vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-10 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: RI

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! 

"

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 2025-07-10 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: NC

Complaint narrative:
My credit report reflects unauthorized and fraudulent activity that I did not initiate or approve. I am formally disputing these entries as they were created through misuse of my personal 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 2025-07-10 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-07-10 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:
This letter serves as a formal dispute concerning fraudulent items reflected in my credit report. I did not open or authorize the accounts in question, and they represent a clear instance of identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inquiries on my credit report that I did not authorize. These may suggest fraudulent activity and should be reviewed immediately. Attached 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 2025-07-10 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: IN

Complaint narrative:
On XX/XX/year>, I sent issued a formal debt validation request letter to XXXX XXXX XXXX XXXX  XXXX concerning an alleged debt supposedly originating from the XXXX XXXX XXXXXXXX XXXX. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I specifically requested the following three fundamental pieces of information required to properly assess the validity, age, and legal enforceability of the debt : The date of first delinquency The date of charge-off The date of last payment XXXX XXXX XXXX response failed to provide any of these critical details. Instead, I was sent a generic account summary listing amounts related to registration, book fees, and late feesnone of which satisfy the legal obligation to provide accurate and itemized validation of debt under 15 U.S.C. 1692g ( b ). 

Additionally, XXXX XXXX XXXX response does not meet standards of accuracy required by the FCRA. Under the Fair Credit Reporting Act, the following provisions apply : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information to consumer reporting agencies must provide accurate information.

15 U.S.C. 1681s-2 ( b ) Upon notice of dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate information.

15 U.S.C. 1681e ( b ) Credit reporting agencies must maintain procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681g ( a ) ( 1 ) Consumers have the right to obtain all information in their file at the time of request.

15 U.S.C. 1681c ( a ) ( 4 ) A debt may not be reported more than seven years after the date of first delinquency. 

Despite this, the alleged debt does not appear on any of my credit reports from Equifax, Experian, or TransUnion, meaning the debt was never listed or reported by the XXXX credit reporting agencies as the debt has been discharged & forgiven in the first place.

The debt has already been discharged by the original creditor, the XXXX XXXX XXXX XXXX, who issued a Form 1099-C, canceling the obligation and reporting the cancellation to the IRS under 26 U.S. Code 6050P. A previous debt collector, XXXXXXXX XXXX XXXXXXXX, ceased all collection activity upon being notified of this discharge. 

Despite this, XXXX XXXX XXXX has inexplicably resumed collection efforts, raising serious legal concerns. Any continued attempt to collect on a discharged debtespecially one for which a 1099-C has been issued constitutes violation of : Unfair or deceptive practices under 15 U.S.C. 1692e Harassment under 15 U.S.C. 1692d Collection of non-existent or unenforceable debt under both FDCPA and FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I was unaware of these inquiries, which appear to be unauthorized and possibly fraudulent. Please investigate and resolve this issue promptly. Relevant documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern and has created substantial financial hardship in my daily life. I am deeply worried about its potential impact on my credit profile, as it has already resulted in the denial of a recent loan application that I desperately needed for essential expenses and an increase in the interest rates on my existing credit accounts. This negative rating has also prevented me from qualifying for better credit terms and has limited my access to financial opportunities that would help improve my situation. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is properly resolved, as it affects my ability to secure housing, obtain employment, and provide for my family 's basic needs.

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 2025-07-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern and has created substantial financial hardship in my daily life. I am deeply worried about its potential impact on my credit profile, as it has already resulted in the denial of a recent loan application that I desperately needed for essential expenses and an increase in the interest rates on my existing credit accounts. This negative rating has also prevented me from qualifying for better credit terms and has limited my access to financial opportunities that would help improve my situation. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is properly resolved, as it affects my ability to secure housing, obtain employment, and provide for my family 's basic needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my credit report on XX/XX/year>, and noticed that some thongs were incompletes and inaccurate as reported by Experian from XXXX XXXX XXXX and according to the Fair credit reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to ensure maximum possible accuracy information concerning the individual about whom the report relates. 

I sent two ( 2 ) letters dated XX/XX/year> and XX/XX/year> asking them to reinvestigate this account listed below : XXXX XXXX XXXX XXXX # XXXX Opening date is not reporting correctly, date last active, dates of last payments are not correct, this account is account is accurate. 

They have still not response to my request to date.

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 2025-07-10 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: TX

Complaint narrative:
My name is XXXX XXXX : Social Security XXXX : XXXX I have reported this item several times on my report it shows XXXX late payment which is very inaccurate, the credit bureau has refused to send me any information obtained from furnisher proving accuracy. the account is listed below I want this late payment immediately removed off of my credit report and reporting " as agreed '' due to inaccuracy reporting account has never been late and was closed pay off in good standing. 

XXXX XXXX XXXX. Account : # XXXXXXXX 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have noticed several inaccuracies on my report including reaging a charge off account

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I

am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
From XXXX XXXX XXXX My wife/I were scammed into signing under duress for 2 loans totaling XXXX XXXX 
XXXX XXXXXXXX in my wife name XXXX XXXXXXXX XXXX XXXXXXXX in my name XXXX XXXX XXXXrom a Loan company name Service Finance Company LLC. , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX 
XXXX XXXXXXXX in my name XXXX XXXX from a Loan company name XXXX XXXX XXXX XXXX, Texas XXXX. 
XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX came to our home and said his company was funded by The State Of California and he would be able to get the almost XXXX old concrete fence in our front yard removed without us having to pay anything out of our pocket. 
We thought everything was fine even though my wife said he sounded like a scam artist. 
He promised us that we wouldn't have to pay for anything until XX/XX/year> and that The State Of California would be paying for the XXXX year. 
After taking measurements of our backyard fence that was practically falling down due to also being almost XXXX old due to heavy winds and a XXXX falling down fence along with 2 other 's we talked more and didn't sign any paperwork and he left. 
We were then bombarded with calls to docu sign via email for the 2 loans under duress even though the work not completed. 
And when the front yard was done it had to be fixed due the contractor making mistakes. 
After finding out we were scammed I called XXXX XXXX XXXX XXXX XXXX and he said that his son XXXX XXXX would come and talk to us. 
I told him about XXXX XXXX from XXXX XXXX and he said he doesn't work for him anymore. 
Afterwards my wife/I cellphones were bombarded with calls from XXXX XXXX which XXXX XXXX XXXXold us not to take. 
His son XXXX XXXX arrived at our home and did measurements in our backyard at the fence and 2 other 's and wrote notes down on his tablet. Then he made us sign a release form and said if we signed it his father would help us and if we didn't he would. Then he said if we came after him the family has 2 lawyers that would sue us. 
So under duress we signed and he gave us {$1500.00} cash and a receipt which he took back then left in a white XXXX. 
My has pictures of the release form and receipt. 
XXXX XXXX XXXX in XXXX, XXXX, is most likely associated with XXXX XXXX XXXX XXXX XXXX. 
I called both Loan Company 's at they're investigating the loans. 
Be advised XXXX XXXX XXXX XXXX XXXX said that he's been in business XXXX. 
Service Finance Company LLCXXXX XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX sounds like a Scam Business. 
Please get investigate because my wife/I are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and don't want to lose our home in default for not paying these loans due to having signed them under duress.

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