vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Stein Law, P.C.
State: NV

Complaint narrative:
XX/XX/year> XXXX was taken from my check before my check even came I wasnt notified nor do I recognize the Debitor The company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-03 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Someone took out a XXXX XXXX in my name I was informed because I finally tried to use my credit for something and when I contacted the school it had XXXX as my information off rip I knew who had done it this was in XXXX I didnt get a wind out this until XX/XX/XXXX which XXXX XXXX XXXX now deceased I didnt know how to go about it knowing shes know longer living so I reached out to the school to see what could be done they had me gather up all this information from back in XXXX up until XXXX to prove it wasnt me and then after I did all of that they sent me a letter saying it wasnt enough information to remove to start paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$9800.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$3200.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-07-04 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I am writing to formally request the removal of multiple adverse hard inquiries from my TransUnion credit report pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-3, which provides clear protections for survivors of XXXX XXXX. Under this provision, credit bureaus are required by law to block and delete any negative informationincluding inquiriesthat resulted from XXXX XXXX 
The following inquiries were made without my informed consent while I was subjected to coercion and exploitation, and they do not reflect legitimate credit activity on my part : Hard Inquiries to Be Removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In addition to protections under FCRA 605C, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting or collection of information that arises from fraud, coercion, or exploitation. Because these inquiries were a result of trXXXX circumstances, they must be removed in compliance with these laws. 
I am enclosing supporting documentation including a copy of my government-issued identification, proof of my current address, and documentation confirming my status as a XXXX XXXX XXXX 
I respectfully request that TransUnion block and permanently delete these hard inquiries, provide me with written confirmation of their removal, and send me an updated credit report reflecting these corrections.

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 2025-07-03 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 XXXX ( XXXX U.S.C. 
XXXX ) 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 XXXX 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 XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NY

Complaint narrative:
A collection debt was put on my credit report for XXXX and some for rge and l j Ross associates is helping them. It states XX/XX/XXXX of XXXX to XXXX. I don't have rge in my name. The last time I had rge in my name was XXXX, or XXXX years ago. So how they pulled that off? And after XXXX years any rge bill you got go away after XXXX  years

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
b"I received a call stating that I hadn't accepted the civil lawsuit paperwork and that if I didn't respond, a legal decision would be made against me. and that I had refused the previous attempts. \nThey called me , and my mother who is in another state, and my employer and I have the vociemail copy from her of the message stating all of the above information that was left on my mothers phone.  \nI did call the number that was provided-\nThey called me from XXXX and gave me XXXX to call back as they stated they were the server.  When calling the XXXX number back, it goes to the XXXX XXXX XXXX  person's phone.  They called my mother from XXXX, it goes to the same place.  They said that those numbers were forwarded to them, but the person calling wasn't them. \nI did call they said I owe Synchrony Bank and will not tell me the credit card name that it is for.  They sent a docusign document to my email that they want me to sign and pay them for something I requested the validation from the original creditor owed and they stated they don't provide that, and that they gave me validation.  However, all it states is Synchrony Bank and a old card number.  I called Synchrony Bank and they said they cannot locate that card number, and I would need the business name on the card, and they wouldn't provide that to me.  They informed me that the debt dates back to XXXX and that they were unable to file due to XXXX.  However, the paper they emailed says a different date in XXXX that the account was closed. The paper they emailed has three different business names.  The letterhead says XXXX XXXX XXXX, XXXX, XXXX. It is a Settlement Demand-it says I would authorize XXXX XXXX  to charge my credit card. The bottom of the paper has an address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX\nThe next paper says..\nThe validation of debt Original Creditor as Synchrony Bank account closed XXXX and Court Balance of XXXX it says make payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX.  Upon research that shows a UPS mailbox. The paper does have the Whittaker and Associates on the top as well. \nNone of this makes any sense as it is three different names, and they will not provide me the original debt information, and said that I can only dispute in court.  They said they arent a debt collector.  Rather, they were hired for arbitration. Although the vociemail and the man that called me stated something different as well."

