vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


XXXX XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation. 

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account # [ Insert Account Number if available ] Dear To Whom It May Concern, I am writing in response to your phone call nor letter that I never received, regarding a debt you allege I

owe. I am requesting validation of the alleged debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A copy of the original contract or other documentation showing that I agreed to assume this debt ; A complete payment history, including all charges and fees added ; Evidence that you are licensed to collect debts in my state, including your license number and registered agency name ; The name and address of the original creditor, if different from the current one.

Until you provide the requested validation, I am requesting that you cease all collection activities, including reporting this alleged debt to any credit reporting agencies, as continued collection efforts without proper validation violate the FDCPA.

Please consider this a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I disputed a collection account with XXXX XXXX XXXX that is being reported on my Experian credit file. I requested validation of the debt as allowed under the FDCPA ( 15 U.S.C. 1692g ), but no documentation has been provided. Experian has continued to report this account as verified without proper proof from the furnisher. This is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). I am requesting that this account be deleted immediately due to lack of validation and failure to properly investigate my dispute.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THEY HAVE NOT PROVIDED OR UPDATED INCORRECT 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THEY HAVE NOT PROVIDED OR UPDATED INCORRECT 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 2025-06-09 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: NC

Complaint narrative:
I am formally filing a complaint reported by XXXX XXXX. This alleged debt is being inaccurately reported as a cosmetic/other loan when in fact it stems from dental/medical services rendered at XXXX at XXXX XXXX XXXX I've requested for a copy of the original contract bearing my signature and authorizing XXXX XXXX or its agents to report to the credit bureaus, a copy of XXXX authorization proving I permitted disclosure of my dental/medical information to a third party, proof of a payment agreement, itemized balance statements, and any 1099-C cancellation of debt forms if this account was written off as a profit/loss.The nature and classification of this debt as reported to the credit bureaus, along with the reason code for misclassifying it as non-medical, which I have not yet received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am formally filing a complaint reported by XXXX XXXX. This alleged debt is being inaccurately reported as a cosmetic/other loan when in fact it stems from dental/medical services rendered at XXXX at XXXX XXXX XXXX I've requested for a copy of the original contract bearing my signature and authorizing XXXX XXXX or its agents to report to the credit bureaus, a copy of XXXX authorization proving I permitted disclosure of my dental/medical information to a third party, proof of a payment agreement, itemized balance statements, and any XXXX cancellation of debt forms if this account was written off as a profit/loss.The nature and classification of this debt as reported to the credit bureaus, along with the reason code for misclassifying it as non-medical, which I have not yet received.

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 2025-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I received a {$50.00} American Express gift card. This may sound silly but I was hoping to use it on XXXXXXXX XXXX XXXX where I went to buy in-game currency. However, I kept getting an error code and that my card was declined and that I should contact my bank. I was confused because I thought prepaid gift cards can be used immediately. After a few more attempts, it still wouldn't work. I got fed up and tried again the next morning, and yet again, it did not work. I tried again on XX/XX/XXXX. I thought it would finally work but it didn't. I went online to see what the problem may be and thought maybe I could buy XXXXXXXX XXXX XXXX gift cards on XXXX. I went on XXXX and purchased a {$25.00} XXXXXXXX XXXX XXXX gift card. I was sure that it would work this time, and it didn't. I got an email from XXXX saying that my card wasn't charged and they needed to revise my item and payment method. I was upset until I stumbled upon a XXXX  post saying that Amex gift cards are not worth it and aren't working almost anywhere. I was relieved that I wasn't the only one having this issue but I was also upset because my aunt had bought me the {$50.00} Amex gift card for my birthday and she had basically wasted her money. I'm pretty bummed out that I couldn't use the gift card my aunt got me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX IS SHOWING ACCOUNT PAID FOR LESS THAN FULL BALANCE. BUT, SHOULD BE REMOVED FROM MY REPORT PER PAYOFF AGREEMENT. THIS WAS REMOVED FROM MY REPORT BUT THEN PLACE BACK ON 4 DAYS LATER UNDER A MODIFIED NAME. I CONTACTED THE COMPANY AGAIN AND NOW THEY ARE JUST NOT RESPONDING. 

