vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
C

onsumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors.
In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 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 2025-08-17 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: IN

Complaint narrative:
Please follow reasonable procedures to do what is FAIR and EQUITABLE to me, the consumer. Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. 

Please see the attached documents and delete and/or update the referenced items. 

Also, The Fair Credit Reporting Act requires that you report correct personal information within my consumer report, and because the personal information is incorrect, it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act. In my FTC Report, I listed my inaccurate personal information that needs to be removed. In my dispute letter, I listed my correct information that needs to be reported. 
Anything else shall be removed 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 2025-08-17 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: IL

Complaint narrative:
twice already i asked companys politely to remove XXXX not should be on my report credit inquiries off my crdit report and they still have not done anything but send me letter stating they need my id because they cant find my credit report but yet they found my address XXXX  are invalid inquiries for which they didnt offer me credit which they can tell you which they shoud delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
twice already i asked companys politely to remove XXXX not should be on my report credit inquiries off my crdit report and they still have not done anything but send me letter stating they need my id because they cant find my credit report but yet they found my address XXXX  are invalid inquiries for which they didnt offer me credit which they can tell you which they shoud delete from my 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 2025-08-17 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: IL

Complaint narrative:
I am writing to dispute the following hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, and therefore these inquiries are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are : 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  a credit bureau XXXX only furnish my report if there is a permissible purpose. If you can not provide documented proof that I gave written authorization to these companies, you must remove these inquiries from my credit file 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
This company reported that I own money on my credit report. I had never received information in regards to this alleged debt. Not notice of assignment. Do not what they are trying to collect. Also are reporting this account as an open account on my credit reports in violation of fair credit reporting act 15 u.s.c 1681. A collection account can not be reported as an open account. I did not received any information about this accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX XXXX  XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX XXXX XXXX. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had fraud on my account where someone impersonated to be from XXXX XXXX XXXX themselves {$2000.00} out of my checking account on XX/XX/year>. 

They were able to enter my online banking change my password add themselves onto XXXX and send the money. 

I immediately contacted the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX XXXX  XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX XXXX  XXXX. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
I'm putting Experian/Transunion/ and Equifax on notice XXXX remove the delinquencies from my credit report.... they've been long gone and I have evidence, if they're not removed I'll be filing a federal lawsuit for improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
I'm putting Experian/Transunion/ and Equifax on notice XXXX remove the delinquencies from my credit report.... they've been long gone and I have evidence, if they're not removed I'll be filing a federal lawsuit for improper 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 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC
State: FL

Complaint narrative:
I was never informed anything about this account I have no idea what this account is I it's through a XXXX XXXX XXXX  or something I don't even know what that is I was never had a XXXX XXXX  account I don't know what XXXX XXXX XXXX  is would you please settle this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I am filing this CFPB complaint against the credit reporting agencies Experian, Equifax, and TransUnion to report multiple fraudulent accounts ( 12 ) and inquiries appearing on my consumer FICO credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

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 XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several unauthorized hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I am filing this CFPB complaint against the credit reporting agencies Experian, Equifax, and TransUnion to report multiple fraudulent accounts ( 12 ) and inquiries appearing on my consumer FICO credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

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 XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several unauthorized hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights.

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 2025-08-17 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:
I am filing this CFPB complaint against the credit reporting agencies Experian, Equifax, and TransUnion to report multiple fraudulent accounts ( 12 ) and inquiries appearing on my consumer FICO credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

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 XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several unauthorized hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights.

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 2025-08-17 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: MD

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX  days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX  days have passed since I submitted my complaint.

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 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear CFPB, It is the opinion of the consumer that [ TRANSWORLD SYSTEMS INC ] is willfully committing fraud while colluding with the apartment complex, The XXXX at XXXX located in XXXX, Florida. 

The [ TRANSWORLD SYSTEMS INC ] agency has been informed and provided proof that the that the consumer paid the erroneous balance due in full to XXXX at XXXX. However, to illicit undue harm to the consumer, the apartment complex sent the paid account to collection to attempt to bully her into paying more money and ruin her credit. To date the collection agency never sent written notice to the consumer advising of the debt ; even after the consumer requested it. 

After the consumer provided the proof of payment, [ TRANSWORLD SYSTEMS INC ] reported to the credit bureaus ( again ) that the consumer still owes a balance. 
The consumer vacated the apartment due to toxic mold that was making her sick. After the federal government completed an inspection on the unit and provided written documentation, the consumer moved out of the unit on XX/XX/year>. 

The apartment complex charged the consumer late rent fees, pest control, water/sewer and pest control fees for a month ( XXXX ) that she was not present. They sent her a bill for {$500.00} and the consumer paid the balance in full. 

The collection agency in collusion with the apartment complex is committing fraud. 
The consumer is requesting that the collection agency remove the debt from the consumers credit report immediately. 

Important Note : The XXXX at XXXX is owned by RPM Living Thank you for your consideration.

Company response to consumer: Closed with explanation