vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed phone numbers that are my soon to be ex husbands as contact information that re-appears. I have disputed his name as co-signer on my credit cards! I have never authorized him as co signer and have placed freezes on all 3 credit bureaus. None are showing freezes. There are judgements that I did not know about until yesterday dated back to XX/XX/year> and others I have paid off. I had all of the information documented with dates and my husband has removed all documentation that I had. He is a thief and big time credit card fraud and identity theft person. XXXX XXXX there is a chase bank judgement for {$16000.00} that is not mine from 2010

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 2025-06-27 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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:
The bureaus are reporting conflicting and inaccurate data in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : Different open/closed/last activity dates Incorrect payment history Incomplete account remarks Lack of verification or monthly reporting Ive submitted letters to TransUnion, Equifax, and XXXX  , plus a highlighted screenshot of the errors. This account has not been properly verified and should be removed unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve this.

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 2025-06-27 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:
The bureaus are reporting conflicting and inaccurate data in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : Different open/closed/last activity dates Incorrect payment history Incomplete account remarks Lack of verification or monthly reporting Ive submitted letters to TransUnion, Equifax, and Experian , plus a highlighted screenshot of the errors. This account has not been properly verified and should be removed unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve this.

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 2025-06-27 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file, in accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 1681e ( b ) ( Reasonable procedures to ensure maximum possible accuracy ). 

Upon reviewing my credit report, I found the following account to be inaccurate, unverifiable, and reported inconsistently across different credit bureaus : -Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
On XX/XX/XXXX, I was informed by my XXXX XXXX XXXX that I had an active collection. The original creditor is from the XXXX XXXX XXXX XXXX XXXX '' for {$600.00}. The collection agency of that debt is Rent Recovery Solutions. I called them that same day for more information. The address for the apartment is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Texas XXXX. The charge of {$600.00} are accumulated fees from XXXX XX/XX/year>. The itemized list is {$450.00} from property damages, {$10.00} for lost remote control, and {$140.00} for 10 days of late rent. The agency provided me with the names on the lease, XXXX XXXX and XXXX XXXX. As well as, how I am associated with this collection. During the application for the apartment, my social security number was used but the name on the card was fabricated to match XXXX 's license. Since, I did not apply or live in Texas, I did not receive a notification of this collection until I attempted to apply for a loan this past XXXX. I have zero relation to the lease holders and owners of this collection. I have been living in the same state since birth. Rent Recovery 's Agent, XXXX, agreed to place this collection as a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureaus are reporting conflicting and inaccurate data in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : Different open/closed/last activity dates Incorrect payment history Incomplete account remarks Lack of verification or monthly reporting Ive submitted letters to TransUnion, XXXX and Experian , plus a highlighted screenshot of the errors. This account has not been properly verified and should be removed unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve this.

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 2025-06-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-06-27 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: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts in any form. This is a serious and unacceptable breach that misrepresents my financial history and undermines the integrity of my credit report. 
I take the accuracy of my credit profile extremely seriously. The presence of these unauthorized accounts has caused significant distress and raises immediate concerns about potential identity theft or reporting misconduct. I require a full explanation of how these accounts came to be associated with my file and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts in any form. This is a serious and unacceptable breach that misrepresents my financial history and undermines the integrity of my credit report. 
I take the accuracy of my credit profile extremely seriously. The presence of these unauthorized accounts has caused significant distress and raises immediate concerns about potential identity theft or reporting misconduct. I require a full explanation of how these accounts came to be associated with my file and who is responsible for reporting them.

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 2025-06-27 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 non-monetary relief
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit profile and credit score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored the inquiries remain. This failure to take corrective action is entirely unacceptable. 
The continued presence of these unauthorized and potentially fraudulent entries is deeply concerning and raises serious concerns about identity theft. Your agencys inaction is contributing to ongoing emotional distress and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 non-monetary relief
Consumer complaint received 2025-06-27 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: AK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the XXXX Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: WI

Complaint narrative:
American First finance out of Texas was contacted by me multiple times asking for monthly paper statements which after requesting those and being denied them multiple times I looked up if that was my right. I ended up doing my research realizing that was breaching my rights and If requested I need to be provided copies via paper even if it was at a fee. I proceeded to ask the finance company if in their contract it stated that they wouldn't do paper billing they replied with no it didn't. I got transferred to tons of different employees who didn't know what was going on. I paid threw a debit card one time online but dont typically pay my bills that way and dont keep money on cards and after seeing that they weren't recording the payments and showing the balance before and after my payments and only showing what I paid I requested those paper monthly statements which should show an overall balance. I also was rushed threw paperwork from the buisness they support and everything was docusign without my actual signature so I believe they skipped threw some pages without my knowledge one being something that stated after a certain amount of time the loan would increase by over {$1000.00}. They proceeded to turn me to a collections company and the collections company stated to send proof to them to dispute it and why. I proceeded to do that and the collections company never picked it up because they knew they breached my financial rights after I sent proof of my claims. Now I have it on my credit report that American First XXXX has me in collections even after I reached out to them more then one time. The collections company had to stop any collections if i replied to them by XX/XX/year> The debt collector was XXXX XXXX I can provided proof of these screenshots if needed. I've been working hard to improve my credit and they just took me down to a XXXX. 
The overall debate after they added money to my loan without my knowledge is {$3100.00} I also tried settling at a lesser amount and never got contacted back when I called. I never ended up receiving the contract until months later when I contacted them requesting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
The bureaus are reporting XXXX XXXX  conflicting and inaccurate data XXXX XXXX in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : - Different open/closed/last activity dates- Incorrect payment history - Incomplete account remarks - Lack of verification or monthly reporting I have included detailed letters to TransUnion, Equifax, and Experian , along with a highlighted screenshot of the errors.

This account has not been properly verified and should be XXXX XXXX removed XXXX XXXX unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve this.

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 2025-06-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-27 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: Self Financial Inc.
State: FL

Complaint narrative:
The following accounts were fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize any of these accounts. After filing proper disputes and submitting documentation, XXXX XXXX XXXX XXXXemoved these accounts from my credit file. However, XXXX has refused to remove them, stating that they require the creditors to initiate the removaldespite the requirements outlined under the Fair Credit Reporting Act ( FCRA ), which obligates them to investigate and delete inaccurate or fraudulent information. 

All supporting documents have been submitted, including an identity theft affidavit. These accounts are not mine and are negatively impacting my credit.

Company response to consumer: Closed with explanation