vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
The company let me know the address and phone number they had on file due to the identity theft and I told them that I never lived in the address or phone number that have on file. They said that I would get a letter about fraud but I have not received the letter. I gave them my address and phone number to send

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 2025-05-08 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: TX

Complaint narrative:
My credit report contains accounts that are not mine and appear to be the result of mixed or inaccurate reportingpossibly tied to someone elses file. These errors are not only damaging my credit score but also compounding my ongoing concerns about identity theft. Ive done my part to maintain a clean credit history, so this situation is unacceptable and violates my rights as a consumer.

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 2025-05-08 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This is my final demand regarding my account. Based on your companys publicly filed documents with the U.S. Securities and Exchange Commission ( SEC ) including Forms ABS-15G, 10-K, and 8-Kit is evident that the alleged auto loan tied to my name has been securitized and transferred into a trust. Therefore, GM Financial is not the lawful owner of the debt, and your continued collection and credit reporting activity is deceptive, unlawful, and a violation of federal law. 

Specifically, your actions violate the following federal statutes : FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character or legal status of the debt FCRA, 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information TILA, 15 U.S.C. 1641 ( g ) Failing to disclose the transfer of ownership of the obligation Your failure to correct these violations has caused significant harm to my credit profile, financial standing, and emotional well-being. I am formally demanding : 1. Immediate deletion of this account from all consumer credit reporting agencies 2. A full refund of all payments collected on the securitized account 3. Written confirmation that GM Financial does not legally own or have enforcement rights to the alleged debt 4. Monetary compensation in the amount of {$4000.00} for damages as permitted under FDCPA and FCRA Please be advised that I have retained legal counsel and will proceed with litigation without further notice should these matters remain unresolved. Your failure to comply within 10 business days will result in formal complaints being filed with Federal Trade Commission ( FTC ), State Attorney General, and a lawsuit seeking statutory, actual, and punitive damages, in addition to legal fees. 

This is your final opportunity to correct the record before escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am writing to formally dispute and seek correction of a negative mark on my credit report, which appears to be the result of a medical bill that was never supposed to impact my XXXX XXXX XXXX XXXX account. I believe the reporting of this item may violate several consumer protection laws, including : XXXX. Fair Credit Reporting Act ( XXXX  ) Under the FCRA, credit bureaus are required to ensure the accuracy and completeness of the information they report. If a medical bill was inaccurately or prematurely reported as delinquent, or if the reporting occurred without proper investigation, this may constitute a violation of the FCRA. 
XXXX. No Surprises Act/ CARES Act Guidelines Recent regulations and policies, including changes under the No Surprises Act and credit reporting reforms by the major bureaus, limit how and when unpaid medical debt can appear on credit reports. In many cases, medical debts must be at least XXXX  days delinquent before they are reported, and paid or settled medical debt should be removed. If these timelines or conditions were not followed, that may be another violation. 
XXXX. Fair Debt Collection Practices Act ( XXXX  ) If any third-party debt XXXX were involved in the medical debt and they misrepresented the nature or legal status of the debt, or if they failed to validate the debt upon request, this would violate the FDCPA. Additionally, the presence of this negative item has had an unfair adverse impact on my XXXX XXXX account, which I have otherwise managed responsibly. I never authorized or expected my account with XXXX XXXX to be affected by a medical billing issue, especially XXXX that may  have been reported in error or prematurely. I respectfully request a full investigation and removal of any inaccurate information related to this issue from my credit report. Please provide written confirmation of your findings and any actions taken.

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 2025-05-08 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: GA

Complaint narrative:
I am writing to formally dispute and seek correction of a negative mark on my credit report, which appears to be the result of a medical bill that was never supposed to impact my XXXX XXXX XXXX XXXX account. I believe the reporting of this item may violate several consumer protection laws, including : XXXX. Fair Credit Reporting Act ( XXXX  ) Under the FCRA, credit bureaus are required to ensure the accuracy and completeness of the information they report. If a medical bill was inaccurately or prematurely reported as delinquent, or if the reporting occurred without proper investigation, this may constitute a violation of the FCRA. 
XXXX. No Surprises Act/ CARES Act Guidelines Recent regulations and policies, including changes under the No Surprises Act and credit reporting reforms by the major bureaus, limit how and when unpaid medical debt can appear on credit reports. In many cases, medical debts must be at least XXXX  days delinquent before they are reported, and paid or settled medical debt should be removed. If these timelines or conditions were not followed, that may be another violation. 
XXXX. Fair Debt Collection Practices Act ( XXXX  ) If any third-party debt XXXX were involved in the medical debt and they misrepresented the nature or legal status of the debt, or if they failed to validate the debt upon request, this would violate the FDCPA. Additionally, the presence of this negative item has had an unfair adverse impact on my XXXX XXXX account, which I have otherwise managed responsibly. I never authorized or expected my account with XXXX XXXX to be affected by a medical billing issue, especially XXXX that may  have been reported in error or prematurely. I respectfully request a full investigation and removal of any inaccurate information related to this issue from my credit report. Please provide written confirmation of your findings and any actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-05-08 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-08 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that Experian provide a clear and documented response regarding whether or not it supplied the civil court record that XXXX reported on my tenant screening report. 

Specifically, I request the following : Confirmation or denial that Experian shared the referenced civil court record with XXXX or any affiliate. 

If Experian did not provide this information, a statement confirming that no such data exists within my Experian credit file. 

If Experian did share the information, a copy of the exact data record shared and the date it was accessed or delivered to XXXX. 

A full audit trail of any third-party access to my Experian credit file by XXXX or its partners. 

This request is made under the Fair Credit Reporting Act ( FCRA ), and I am submitting it through the Consumer Financial Protection Bureau ( CFPB ) for transparency, compliance, and regulatory tracking. Please respond directly through this CFPB complaint portal. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I would like to request a correction to the inaccurate information on my credit report, as LVNV Funding LLC is incorrectly identified as my original creditor on my XXXX report, and my XXXX report contains conflicting information, stating that I owe them money, when the truth is that XXXX XXXX is my original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: PA

Complaint narrative:
I received a notification on my credit report indicating that I.Q. Data International placed a debt collection for {$1900.00}, listing XXXX  XXXX as the creditor. I immediately inquired about this debt, as I did not recognize it and believed it to be inaccurate. Neither I.Q. XXXX XXXX nor XXXX  XXXX was able to provide any proof or documentation validating the debt. Despite making multiple attempts to resolve the matter and request verification, I received no resolution. The negative reporting caused my XXXX XXXX to drop by XXXX points. In order to prevent further damage to my credit profile, I paid the debtdespite still believing it was invalid. XXXX XXXX, General Manager of XXXX   XXXX XXXX XXXX XXXX XXXX, later informed me that the debt had been submitted by the prior management company. He acknowledged that my lease ended on XX/XX/year>, and requested email confirmation of my move-out, which I provided. XXXX XXXX assured me that once his Director returned from vacation the following week, he would resolve the matter and process a reimbursement. It has now been over two weeks since that assurance, and I have received no follow-up, no response to my emails, no reimbursement, and the inaccurate collection remains on my credit report. After exhausting all efforts to resolve this issue directly with the management company, I am filing this formal complaint.

Company response to consumer: Closed with explanation