vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I am disputing a loan account reported by XXXX XXXX and being collected by XXXX XXXX XXXX. The balance of the loan is reported inconsistently across credit bureaus, and I have not received any documentation validating the amount or terms of the loan. 

On XX/XX/year>, I submitted written requests to both XXXX XXXX and XXXX XXXX XXXX asking for : A copy of the original signed loan agreement A complete account history, including payments, fees, interest, and balance calculations An explanation of the relationship between XXXX and XXXX To date, neither company has responded with the requested documents. Without this information, I can not verify the accuracy of the loan, the amount reported, or the legitimacy of the collection activity. 

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If the debt can not be validated, I ask that it be corrected or removed 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 explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I am disputing a loan account reported by XXXX XXXX and being collected by XXXX XXXX XXXX. The balance of the loan is reported inconsistently across credit bureaus, and I have not received any documentation validating the amount or terms of the loan. 

On XX/XX/year>, I submitted written requests to both XXXX XXXX and XXXX XXXX XXXX asking for : A copy of the original signed loan agreement A complete account history, including payments, fees, interest, and balance calculations An explanation of the relationship between XXXX and XXXX To date, neither company has responded with the requested documents. Without this information, I can not verify the accuracy of the loan, the amount reported, or the legitimacy of the collection activity. 

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If the debt can not be validated, I ask that it be corrected or removed 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 2025-05-18 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: GA

Complaint narrative:
I am disputing a loan account reported by XXXX XXXX and being collected by XXXX XXXX XXXX. The balance of the loan is reported inconsistently across credit bureaus, and I have not received any documentation validating the amount or terms of the loan. 

On XX/XX/2025, I submitted written requests to both XXXX XXXX and XXXX XXXX XXXX asking for : A copy of the original signed loan agreement A complete account history, including payments, fees, interest, and balance calculations An explanation of the relationship between XXXX and XXXX To date, neither company has responded with the requested documents. Without this information, I can not verify the accuracy of the loan, the amount reported, or the legitimacy of the collection activity. 

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If the debt can not be validated, I ask that it be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
b'I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.\n \nAccount Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I paid XXXX the final amount owed to them ( {$120.00} ) on XXXX This company reported my account to credit bureaus as a collections account on XXXX  - 3 weeks AFTER the payment was made to the original creditor. I have never had any contact at all with this company, I was never notified regarding any accounts. All of my communication has been solely and directly with XXXX. I have disputed this negative mark on my credit and they refuse to remove it. On my XXXX report I am seeing the account listed as open, which it most certainly is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
I notice on my credit report of 2 accounts that wasnt mine and is reporting as fraud. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted the creditors also. Please remove these accounts off my credit report. I also contacted consumer lawyer about these accounts

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 2025-05-18 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: SC

Complaint narrative:
I notice on my credit report of 2 accounts that wasnt mine and is reporting as fraud. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted the creditors also. Please remove these accounts off my credit report. I also contacted consumer lawyer about these accounts

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A eviction was filed due to non payment but payment was rendered but landlord refused to accept. The filed in XXXX but lease was up in XX/XX/XXXX and I was moving. Offer to resolve matters so eviction was withdrawn and. Tenant screening reported a case with inaccurate information and personal healthcare information to the public and death certificate information and per HIPPA my medical information is not public information or there business. Requested to remove ans correct inaccurate information on an open case with the clerk of courts. All parties involved one is deceased and the other ( me ) is XXXXXXXX XXXX XXXX XXXX  and there actions has caused physical and mental harm with lasting repercussions. Due to there report unable to get fair housing and continue life needed treatment due to severe homelessness

