vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
To begin, I would like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! 

I DO NOT AUTHORIZE you to misreport any misinformation now or ever. Please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 


XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This charge-off account shows a {$32000.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.

CAPITALONE Date of inquiry : 01/30/2023 - Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave this company any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-22 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: VA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax due to their ongoing failure to address my disputes and ensure accurate reporting of a XXXX XXXX bankruptcy on my credit report, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I previously mailed a dispute letter to Equifax on XX/XX/XXXX, requesting the removal of the bankruptcy ( Public Record - XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), but Equifax failed to resolve the issue. On XX/XX/XXXX, I am mailing another dispute letter to Equifax, demanding the removal of this inaccurate bankruptcy with the following discrepancies : Equifax reports the court name as XXXX XXXX XXXX which is unrecognizable, while XXXX lists it as XXXX XXXXXXXX - XXXX XXXX XXXX the reference number XXXX reported by both Equifax and XXXX is incorrect, as official court records ( XXXX XXXX show it as XXXX ; Equifax omits the dismissal date of XX/XX/XXXX, which XXXX XXXX, and leaves the liability amount blank ; XXXX XXXX the joint filer as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but XXXX reports only XXXX XXXX XXXX XXXX Equifax shows the county as XXXX XXXX XXXX while XXXX  lists XXXXI XXXX and XXXX inaccurately states XXXX Represented By Attorney : No, whereas XXXX confirms representation by XXXX XXXX XXXX XXXX Equifaxs failure to correct these inaccuracies, despite my prior disputes, continues to cause me significant harm by misrepresenting my creditworthiness and affecting my ability to apply for credit, violating FCRA Sections 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Aligned Company DBA Extra
State: GA

Complaint narrative:
company called extra address at XXXX XXXX fl XXXX XXXX XXXX  new york XXXX placed 2 late payments on my credit report on XXXX and XXXX of XXXX i am a victim of identity fraud I'm requesting this account be removed from my credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
i am a victim of identity fraud from XXXX through Transworld collection XXXX XX/XX/XXXX. i reached out to XXXX multiple times each time ive been told to contact Transworld i have a dispute submitted since XX/XX/XXXX with no movement I'm requesting for this to be removed from my XXXX XXXX XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-22 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: MD

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Information from 3rd party unknown companies is not correct, reporting balances on charge off or closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: DC

Complaint narrative:
Information from 3rd party unknown companies is not correct, reporting balances on charge off or closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: IN

Complaint narrative:
On XX/XX/year>, I transferred {$500.00} in digital currency ( XXXXXXXX XXXX XXXX  ) from my XXXX wallet to my new Kraken account ( account # XXXX / transaction # XXXX ). Kraken supplied a XXXX code that I scanned to route the funds to my account. After waiting for a few hours for the transaction to go through, I reached out to support. They told me that XXXX uses the XXXX XXXX XXXXor this token, while kraken uses the XXXXXXXX XXXX. They said they could help but it would take a lot of work so they refuse to credit the funds. Ive heard of others that have done the same with other tokens and Kraken was able to help them recover the transfer. This was misleading since they gave me the XXXX code to scan.

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 2025-05-22 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:
The three major credit reporting agencies are reporting unauthorized fraudulent accounts and hard inquiries on my 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 explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I have been mailing dispute letters approximately every 40 days for the past five months. I asked the creditors to verify the debt on my credit profile each time. I asked for the original purchase agreement and an assignment contract between the original creditor and the third-party debt collector. I also asked for a 1099-C Form if the account was charged off. I am entitled to request these documents under the Fair Credit Reporting Act. The creditors and third-party debt collectors have refused to provide me with this information. The only thing they are doing is sending me old billing statements. An old billing statements is not sufficient evidence to verify any debts on my credit report. This has been going on for months now. Just old billing statements every month, this is not sufficient evidence under 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I sent a Certified Debt Validation letter to MCA Management Company on XX/XX/scrub>/2025. Included in the letter was me requesting information regarding debt that they claim I owe. I requested the information below : The assignment contract between MCA Management Company and the original creditor proving their legal right to collect this debt. 


A detailed explanation of what the money you claim I owe is for. Please show and explain the calculation of the amount owed. 


Copies of any documents/My Signature that show I agreed to pay the amount you claim I owe including the original credit agreement. 


A verification or copy of any judgment, if applicable, confirming the validity of this debt. 


Identification of the original creditor, confirming they authorized MCA Management Company to collect on this debt. 


A detailed account history showing any charges, payments, interest, and late fees associated with this debt. 

According to the law, they should have responded in 30 days which they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I filed for XXXX XXXX XXXXankruptcy on XX/XX/year>2024, and my debts were fully discharged. 
on XX/XX/year>2024 in the XXXX XXXX XXXX Michigan Bankruptcy XXXX, Case Number XXXX. 

Despite this, there are some creditors that are still inaccurately reporting debts on my credit reports as active, charged-off, delinquent, or in collections.

This inaccurate reporting violates : - 11 U.S.C. 524 ( a ) ( 2 ) : the bankruptcy discharge injunction - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition against furnishing inaccurate information - 15 U.S.C. 1681i ( a ) : requirement for reinvestigation of disputed information I have already sent formal disputes to the creditors and all three credit bureaus, including my discharge papers and schedules. The accounts remain uncorrected, which is impacting my ability to rebuild my financial life post-bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX at Transworld systems inc, regarding a debt I owe to the College of XXXX XXXX, which was sent to collections. 

This debt originated in the Fall XXXX term. Due to significant economic hardship, I was unable to make payments at the time. I proactively communicated this situation to the collection agency and was told I could begin making payments when I was financially stable. 

As of XX/XX/XXXX, the total balance owed was {$1700.00}. However, on XX/XX/XXXX, a new document was issued showing an additional charge of {$370.00} in fees. No prior notice or written breakdown of these fees was provided, despite my requests. When I contacted the agency, they refused to explain the nature of these fees or provide any documentation, and they are unwilling to remove or reduce the charges. 

I am ready and willing to pay the original amount owed, but I believe these added fees are unjust and discriminatory, especially considering my documented financial hardship and prior communication. It feels as though I am being penalized simply for being in poverty which contradicts fair and ethical debt collection practices. 

I respectfully request the CFPB to investigate this matter, ensure transparency, and hold the agency accountable for any unfair treatment or violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your attention and support. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 want my credit report to only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. Hope you can address this soon to prevent further damage, please.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
* * [ XXXX XXXX ] * * XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Pa XXXX XXXX SSN : XXXX * * XXXX * ExperianXX/XX/XXXXXXXX XXXX, XXXX, TX XXXX Subject : Dispute of Fraudulent XXXX XXXX Account Identity Theft I am writing to formally dispute a fraudulent account reported on my credit report. The account details are as follows : - * * Company/Organization : * * XXXX XXXX XXXX XXXX * Account Number : XX/XX/XXXXDate Fraud Discovered : * * XX/XX/XXXX - * * Date of Dispute : * * XX/XX/XXXX - * * Total Fraudulent Amount : * * {$330.00} This account is not authorized by me and is a result of identity theft. I have attached a copy of the FTC Identity Theft Report for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be removed from my credit report immediately. Please conduct an investigation and delete this account from my credit history to reflect my true credit profile.

Under 15 U.S.C. 1681c-2 ( a ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receipt of this notice.

I kindly request written confirmation once this matter has been resolved.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX * * Attachments : * * - FTC Identity Theft 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 explanation