vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint regarding a debt that was sent to collections without proper documentation or notice. The debt is being pursued by IQ Data International ( on behalf of XXXX XXXX XXXX ) for a former apartment lease at XXXX at XXXX XXXX. I was quoted a balance of {$950.00}, and when I requested itemized proof of the charges, I was only provided with a handwritten note from the apartment, which I do not believe meets the standards for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

I attempted to resolve the issue directly with the apartment complex multiple times and never received a response or detailed breakdown of the charges. I later found out the person responsible for resident accounts had been fired and replaced, which may have impacted the documentation or process. When I received a call from a debt collector, I was pressured to pay immediately over the phone, even though I was in the middle of driving and did not have access to my financial information. The caller refused to provide me with written documentation unless I agreed to pay the debt first. 

I later received the same handwritten invoice again via email, but no formal documentation that breaks down or proves the validity of the charges. I requested a full investigation and dispute of the debt in writing and have not received a proper or timely response. 

This situation has caused me extreme stress, and I am concerned that this debt may be improperly reported to the credit bureaus without being properly validated. I am requesting that this debt be fully investigated and validated with legal, itemized documentation, and that no negative information be reported to the credit bureaus while the matter is in dispute. 

I am also requesting a formal written response from the collector addressing this issue. I am prepared to take further legal and regulatory action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IN

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws. 

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AZ

Complaint narrative:
My Cash App account was deactivated around a couple years ago. I never received a warning or explanation, and when I contacted support, I was only told that I had violated their Terms of Service. 

I recently followed up again, and they sent me a copy-paste email saying the decision is final without giving any specifics. They still wont explain what rule was violated, when it happened, or what activity triggered the ban. 

I am requesting that Cash App ( Block, Inc. ) provide : A clear explanation of what caused the ban The approximate date this activity occurred Confirmation of any funds still held in the account and a timeline for their return ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I recently discovered through my Equifax credit report that an accounts were fraudulently opened in my name at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All accounts were opened without my knowledge or authorization. At no point did I give permission for anyone to use my personal informationincluding my name, Social Security number, or any other identifying detailsto open or manage this account. 

Prior to this notice, I had no awareness of the existence of this account. I suspect that my personal information may have been compromised as a result of unauthorized access to my mailbox, which may have led to the misuse of sensitive documents. 

This letter constitutes my formal dispute of any debt or financial responsibility associated with the fraudulent account. I am not liable for any activity, charges, or transactions related to it. 

To assist with the investigation and resolution of this matter, I have included the following supporting documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of the police report Please process this dispute and take immediate action to investigate and remove any related entries from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I am filing this complaint regarding the PMI ( Private Mortgage Insurance ) on my conventional loan serviced by Freedom Mortgage. 

The loan originated on XX/XX/XXXX, and I am currently paying monthly PMI in the amount of {$58.00}. My current loan balance is approximately {$87000.00}. 

I contacted Freedom Mortgage to request PMI cancellation based on the fact that I now have 20 % equity in the home ( XXXX is 80 % or below ). However, I was informed that PMI is required for the lifetime of my loan and can not be canceled. 

Based on the Homeowners Protection Act of XXXX, I understand that PMI on conventional loans must be canceled automatically at 78 % XXXX and can be requested at 80 % XXXX, assuming payment history and other conditions are met. I believe I meet those criteria. 

Freedom Mortgage has not given me a clear or lawful reason for denying my cancellation request. I have asked for a written explanation but have not received XXXX. 

I am requesting that CFPB review this matter and ensure that Freedom Mortgage complies with federal law by evaluating my PMI cancellation request based on either the original property value or a new appraisal if necessary.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

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 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 XXXXXX/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 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
This is my second notice regarding identity theft and fraudulent activity on my credit report. I have submitted all required documents, including an FTC Identity Theft Report, government-issued ID, Social Security XXXX XXXX and proof of address. Despite this, the following fraudulent accounts remain on my file : XXXXXXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX Acct # XXXX ). I did not authorize or open these accounts. Under 15 U.S.C. 1681c2, the credit bureau is required to block this identity theftrelated information within 4 business days. That deadline has passed. Your continued failure to act is a clear violation of the FCRA and is causing serious harm to my credit and financial standing.

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 2025-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am disputing XXXX Capital One accounts that appear on my credit reports, but they do not belong to me. I contacted Capital One directly to verify which accounts are associated with my personal information. A representative from Capital One confirmed that the accounts in question are not linked to my profile or any of my information. 

However, when I disputed the accounts through Experian, they responded by stating that the information was accurate and did not remove the accounts. This contradicts what Capital One confirmed to me over the phone. 

I am requesting that these XXXX Capital One accounts be thoroughly investigated and removed from my credit report, as they are not mine and are negatively impacting my credit profile. 

Please assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a credit charge at XXXX fraudulent claims and XXXX denied due to XXXX having XXXX disclaimer stating consumers responsible for paying even if coupon not redeemed for any reason. Due to XXXX new management is now a total rip off org. w. thousands of complaints, XXXX at BBB and class action suits. They lied about retail price stating I would save if I bought a XXXX. Merchant showed me I would pay less if I did not use a XXXX. XXXX still denied dispute. XXXX ignored letters from my atty. and my requests for transaction details. XXXX emailed me to seek resolution from my bank after they told bank no refunds on unredeemed coupons even if bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I was looking at my notifications, and my credit score went down. I went to transunion, and saw I had an open account from Sequium. I called Sequium Asset Solutions. I gave them my full name and social security number. They had no accounts open with neither my ssn nor my phone number. I talk to transunion and said I can dispute it, but since I don't have a report or documents. I came here to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Ideal Collection Services, Inc.
State: GA

Complaint narrative:
I dispute the validity of this account on the grounds that there is no original creditor agreement bearing my signature, nor sufficient evidence that I am legally responsible for this debt. If the account has been sold or transferred from the original creditor, I request complete documentation proving that the current entity has the legal right to collect and report this debt under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
To Whom It May Concern, My XXXX XXXX recently experienced a XXXX decline due to the purchase of a computer for educational purposes, which I placed on my credit card with a 0 % interest rate until XXXX. I had a plan in place to settle the balance before the promotional period expired. Concurrently, my other credit card account decreased by the same amount. Upon contacting the creditor, I was informed that there was no justifiable reason for the substantial drop in my XXXX XXXX. Notably, I have an exemplary payment history, with all debts serviced in a timely manner. Regrettably, the XXXX decline led to the cancellation of my XXXX XXXX XXXX XXXX which had a XXXX balance and an impeccable payment record. I kindly request that this anomaly be rectified, as both the creditor and TransUnion have acknowledged that the drop was unwarranted. I would appreciate it if you could investigate this matter further and take corrective action to restore my XXXX XXXX. I have also had discussions with a representative from TransUnion, who concurred that the decline was unjustified. Please correct this error to reflect my accurate creditworthiness. Please also see attached documents XXXX XXXX This is with Transunion and Equifax

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