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 2025-05-18 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XXXX XXXX i was notified by an employer who offered me job couple days prior that my offer might be rescinded because of info on my " driving background check '', the results say i have XXXX felony convictions and i do not have any.it ha wrong it also repeats a conviction. and lists a charge that was dismissed but they have it listed as i was convicted. they gave me 5 days to correct the report. 
i have called transunion via the phone number below that my employer provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX and the phone rings one time then hangs up on me. i tried to contact transunion online and was not able to log gin even though i have the correct log in info and received the code sent to my as verification. as another attempt to dispute within the allowed. today marking the XXXX day i contact transuion on their website and spoke to a live agent who informed me that my account was flagged for security purposes and told me that i needed to call in. i provided him with my social security number and all the identity info requested and even though i got it correct he said i still needed to call in to verify my voice. which is odd because they wouldn't know my voice since i never called in before. 
i called in anyway and of course it rings once and hangs up. today is the XXXX day in which i lose my job offer. 
seems unfair that transuion has so many inaccurate data costing my job and no way to correct it.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In the dispute letter, the sender formally challenges a derogatory item listed on their XXXX  credit report. The item, reported by Transworld Systems Inc., appears as an account labeled XXXX with a balance of {$920.00}, marked as placed for collection and showing a missed payment. The sender disputes the accuracy and validity of this account, asserting that the information may be unverifiable or incorrect. Citing multiple provisions of the Fair Credit Reporting Act ( FCRA ), the sender requests that XXXX  investigate the account, provide details about the verification process and the reporting party, and remove the account from the credit report if it can not be verified within the 30-day timeframe mandated by law. The letter includes identification and proof of address to support the dispute and asks for a written response outlining the outcome of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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 recently reviewed my credit report and found unauthorized charges that are negatively affecting my credit history. I am requesting that these charges be removed in accordance with the Fair Credit Reporting Act ( FCRA, Law 1681 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Re : Request for Deletion and Correction of Inaccurate Personal Information Under FCRA To Whom It May Concern, I am writing to formally dispute and request the immediate correction and deletion of inaccurate personal identifying information currently reported on my credit files. Pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 604, 607 ( b ), and 609 ( c ), I request that the following updates be made to my personal identifying information : Correct Personal Information ( to remain on file ) : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NY XXXX Social Security Number ( last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Email Address : XXXX Phone Number : XXXX Employment : XXXX XXXX XXXX Please XXXX XXXX XXXX INCORRECT or INACCURATE information from my credit file immediately : TransUnion and Experian : XXXX XXXX XXXX, XXXX XXXXk, NY XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX Equifax : XXXX XXXX XXXX XXXX, Apt XXXX, XXXX XXXX  NY XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX These addresses are factually inaccurate and should not be associated with my credit file. Their presence on my report is misleading and could negatively impact my creditworthiness and expose me to identity verification issues.

Please REMOVE all phone numbers except : Correct Number ( retain ) : XXXX Any other number on file is inaccurate and may expose me to fraudulent account access or misidentification. Please permanently delete all other phone numbers from my report.

Please REMOVE all email addresses except : Correct Email ( retain ) : XXXX No other email address is authorized or accurate. Any additional email poses a risk of miscommunication or fraudulent access to my identity. 

Please Update Employment Information To : XXXX XXXX ( All Bureaus ) Under FCRA Section 607 ( b ), you are required to ensure that all personal information reported is accurate and up to date. Continuing to report inaccurate identifying information after receiving this dispute would be a direct violation of the FCRA and could be subject to legal and regulatory action. 

Please consider this a formal dispute under the FCRA and update my personal identifying information accordingly. I respectfully request a written confirmation of the changes made within 30 days, as required under FCRA Section 611. 

Enclosed you will find : A copy of my government-issued ID A copy of my social security card A copy of my bank statement A copy of my Paystub for proof of employment Highlights of incorrect or blank information on my credit report Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit report is showing the wrong date of opening of my 1st XXXX XXXX XXXXXXXX Checking account which I opened XX/XX/year>2007 which I opened in XXXX XXXX AZ. I moved to California and opened a 2nd XXXX XXXX XXXXXXXX Checking account in XXXX CA & I believe it has the opening date of this account. But I have had a XXXX XXXX XXXXXXXX Checking account since 2007 with no issues & payments made on my XXXX  XXXX XXXX XXXX XXXX with no issues. Please can you fix the date of my original opening of my account with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2025-05-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-05-18 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: IN

Complaint narrative:
Remove these inaccurate accounts 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 2025-05-18 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: IN

Complaint narrative:
Remove these inaccurate accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit Systems added a negative account on my report without sending me a dunning letter. On XX/XX/year>, i sent them a letter requesting validation and verification of this alleged debt, but they ignored me. Till now, they are still reporting this negative information on my report.

Company response to consumer: Closed with non-monetary relief