vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts BANKCRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have XXXX  accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$140.00} Open Date XX/XX/year>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 2025-05-28 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: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I'm disputing of the debt collection notice I received on XX/XX/XXXX, regarding account number XXXX XXXX  Debt Collector Account # XXXX, purportedly representing a debt owed to Prosper. I dispute the validity of this debt in its entirety due to the existence of a valid and active Settlement Agreement with Prosper concerning the underlying loan. 

On XX/XX/XXXX, I entered into a legally binding Settlement Agreement with Prosper to resolve an outstanding balance of {$15000.00}. The terms of this agreement stipulated a reduced settlement amount of {$7500.00}, to be paid in monthly installments through XX/XX/XXXX. 

Prosper has erroneously claimed that I defaulted on the Settlement Agreement by failing to make the XX/XX/XXXX payment. This assertion is demonstrably false and without merit.

Upon receiving the collection notice, I immediately contacted Prosper on XX/XX/XXXX, to rectify this error. A Prosper representative acknowledged the potential discrepancy and requested proof of my XX/XX/XXXX payment. I promptly provided irrefutable evidence, specifically a screenshot confirming a successful payment made on XX/XX/XXXX well in advance of the scheduled due date of XX/XX/XXXX. The reference number for this communication with Prosper is XXXX. Despite this evidence, the issue remains unresolved with Prosper Support.

Furthermore, I have also documented this payment and the erroneous default claim in a response to Prosper 's feedback to the CFPB. To date, I have not received a response to this feedback, indicating a lack of due diligence on Prosper 's part.

Given the existence of the valid Settlement Agreement and the documented proof of my timely XX/XX/XXXX payment, the debt Prosper is attempting to collect is factually inaccurate and legally invalid.

I further request a thorough investigation into this matter, including a review of Prosper 's records and the evidence I have provided.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My Equifax credit report includes a previous addressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXXthat is no longer valid or relevant to my current residence. I have moved, and this outdated address is not only unnecessary but could also contribute to confusion or errors in the reporting of my accounts.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Equifax must take reasonable steps to assure maximum possible accuracy in consumer reports. The continued presence of obsolete address data not only violates this requirement but also creates a burden during a time when I am already experiencing personal and financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-05-28 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: SC

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/2002. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a credit card from XXXX Account number XXXX also the following inquiries were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief
Consumer complaint received 2025-05-28 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:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX  * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} DISCOVERCARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150000.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint against Equifax Summary : Equifax has failed to properly handle a dispute I submitted regarding a collection item from XXXX XXXX XXXX. This debt was already paid through XXXX XXXX XXXX as part of a credit card settlement. Despite submitting proof, Equifaxs investigation resulted only in a partial modification, not a full deletion or accurate update.

Details : The account is no longer visible on the credit report Equifax provided, yet the negative item is still showing as a derogatory mark and impacting my score. This is deceptive and potentially illegal under the Fair Credit Reporting Act ( FCRA ), which requires information to be complete and accurate. If an item is not on the credit report, it can not legally be counted against the consumer. 

Equifax stated they verified the debt with XXXX XXXX, but the debt had already been paid, and their reporting is misleading. I submitted a complaint before and received a vague response that additional information was added, but no complete removal or proper classification ( e.g., Settled {$0.00} Balance ) occurred.

This company is either : Keeping the debt active in the system while hiding it from the visible tradelines, or Misreporting a paid debt as current or unresolved.

I request the complete removal of the XXXX XXXX XXXX account and an official explanation of why it is still impacting my credit when it's no longer present in the report.

Requested resolution : Immediate deletion or correction of the item Explanation for why this item is affecting my credit but is not viewable on the Equifax report Review of Equifaxs reporting process for compliance with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: ProCollect, Inc.
State: TX

Complaint narrative:
This response to CFPB XXXXdoes not resolve the issues outlined in my initial complaint and fails to comply with federal and state consumer protection laws. ProCollect has still not provided the documentation required under the FDCPA and FCRA to validate this alleged debt. To be clear, I am requesting : A signed lease or contract with my signature, A full itemized breakdown of the charges, Proof of Pro Collects authority or ownership to collect on this debt. I contacted the original creditor, XXXX XXXX XXXXXXXX XXXX XXXX, and they could not verify the {$190.00} balance that ProCollect is reporting. This raises serious concerns about the accuracy and legitimacy of the alleged debt and demonstrates that the balance being claimed is unsubstantiated. ProCollect simply stating it " will mail proof '' without actually doing so does not meet legal requirements and is a delay tactic. As of today, I have not received any validation. In my original correspondence, I included a cease-and-desist notice. ProCollect continued to contact me via phone and mail after this notice, which is a direct violation of the FDCPA.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I submitted a complaint on XX/XX/XXXX because every time I called kia about my XXXX deferment that was ending, it would say " Hello XXXX '' after recognizing my number, and then when it would ask me for my social, it would say " we cant find your account please verify the information and call back '' and then it would hang up on me. A CARE Representative contacted me on XX/XX/XXXX. She and I did a three-way call to kia finance and she saw the issue and said she would speak to tech support to get it resolved. I never heard back from her again. In the meantime, my autopay was set back up for the XXXX of XXXX ( when payments resume ) and the next payment was set to come out on XX/XX/XXXX. Well not only did they NEVER fix this issue that seemingly occured AFTER my account went into deferment status, they also returned my payment TODAY and sent me an email that they returned it due to not being able to " find my account ''!!!!!!!!!!!!!!! It returned the payment and charged me a late fee!!! I HAVE NEVER been late on this account now i have a late payment because my account STILL ISNT FIXED FROM THE DEFERRMENT! On XX/XX/XXXX we spoke, and the representative told me that this was going to be corrected with the technical support team, and she would find out why it kept saying it couldn't find my account despite knowing my name and social number. She said on the XXXX, that it would be corrected and now my payment has been returned due to them " not being able to find my account ''. She told me I could still use my account online which I have been doing and this is how I am making payments. I called back the number she gave me and it sends me to an offshore representatives who keeps saying Im 7 days late on my account, doesnt understand A WORD I am saying, not matter how slowly I speak for her. I am not late!!! I PAID it on Autopay!!!! She asked me to submit another payment and i told her if I do that it will just return the payment again!!!!! Something happened with my account after the deferment was processed!!!! When I called in today they couldnt even find me by social!!! So its even worse than before!!!!!!!!! MY husband is tied to this vehicle too and this can affect both of our credit!!!!!! we were not late!!! we paid it on time!!!! kia returning the payment because of their mistake with our account is not our fault!!!!

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The amex charged annual fee {$690.00} on XX/XX/XXXX of my platinum card and the card was closed on XX/XX/XXXX. Normally the annual fee would be refunded within 30 days of the annual fee was posted if the card is closed. However, amex has not refunded my annual fee. Contact the company and the representatives were not able to refund from their side. They need me to make a payment first to avoid late fee and hold my money there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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