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
XXXX has XXXX my payment history to reflect new derogatory marks ( XXXX XXXX 30  days late ; XXXX XXXX 60 days late ), which were not originally reported. Previously, these months showed Current and 30 Days Late respectively.

This is not only inaccurate it appears to be a retroactive adjustment made without proper notification, verification, or supporting documentation. Ive submitted multiple email requests asking for a full audit trail of payments, payment processing timestamps, and internal notes on the auto-pay errors weve experienced but XXXX has ignored every communication. 

We have set up auto-pay more than once, only to find that it failed silently with no alerts. This makes the reporting both negligent and misleading, and appears designed to trap consumers into derogatory cycles without clear visibility or recourse. 

XXXX has provided no verification or proof that these delinquencies were valid, timely, or disclosed nor have they responded to disputes.

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 2025-07-03 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : [ 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 2025-07-03 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized information reporting to my credit report. These remarks have been detrimental to my life and credit.

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 2025-07-03 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: CA

Complaint narrative:
XX/XX/XXXX I noticed my credit reporting yet again shows XXXX reporting me late. Again dropping my score from XXXX to XXXX. I was informed yesterday XX/XX/XXXX by XXXX XXXX XXXX XXXX. That XXXX unapplied my XXXX and XXXX XXXX payments to my mortgage account. XXXX stated that XXXX didnt know I did not want the payment deferral they were offering me. Why would I need this deferral as I already paid the balloon payment demanded by XXXX! XXXX was in direct violation of the California moratorium by demanding this ballon payment back in XX/XX/year>. They sent me letters threatening foreclosure and initially stated I had to pay the XXXX  day balloon payment demanded Or else now you can clearly see I didnt accept the later offered forbearance as I paid the XXXX days already in fear of foreclosure, in fear of reporting me late to credit bureaus. even though I paid the balloon payment after my home burned down, XXXX still reported me XXXX Days late in XX/XX/year>. 
After filing complaints with XXXX and informing all credit bureaus this is in violation of CA moratorium and they still reported me late even after I paid. Now after those complaints, XXXX did correct my previous credit report. 
But now again they unequivocally violated the fair credit reporting act by unapplying my mortgage payments. Mortgage payments that were set up by me in their online portal in XX/XX/year>. I set up Automatic withdrawls for every month thereafter XXXX, XXXX, XXXX, XXXX etc so that I would not have to worry about my mortgage. However XXXX themselves gave the excuse we thought you were accepting the forbearance plan so we didnt apply your payments this is unacceptable.excuse to not apply my payments?

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 2025-07-03 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: CA

Complaint narrative:
XX/XX/XXXX I noticed my credit reporting yet again shows XXXX reporting me late. Again dropping my score from XXXX to XXXX. I was informed yesterday XX/XX/XXXX by XXXX XXXX XXXX XXXX. That XXXX unapplied my XXXX and XXXX XXXX payments to my mortgage account. XXXX stated that XXXX didnt know I did not want the payment deferral they were offering me. Why would I need this deferral as I already paid the balloon payment demanded by XXXX! XXXX was in direct violation of the California moratorium by demanding this ballon payment back in XX/XX/year>. They sent me letters threatening foreclosure and initially stated I had to pay the XXXX day balloon payment demanded Or else now you can clearly see I didnt accept the later offered forbearance as I paid the XXXX days already in fear of foreclosure, in fear of reporting me late to credit bureaus. even though I paid the balloon payment after my home burned down, XXXX still reported me XXXX Days late in XX/XX/year>. 
After filing complaints with XXXX and informing all credit bureaus this is in violation of CA moratorium and they still reported me late even after I paid. Now after those complaints, XXXX did correct my previous credit report. 
But now again they unequivocally violated the fair credit reporting act by unapplying my mortgage payments. Mortgage payments that were set up by me in their online portal in XX/XX/year>. I set up XXXX withdrawls for every month thereafter XXXX, XXXX, XXXX, XXXX etc so that I would not have to worry about my mortgage. However XXXX themselves gave the excuse we thought you were accepting the forbearance plan so we didnt apply your payments this is unacceptable.excuse to not apply my payments?

Company response to consumer: Closed with non-monetary relief