ATTACHED IS MY IDENTIFICATION, MY SOCIAL SECURITY CARD, PROOF OF ADDRESS, THE RECEIPT OF SETTLEMENT PAYOFF, PROOF OF THE REMOVAL OF THIS ITEM FORM MY TRANSUNION AND EQUIFAX REPORTS AND PROOF THAT IT REAPPERED ON MY EQUIFAX REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged that debt. Nor therefore any such debt in fact, therefore exist .. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$1400.00}, XXXX  XXXX balance {$6800.00}, XXXX XXXX balance {$2600.00}, XXXX  XXXX balance {$2700.00}, XXXX  balance {$1500.00}, XXXX  corporation balance {$160.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged that debt. Nor therefore any such debt in fact, therefore exist .. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$1400.00}, XXXX  XXXX balance {$6800.00}, XXXX XXXX balance {$2600.00}, XXXX  XXXX balance {$2700.00}, XXXX  balance {$1500.00}, XXXX  corporation balance {$160.00},

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have been told by my XXXX app my personal info has been leaked via U.S. database, XXXX and XXXX On my Equifax credit report I have multiple false Hard Inquiries. Starting with XXXX XXXXXXXX XX/XX/year> I did not apply for a new XXXX  XXXX account XX/XX/year>, I had 2 existing accounts I have had on time since the beginning of 2024 and did not apply for a 3rd XXXX  XXXX account. My most recent XXXX XXXX inquiry is inaccurate and must be deleted. 

I also do not do have any Credit related accounts with XXXX, XXXX it says I have hard inquiries. I do not do any credit or mortgage related accounts with this entity. 

These several Hard inquiries on my Equifax Credit report are not accurate and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: UT

Complaint narrative:
I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE & DESIST OF FALSE 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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've Spoken with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They all state I signed a contract receiving funds from them. Letters of verification were sent to all XXXX  days ago. No responses from any.

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 2025-06-09 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: IL

Complaint narrative:
I am a victim of identity theft. I never opened these accounts. Someone stole my identity and used it fraudulently without my permission resulting in these accounts reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I never opened these accounts. Someone stole my identity and used it fraudulently without my permission resulting in these accounts reporting 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 2025-06-09 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: NC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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 2025-06-09 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:
I asked for the original contract between me and XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX, and XXXX XXXX XXXX 

They ignored my request for over XXXX XXXX XXXX 

I would like all of those accounts removed asap! Please. 

Thank you so much for your time and for listening to my issues. 
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 2025-06-09 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 
I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I asked for the original contract between me and XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX, and XXXX XXXX XXXX 

They ignored my request for over XXXX XXXX XXXX 

I would like all of those accounts removed asap! Please. 

Thank you so much for your time and for listening to my issues. 
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 non-monetary relief
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I asked for the original contract between me and XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX, and XXXX XXXX XXXX 

They ignored my request for over XXXX XXXX XXXX 

I would like all of those accounts removed asap! Please. 

Thank you so much for your time and for listening to my issues. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
b"I recently viewed my Consumer Report and noticed several Inaccuracies. ADRESSES THAT ARE NOT ASSOCIATED WITH ME; UNAUTHORIZED\nINQUIRIES, ACCOUNTS AND PUBLIC RECORDS INFORMATION THAT SHOULD NOT BE REPORTING ON MY CONSUMER REPORT.\nUNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shouldn't be reporting on Transunion. U\nNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-09 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:
b"I recently viewed my Consumer Report and noticed several Inaccuracies. ADRESSES THAT ARE NOT ASSOCIATED WITH ME; UNAUTHORIZED\nINQUIRIES, ACCOUNTS AND PUBLIC RECORDS INFORMATION THAT SHOULD NOT BE REPORTING ON MY CONSUMER REPORT.\nUNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shouldn't be reporting on Transunion. U\nNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief