vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against TransUnion for willfully violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681c-2. 

XX/XX/year>2025 -- I submitted a formal dispute regarding an identity theft-related collection account appearing on my credit report. Along with my dispute, I provided a valid FTC Identity Theft Report and a sworn Identity Theft Affidavit in accordance with 15 U.S.C. 1681c-2 ( a ). Despite this, the credit reporting agency failed to block the fraudulent information within the required 4 business days, as mandated by law, and allowed the account to remain.

Furthermore, the reinvestigation process violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by exceeding the maximum allowed 30-day investigation window without resolution or proper notice.

These actions demonstrate a willful disregard of FCRA obligations and have caused continued damage to my credit profile.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
the account for the credit acceptance account is not correct I contacted the company and the credit reporting agency and they stated that they were correct.

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 2025-06-12 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



NEGATIVE ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$29000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing inaccurate personal and employment information on my TransUnion credit report. The only correct information should be : Name XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 
TransUnion is incorrectly reporting jobs at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, which I have no knowledge of or affiliation with. It is also reporting addresses I do not recognize or have ever lived at : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX The Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sc XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 1681e ( b ), 1681i, and 1681gI request an immediate investigation and removal of these inaccuracies. Please confirm the corrections and send an updated 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 2025-06-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 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 XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} INQUIRIES : XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  LLC Date XXXX 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 explanation
Consumer complaint received 2025-06-12 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: Axela Technologies, Inc
State: NJ

Complaint narrative:
Since 2018, we have been requested information from the XXXX XXXX XXXX, a XXXX XXXX, and a fraudulent XXXX that continues to collect and docket a fraudulent debt against our property. 

This is a copy of our previous request that we sent to the said management company in 2018, to which we received no response : " Please forward a copy of the official records, accounting records for the past three years, XXXX  rules, list of officers, CC & Rs, Bylaws, amendments, Board & Membership meeting notices, minutes, and related documentation, membership roster, including the Association 's members, mailing addresses, units/lot, and telephone numbers, Associations ' insurance policies, Associations ' third party agreements and contracts, copies of judgements, liens, and/or any encumbrances recorded against, or on behalf of the Association, recorded instruments related to all properties owned by the Association, and Association documents related to membership voting, the election of officers, directors, and membership approvals, such as ballots, proxies, notices, minutes, all rental records of the Association if the Association acts as a XXXXXXXX XXXX, current account ledgers for each member of the Association reflecting the member 's name, amount, and due date of each annual assessment, copies of all contracts for work to be performed, including bids, invoices for purchases made by the Association, and other Association official records that relate to the operation and management of the community. '' Recently, someone from this fraudulent XXXX  contracted with XXXX XXXX, XXXX, XXXX, Florida XXXX, # : XXXX, a debt collection firm in XXXX, to regurgitate this fraudulent activity. Once again, we have requested information regarding the same. 

Since this appears to be a continuing attempt at collecting a fraudulent debt, we are reporting it in the hopes that your agency can bring closure to this issue. 

Best Regards,

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 2025-06-12 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 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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC
State: GA

Complaint narrative:
XX/XX/XXXX has a XXXX loan on my credit I was given a faulty car and after months of trying to get them to resolve the issue I volunteered to return the car I was told they would send me a letter stating the amount I would need to pay once they resold the car that did not happen only to see I have a XXXX XXXX dollar car loan on my credit after Ive been paying my car payments monthly

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 2025-06-12 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: TX

Complaint narrative:
The following accounts associated with the Department of Education are currently being reported and are in dispute : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX I request that you remove all items due to a data breach within the department of education and my information being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested that Equifax have derogatoy information removed from my credit file. All accounts on my credit show that I have not paid including accounts that show paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-12 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 noticed a XXXX credit card account on my Equifax credit report that I did not open. I believe this account is the result of identity theft. I submitted a dispute to Equifax on XXXX XXXX explaining that this account was fraudulent. 

Instead of removing the account, Equifax updated the report to reflect that the account was charged off between XXXX XXXX XXXX. This has caused my credit score to drop by XXXX points. I was not contacted by XXXX or given any opportunity to respond before this negative status was added. 

I am requesting that the CFPB assist in removing this fraudulent charge-off and ensure a proper investigation is conducted in accordance with the Fair Credit Reporting Act ( FCRA ). I have supporting documents including my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: 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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On or about XX/XX/year>2023, Midland Credit Management , Inc. placed a {$700.00} collection account on my credit report and falsely identified themselves as the original creditor. I never had a direct account with Midland, and they have failed to provide any legally required documentationsuch as a signed contract, chain of custody, or proper validation of the debt. Despite multiple disputes, the tradeline remains and is now marked as disputed, but no further action has been taken to correct or remove it. This reporting is inaccurate, misleading, and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against RADIUS GLOBAL SOLUTION regarding an account I have with them XXXXXXXX XXXX XXXX XXXX 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 : RADIUS GLOBAL SOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$720.00} 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 RADIUS GLOBAL SOLUTION 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 non-monetary relief
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I paid off the debt to XXXX XXXX XXXX on XX/XX/scrub> 2025, and I have documentation confirming this payment. However, despite repeated attempts to have the information updated, the debt collector has not updated the account status with the credit bureaus. 
This is negatively affecting my credit score and does not accurately reflect my credit history.

I have contacted the debt collector directly and requested that they report the account as Paid or remove it entirely if it was charged-off and paid. So far, they have not taken action.

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 2025-06-12 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: VA

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 2025-06-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-12 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am requesting the immediate freezing of my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
Previously have used on several web sites with no success. 

Notice posted on XX/XX/XXXX the cardholder will begin eating the available funds at {$1.00} per month, if can is not used, but I seem to have no way of accessing the funds. 

XX/XX/XXXX - Have tried adding the card to XXXX XXXX, as it says I can. XXXX responds saying this is denied. 

XX/XX/XXXX - Called XXXX and entered card number when prompted. Answering system said it can not understand my input.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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