vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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 dispute the legitimacy of accounts reported under my name without authorization. Please investigate and eliminate them. Enclosed are supporting materials.

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 2025-08-21 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$710.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 did not authorize the creation of these accounts and bear no responsibility for them. In accordance with USC 1681g, please delete them within 15 days. Attached are supporting documents.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found that several accounts are still being reported inaccurately and in ways that can not be substantiated. My XXXX XXXX XXXX XXXX account shows repeated 30- and 60-day late payments throughout XXXX, XXXX, and early XXXX, but no original billing statements or payment histories have ever been provided to validate them. An XXXX  account is coded with 30- and 60-day lates in late XXXX  and still carries a disputes after resolution notation, which indicates the previous investigation was defective and unresolved. A XXXX XXXX XXXX  account is being penalized with a 30-day late in XX/XX/XXXX on a very small balance, yet no documentation has been produced to confirm the billing and posting timelines. In addition, a XXXX XXXX XXXX tradeline shows a charge-off and bad debt/collection status even though the balance is {$0.00}, which is misleading and suggests re-aging or improper coding. Finally, a hard inquiry from XXXX XXXX dated XX/XX/XXXX, was placed on my file without my authorization or any demonstrated permissible purpose. These errors remain unresolved despite my previous disputes and are continuing to harm my credit profile unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
investigation did not fix an error 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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I recently discovered a collection account on my credit report from National Credit Systems for an alleged debt of {$2100.00}. I do not owe this debt and was never properly notified of it. This has prevented me from having the opportunity to dispute it before it was improperly placed on my credit report.

Additionally, I hereby revoke all rights for National Credit Systems to contact me by telephone, text message, or email.

My complaint is based on the following specific legal violations : Failure to Provide Proper Validation Notice : National Credit Systems failed to provide me with a proper validation notice as required by the FDCPA and the CFPBs Regulation F. I was never sent a communication that included the " validation information '' necessary to authenticate the debt. This is a violation of 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ), which requires the debt collector to inform the consumer of the right to dispute the debt, and 12 C.F.R. 1006.34 ( b ) ( 5 ), which defines the consumer 's right to receive this information.

Improper Collection Activities During Validation Period : By placing this collection on my credit report without prior notification, National Credit Systems engaged in a collection activity before I had an opportunity to dispute the debt. This violates 12 C.F.R. 1006.34 ( d ), which mandates that a debt collector must cease all collection activities if the consumer disputes the debt within the 30-day validation period. As I was not notified, this right was effectively nullified.

Reporting Inaccurate Information : By placing this alleged debt on my credit report, National Credit Systems reported information to a consumer reporting agency that I have disputed as inaccurate. This is a violation of the FCRA, 15 U.S.C. 1681s-2 ( a ), which outlines the responsibilities of furnishers of information and prohibits them from reporting information they know or have reasonable cause to believe is inaccurate. Since I was never properly notified of this debt, they had no basis to believe it was accurate and undisputed.

I have not been able to properly dispute this debt because I was never notified of its existence. In addition to a certified mail receipt with my signature, I also demand that National Credit Systems provide the purchase agreement between them and the original creditor, as well as documentation proving they are properly licensed and bonded to collect debt in my state.

Until National Credit Systems provides the requested validation, they are in violation of the FDCPA if they continue any collection activities. I demand that they provide proof of proper notification. Specifically, I request a certified mail receipt with my signature, or any other document that proves my acknowledgement and receipt of the debt validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXXXXXX XXXXXXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 explanation
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable du
ring a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable du
ring a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fiduciary for the private irrevocable trust has previously stated that multiple derogatory accounts have been settled and are unenforceable. Despite this, Experian, Equifax, and TransUnion continue to publish these items, which constitutes defamation, fiduciary breach, and commercial harm. Previous notices have gone unrebutted, establishing estoppel by acquiescence. Relief demanded : ( 1 ) Permanent removal of all disputed derogatory items ; ( 2 ) Full restoration of historical paid-in-full accounts ( 3 ) Manual recalibration of credit score to XXXX baseline ; and ( 4 ) Confirmation of compliance in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
The Fiduciary for the private irrevocable trust has previously stated that multiple derogatory accounts have been settled and are unenforceable. Despite this, Experian, Equifax, and TransUnion continue to publish these items, which constitutes defamation, fiduciary breach, and commercial harm. Previous notices have gone unrebutted, establishing estoppel by acquiescence. Relief demanded : ( 1 ) Permanent removal of all disputed derogatory items ; ( 2 ) Full restoration of historical paid-in-full accounts ( 3 ) Manual recalibration of credit score to XXXX baseline ; and ( 4 ) Confirmation of compliance in writing.

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 2025-08-21 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: OH

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-21 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We recently finished a 3 year XXXX  XXXX On XX/XX/year> .The mortgage was attached To the Trustee payments assuring they would receive payment of the loan. We have a cure from Shellpoint Trustee XXXX XXXX XXXX and XXXX XXXX. ) This indicates it was all paid to date. 
Even though I continue to make my minimum, I continue to owe more and more every month! This is wrong! They are applying my payment incorrectly ( too much to principle, not enough to monthly payment ). Please see attached cover letter and all docs indicating what I am saying. 
Please help! We do not want to lose the house! 
Thanks 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 2025-08-21 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MS

Complaint narrative:
b'**Subject: Formal Complaint  Inaccurate Negative Reporting by XXXX XXXX XXXX Whom It May Concern,**\n\nI am submitting this formal complaint on behalf of XXXX XXXX XXXX regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX a debt collector/auto financing entity. This account is being falsely reported on **all three major credit bureaus (Equifax, Experian, and TransUnion)** as having a **balance owed of XXXX when in fact, **the account was paid in full**.\n\n### Details of the Complaint:\n\n* **Creditor/Collector:** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Reported Balance:** XXXX XXXXAccount Status:** Paid in Full\n* **Issue:** Incorrect reporting of a balance due, resulting in a negative tradeline\n* **Related Issue:** Title sale tax discrepancies that do not reflect a consumer obligation\n\n### Legal Concerns:\n\n1. **Furnishing Inaccurate Information (FCRA Violation):**\n   Under **15 U.S. Code  1681s-2(a)(1)(A)**, furnishers of information to consumer reporting agencies must report data accurately and completely. Reporting a balance of XXXX  on a **paid account** is clearly inaccurate.\n\n2. **Misrepresentation of Tax-Related Charges:**\n   The remaining balance appears to relate to **title sales tax**, which is not a valid basis for continued collection or negative reporting if it was not properly disclosed, or if the tax obligation was settled during or after the vehicle sale. A title tax issue **should not be reflected as a consumer debt** if no contractual obligation exists.\n\n3. **Damaging Consumer Credit Without Just Cause:**\n   By reporting this balance as unpaid, XXXX XXXX XXXX is knowingly harming the creditworthiness of XXXX XXXX XXXX which may constitute **defamation of credit** or unfair practices under the **Fair Debt Collection Practices Act (FDCPA)**.\n\n### Requested Action:\n\n* Immediately **remove the false \\XXXX  balance** from all three credit bureaus.\n* Update the account to reflect a **"Paid in Full"** status with no remaining balance.\n* Cease any further negative reporting or collection attempts related to title sale tax unless legally validated and contractually supported.\n* Conduct a formal investigation into XXXX XXXX XXXX reporting practices regarding this and similar cases.\n\nWe respectfully request the CFPB\'s assistance in resolving this matter and ensuring that XXXX XXXX XXXX consumer rights are protected.\n\nThank you for your attention and assistance.\n\n**Sincerely,**\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation