vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I check my credit report I and see some thing not my, that will unfair to me : 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, Iam demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( open XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( open 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts contain late payments that I believe are either inaccurate, unverifiable, or should be removed based on goodwill : XXXX XXXX ( Account opened XX/XX/XXXX ) Status : 120+ Days Late Please verify the accuracy and complete payment history. If accurate, I request a goodwill adjustment due to extenuating circumstances during that period. 

XXXX  XXXX ( Closed XX/XX/XXXX ) Status : 120+ Days Late Dispute resolved reported by grantor. I request removal based on goodwill or deletion of any reporting errors. 

XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Status : XXXX Days Late This account was settled and is now paid. Please investigate and remove any inaccuracies or provide complete verification. 

XXXX XXXX XXXX  ( Closed XX/XX/XXXX ) Status : 6089 Days Late I request verification and, if confirmed, a goodwill deletion due to financial hardship at the time.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>, from XXXX XXXXXXXX XXXX XXXX XX/XX/year>, from XXXX XXXXXXXX XXXX XXXX XX/XX/year>, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, from XXXX XXXX XXXXXXXX XX/XX/year>, from XXXX  XXXX XXXX XXXX XXXX XX/XX/year>, from TXXXX XXXX XXXX XXXX XX/XX/year>, from XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/year>, from XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX from XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX from XXXX Ally Financial XX/XX/year> , from XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> , from XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>, from XXXX XXXXXXXX XXXX XX/XX/year>, from XXXX XXXX XXXXXXXX XXXX XX/XX/year>, from XXXX XXXX XXXX XX/XX/year>, from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, from XXXX XXXXXXXX XXXX XXXX XX/XX/year>, from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, from XXXX XXXX XXXX XXXX XX/XX/year>, from XXXX XXXX XXXX XXXX XX/XX/year>, from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/scrub> 2024, from Experian XXXX XXXX XXXX XX/XX/scrub> 2024, from Experian XXXX XXXX XXXX XX/XX/scrub> 2024, from Experian XXXX XXXX XXXX XXXX XXXX XXXX, 2024, from Experian XXXX XXXX XX/XX/scrub> 2024, from XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub> 2024, from XXXX XXXX XXXX XXXX XX/XX/year>2024, from TXXXX XXXX XXXX XXXX XX/XX/scrub> 2024, from Experian XXXX XXXX XXXX XX/XX/scrub> 2024 , from Experian XXXX XXXX XXXX XXXXXXXX XX/XX/scrub> 2024 XXXX from Experian XXXX XXXX XXXX XX/XX/year>2024 , from Experian XXXX XXXX XX/XX/scrub> 2024 , from Experian XXXX XXXXXXXX XXXX XXXXXX/XX/scrub> 2024 , from Experian XXXX XXXX XXXX XX/XX/scrub> 2024 , from Experian XXXX XXXX XXXX XX/XX/year>2024, from Experian XXXX XXXX XX/XX/year>2024, from Experian XXXX XXXX  XXXX XX/XX/year>2024, from Experian XXXX XXXX XXXX XXXX, 2024, from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, from XXXX XXXXXXXX XXXX XXXX XX/XX/scrub> 2024, from XXXX XXXXXXXX XXXX XX/XX/year>2024, from XXXX XXXX XXXX XXXX XX/XX/year>2024, from Experian XXXX XXXX XXXX XX/XX/scrub>, 2024, from Experian

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 2025-04-25 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: AZ

Complaint narrative:
I have my Home Mortgage with XXXX XXXX, Because financial situation I asked them about mortgage assistant and they offer me to apply for their program to help Customers with this type of problems and they mention that it will not affect my credit at all during the process of approval '', I submit the my application more than a month ago and still not receiving the approval from the bank, I had call them every week since I submitted my applications and still not signs of any approval, I was never late on my payments more than 30 days since I buy my house on 2020, When I notice that my credit score drop XXXX points I call them and they said that they can not do anything about that situation, and That is the reason that I submitting this complaint, I'm so disappointed of the service and the process from 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 2025-04-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2233 Paradise Road LLC
State: MO

Complaint narrative:
On XX/XX/, 2025, I received around 30 or more emails all at once saying I was registered successfully for random state parks and government sites in States I dont live in. Along with those emails was an email from XXXX XXXX XXXX  saying I was preapproved for a loan. I just ignored it. Then a couple minutes later I received an email from XXXX XXXX XXXX  telling me to click a link to sign a loan agreement for {$1700.00}. Again, I did not click on the link. Also, this email was addressed to my maiden last name, not my current, legal, married name. I then got an email from XXXX XXXX XXXX saying my {$1700.00} loan was processed. I changed my password to my email and checked what devices my email was logged in at. Which was just my phone and laptop. So assuming it was a scam, I ignored it. A few days later I got a call from a lady from XXXX XXXX XXXX addressing me by my first name only. She was quick to say its time to setup payments to pay my loan back and she needed my last name and the last 4 digits of my social. I told her absolutely not and Id be reporting her to the police. She argued with me that I would continue to get calls until I paid it back. I then got no more calls about it. So assumed I scared off the scammer. But then over the past couple of weeks Ive been getting calls, voicemails, and text messages from XXXX saying that they are trying to collect my debt ( still referencing my maiden name ) .. one of the voicemails they tried using my maiden and married name together like they were fishing for the right info. They called my husband once looking for me as well. They would never give details in the voicemail about the loan. Just wanted me to call back. Then finally they started texting this week saying the loan is for XXXX XXXX XXXX and suddenly its over {$3000.00}. And if I pay then theyll let all 3 credit bureaus know and fix my credit score. But I froze my credit in XXXX when I was concerned about these emails being some sort of identity theft. And my credit score is nearly perfect. I never took any loan out and again they keep referencing a last name that is not my legal name and hasnt been for over 14 years. So I dont know if this is attempted identity theft or they are hunting down the wrong person. But it has to stop. I have a whole list of numbers from different area codes that they have been contacting from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-04-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: NH

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On four ( 4 ) separate occasions, I have made full payment to the account. On the three previous occurrences, Capital One required me to call my bank with them on the line to prove that the payment to Capital One had posted ( all three times my account was placed on hold and it was determined that the funds had already cleared and were paid to Capital One ). On this most recent occurrence, Capital One would not give me any specific reason ( s ) why my account was being placed on a hold - even after they confirmed the payment funds were received. I continue to make regular payments which pay off the full balance on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: RI

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 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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting a collections account on my credit since XXXX XXXX, 20223, I have made numerous attempts to reach out the creditors to have this corrected to no avail. The collection account is in the amount {$31000.00} from XXXX XXXX XXXX. I have not idea where this account came from. My personal information was leaked in the XXXX and the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit file and to request an investigation into this matter. I have reviewed my credit report and found negative entries that I believe to be inaccurate, outdated, or unverifiable.

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