vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
In XXXX, I became a victim of extensive identity theft, which has continued across multiple states through XXXX. Numerous fraudulent accounts and credit inquiries were opened without my knowledge or consent. These include but are not limited to credit cards, loans, bank accounts, and utility services. I have submitted disputes under FCRA 605B to request the permanent blocking of this fraudulent information. 

Despite providing supporting documentation, including an FTC Identity Theft Report, police report, and proof of residency, the information remains on my credit file. I am seeking immediate removal of these items and a full reinvestigation under my rights as a verified identity theft victim. This prolonged fraud has impacted my ability to access basic services and secure housing. 

Please escalate this matter to the appropriate team for immediate resolution. I am requesting that all fraudulent accounts, hard inquiries, and any resulting negative reporting be permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very XXXX  that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX/2019 Balance : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
According to XXXXXXXX XXXX and Zelle, the payment was successfully transferred and received by the intended account at XXXX XXXX XXXXXXXX. However, my landlord has fraudulently denied receiving the funds and has evicted me under false pretenses. Despite the clear indication that the funds reached the correct destination, XXXX XXXX XXXXXXXX has thus far refused to return or freeze the payment or provide meaningful assistance in this matter. 
Key Points : I am the victim of fraudulent misrepresentation and financial loss. 
I followed all proper protocols in transferring funds via a legitimate channel ( Zelle ). 
The recipient has both accepted the funds and denied doing so, constituting potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PRO COLLECT regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX * * * * Balance : {$200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PRO COLLECT buttonoavail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXXXXXX XXXX XXXXXXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$95.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX CREDIT XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am submitting this complaint to dispute several late payment notations appearing on my credit reports across TransUnion, XXXX, and XXXX. The accounts in question are as follows : XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX  with a reported late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX  with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX  with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, showing a balance and past due amount of {$0.00}. 

These accounts reflect late payments despite showing XXXX past due balances or XXXX balances owed at the reported dates. This discrepancy indicates an error in the reporting or inaccurate reflection of the account status at the time the late payments were reported. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting late payments when the accounts reflect XXXX past due amounts misrepresents my payment history and damages the accuracy of my credit profile. 

The presence of these late payments adversely impacts my credit score and creates an inaccurate representation of my creditworthiness. This can unjustly lead to denials or unfavorable terms when seeking credit, insurance, or housing. Therefore, these late payment notations are misleading and violate my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MO

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA XXXX ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the XXXX window outlined in FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am submitting this complaint to dispute several credit inquiries listed on my Equifax credit report that I did not authorize and believe to be inaccurate. The inquiries in question are from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. These inquiries are currently reflected as hard inquiries, which typically indicate that a creditor or lender accessed my credit file as part of a credit application or review process. However, I did not apply for credit with these entities, nor did I grant them permission to pull my credit report at those times. 

Upon reviewing my Equifax credit report, I discovered these unauthorized inquiries, which are negatively impacting my credit score and causing unwarranted concern regarding my credit activity. It appears that these companies accessed my credit information without my knowledge or consent, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies like Equifax must ensure that all inquiries have a permissible purpose and are authorized by the consumer. An inquiry without consumer consent or a legitimate business need is considered an unauthorized access and is prohibited. 

These inaccurate inquiries raise serious concerns about the security of my personal information and the accuracy of my credit file. They falsely imply that I am actively seeking new credit from these entities, which may lead to unfair denials or higher interest rates on future credit applications. The presence of these inquiries damages my credit reputation, affects my financial opportunities, and causes undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington , DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau US DEPT ED XXXX XXXX XXXX XXXX VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE XXXX XXXX XXXX VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE XXXXXXXX XXXX | XXXX XXXX XXXX  VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE XXXXXXXX XXXX | XXXXXXXX XXXX XXXX  VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE XXXX | XXXXXXXX XXXX XXXXXXXX VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE XXXX XXXX XXXX XXXX VICTIM OF IDENTITY THEFT IDENTITY THEFT INTENT TO SUE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

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 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: AR

Complaint narrative:
I borrowed {$15000.00} from Happy Money and have paid over {$10000.00} in principal, yet the remaining balance is still over {$4300.00}. The total paid to date is over {$21000.00} due to excessive interest and fees ( APR XXXX %, interest rate XXXX  % ). 

When I reached out to negotiate a reasonable payoff or interest rate reduction, I was told I must first allow the account to be charged off before they would even consider a resolution. As someone working hard to become debt free and improve my credit, I find this policy unfair and predatory. 

I also attempted to speak with representatives about removing add-ons like XXXX coverage ( on a now non-operable vehicle ), but my request was denied. Ive remained in good standing and responsive throughout this loan, and instead of being supported with repayment options, I was met with barriers and vague answers. 
Im asking the CFPB to review this matter for unfair lending practices and to help hold Happy Money and their affiliated credit union accountable for discouraging responsible repayment while profiting through prolonged interest cycles.

Company response to consumer: Closed with explanation