recollection of authorizing this account, and it has never been validated. 

XXXX XXXX Two conflicting entries appear for this account : XXXX marked Lost or Stolen Card and the other listed as Closed by Credit Grantor . These are duplicate and contradictory listings which violate accuracy standards under the FCRA. I request that XXXX or both be removed or clarified to reflect only verifiable information. 

XXXX This student loan account reports a current balance of {$4000.00} and is marked as Payment Deferred. I request confirmation of the deferment status and a review to ensure no misreporting occurred during the payment deferral period. 

Despite not receiving verification or being notified of these items, they continue to be reported. I have not authorized nor received proper documentation for the debts listed. These entries have materially harmed my credit profile and violate multiple consumer protection laws including the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
XXXX. Inaccurate XXXX of XXXX and XXXX The account is reported as charged off with {$200.00} written off, yet it continues to reflect an outstanding balance of {$100.00} as of XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers must report only accurate and complete information. If this debt was charged off, and especially if it was sold or transferred, the presence of a balance is misleading and may constitute inaccurate reporting. 
Furthermore, if the account is no longer legally collectible by XXXX XXXX, this continuing balance misrepresents my financial obligation and may constitute double reporting, a deceptive practice under FCRA 623 ( a ) ( 5 ). 

XXXX. Conflicting and Outdated Information The account reflects a last payment date of XX/XX/XXXX, yet the status was last updated in XX/XX/XXXX. This contradiction indicates that the reported information is not current or properly maintained, in violation of FCRA 607 ( b ), which mandates that consumer information be complete and up to date. 

XXXX. Misleading Credit Utilization The account lists 105 % credit usage on a closed and charged-off tradeline. Since the account is no longer active, it should not factor into my utilization ratio. This misreporting has a significant negative effect on my creditworthiness and violates the standard for fair and accurate representation under FCRA 607 ( b ). 

XXXX. Failure to Accurately Report Account Status The account was closed at the creditors request, but it is still reflecting an unpaid balance and delinquency despite the charge-off and potential sale of the debt. This status is misleading and may create confusion for future lenders or automated scoring systems, violating FCRA 623 ( a ) ( 2 ) regarding duty to correct and update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I received an alert regarding a new hard inquiry on my credit report from XXXX XXXX ( showing as XXXX on Experian and as XXXX XXXX XXXX Transunion XXXX I did not request a credit card from XXXX XXXX. I contacted the company and requested that it is NOT sent to me.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-05-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-05-14 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: GA

Complaint narrative:
SEE NOTES AND ATTACHMENTS According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on two different days. This is an inaccurate report. Also, the past due dates are showing different reports. Please delete these inaccurate reports immediately.

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 2025-05-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is an ongoing investigation and issue with XXXX XXXXXXXX at XXXX XXXX XXXX XXXX property management company using XXXX XXXX XXXX as a management firm. I have requested that they stop threatening me and stop contacting me with their abusive business. The XXXX XXXX XXXX who is their debt collector continues to be inappropriate towards me. I have disputed it multiple times and they refuse to honor my complaints against them and the unethical conduct I witness while living in XXXX. I have also reported it to XXXX. I recently received a letter that the company does not know how to contact me. They send me letters constantly trying to threaten legal action towards me when I am an innocent person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I am disputing the inaccurate inquiry entries being reported on my Equifax credit report for XXXX XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. These entries reflect inquiries that I do not recognize, suggesting possible errors or unauthorized access to my credit profile. Under 15 U.S.C. 1681b, credit bureaus are required to ensure that inquiries only appear on a consumers credit report when there is a permissible purpose, such as a direct credit application or a legitimate business transaction initiated by the consumer.

Given the sensitive nature of credit inquiries and their direct impact on my credit score, it is critical that these entries are accurately reported and fully verified. Inaccurate or unauthorized inquiries can significantly damage my credit profile, reducing my creditworthiness and exposing me to unfair financial disadvantages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I submitted a {$130.00} payment to my Apple Card on XX/XX/year>. The Apple XXXX app stated clearly and repeatedly that Your Available Credit will be updated by XX/XX/year> to reflect this payment. Based on that information, I made financial decisions expecting that credit to be restored by XX/XX/XXXX. 

On XX/XX/XXXX, Apple Support told me the funds would not clear until XX/XX/XXXX. When I pressed for accountability, they gave me a case number ( XXXX ), then logged off without confirming anything in writing. I never received an email confirming the case was opened, which suggests they fabricated it. 

This is misleading financial information displayed directly in the Apple XXXX interface, and it caused real financial disruption. I want an explanation of why the app showed incorrect clearing dates and a resolution from Goldman Sachs or Apple for this failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for violations of the Fair Credit Reporting Act ( FCRA ) related to their failure to process my dispute and the inaccurate reporting of a bankruptcy on my LexisNexis consumer report. 
On XX/XX/year>, I mailed a dispute letter to LexisNexis, addressed to their correct mailing address as provided on their official website, disputing an inaccurate bankruptcy entry on my consumer report. To ensure proper identification, I included copies of my government-issued ID, Social Security card , and proof of address, as required. Despite my compliance with their dispute submission requirements, I did not receive a response to my dispute. Instead, my dispute letter was returned to me unprocessed, with no explanation provided by LexisNexis. 
Under the FCRA, specifically sections 611 ( a ) and 623 ( b ), LexisNexis is obligated to conduct a reasonable investigation of consumer disputes within 30 days of receipt and to correct or remove inaccurate, incomplete, or unverifiable information. By failing to process my dispute and returning my letter, LexisNexis has violated these provisions, preventing me from exercising my rights to ensure the accuracy of my consumer report. Furthermore, the bankruptcy entry remains inaccurate and continues to harm my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 1002 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 2025-05-14 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/2025 Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/2025

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 2025-05-14 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXXXXXX 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
Problem XXXX ) There is a debt on my credit report, listed as the same debt by XXXX different collection agencies. XXXX XXXX XXXX and SouthWest Recovery Services. 

They cant both own the same debt. 

Problem XXXX ) Southwest Recovery is the most recent reported so I called the number listed to begin the process, however, when you call the phone number listed for their organization its the number for a XXXX XXXX XXXX called XXXX XXXX  Address and all. However, XXXX doesn't own, has ever owned, or is affiliated with Southwest Recovery. 

In my view this is a gross misdirection and potential XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

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 response to consumer: Closed with non-monetary relief