vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: OR

Complaint narrative:
Payment history is reporting I was XXXX  days late and I paid as agreed

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 2025-05-24 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-24 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:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https://www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-24 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: CO

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the credit reporting agency ( Experian ) and received no verifiable response. I 'am requesting a full investigation under The Fair Credit Reporting Act ( FCRA ) Please remove all unverifiable items.

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 2025-05-24 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:
This letter serves as a final notice before I take legal action for the unauthorized reinsertion of a deleted account and the reporting of inconsistent, inaccurate, and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
I am referring to the XXXX account number XXXX, which had been previously removed from my credit report following a dispute. Recently, this account was reinserted into my TransUnion report without providing written notice within five business days, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This alone constitutes a violation of federal law. 
But that is not the only issue. Upon review, I noticed material discrepancies between your reporting and that of XXXX, including : - Account Status : XXXX shows the account as Open, while TransUnion reports it as Closed. 
- Balance : Experian reports a balance of {$0.00}, whereas TransUnion lists {$2600.00}. 
- High Credit : Experian lists a high credit of {$0.00} ; TransUnion lists {$4500.00}. 
- Date Opened : Discrepancy between XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( TransUnion ). 
- Payment History : Experian shows no late payments, while TransUnion shows 60 and 30-day late payments in early XXXX. 
These inconsistencies directly contradict the requirement under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy and violate 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) if not properly investigated and corrected.

This misinformation has caused me real and measurable harm. I have experienced denial of credit, higher interest rates, and loss of trust with lenders. Moreover, the stress and frustration caused by this situation has had a negative impact on my well-being.

Let this letter serve as a final legal warning. I hereby demand the following : 1. Immediate and permanent deletion of the reinserted XXXX account from your records. 
XXXX. A written explanation of how and why the account was reinserted without notifying me as required. 
XXXX. Correction of all inaccurate or inconsistent data to reflect what is shown on Experian or provide documented proof to justify your data. 
If you do not fully resolve this matter within XXXX calendar days

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 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Reach Financial LLC
State: PA

Complaint narrative:
After about a year of making payments to XXXX XXXX relief, on or about the month of XX/XX/year>. They started sending me e-mails to settle my account early with " Reach Financial. '' On XX/XX/XXXX I called XXXX XXXX XXXX to see if it was actually them sending the emails. XXXX at " XXXX '' said yes, it's legit and transferred me to " Reach Finacial. '' XXXX explained to me that my account at XXXX would be resolved in 90 days and my payments to Reach would be about {$100.00} less. About XXXX XXXX, XX/XX/year>, I received and email from Reach with a video to watch. I watched the video on XX/XX/year> and something just didn't seem right. The more I thought about it, the worse off the offer seemed to be. On XX/XX/year>, I called my cousin and told him about how the offer from Reach just didn't seem right, maybe I miss understood them. How can I be charge {$25000.00} for a loan of {$27000.00}, totaling {$53000.00}. My cousin said I should call XXXX XXXX to see if I missed something. My cousin also told me the loan didn't seem right, and that I have XXXX legal days to cancel a contract. I called XXXX XXXX and asked how I cancel the loan. XXXX or XXXX told me I would have to talk with Reach and then transferred me to Reach. XXXX answered and I told her I'm confused on the high cost of said loan. She repeated the costs to me, and I said I would like to cancel the loan application. XXXX told me I could not cancel the loan. I said " so, you're refusing to cancel the loan? She said she wasn't refusing ; it was too late to cancel the loan. I told her what my cousin told me that I had XXXX days to cancel a contract, and that the XXXX days isn't over yet. She then said it was too late to cancel the loan because they had already put money in my Reach account. I said, ok, I'll call the Consumer Finacial Protection Bureau to see what they think about this. She then replied, would you like me to contact my manager to see if they will cancel the loan. I said yes please. She put me on hold for a minute, and then said she sent management an email and they would contact me by email if that would be ok with me. I said yes please. We told each other to have a nice weekend and hung up. 

I would have contacted y'all ( CFPB ) earlier today, but I left for work about XXXX XXXX  didn't get home from work until XXXX. Stressing about having to pay an awfully high bill. 

As of XX/XX/year>, I haven't heard back from Reach Finacial yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Credit cards and fraud accounts been on my name and information for many years I tried go through many complaints and still no help from the XXXX XXXX  and XXXX all have incorrectly miss spelled my name as well I need my credit to be cleared of all the fraud credit cards and labeling me as having bad credit I can't buy a house even

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-24 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX XXXX XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report, these remarks have been detrimental to my life and credit health.

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 2025-05-24 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report, these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I am sending to formally dispute the inaccurate and incomplete reporting on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and correction of the following items. 

XXXX XXXX XXXXXXXX balanced {$180.00} XXXX XXXXXXXX XXXX balanced {$3000.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I contacted Transunion on XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> regarding my other complaints with the CFPB regarding my submitted disputes. I was informed that my disputes were never processed and I need to send in my disputes again but also they could send disputes. I told them it was over 30 days and no correspondence was received and the agents continued to say we did not process your disputes because I was a company. I was the only person that submitted my disputes and personally purchased a certified notification to make sure it got to Transunion and I will place each other complaint ID for reference including a past complaint about my Transunion refusing to update and my accurate reporting on my personal information complaint and they submitted back that is was taken care of. Transunion has blocked access to include they did not investigate and only submitted documents 4 days after my complaint to the CFPB as if they investigated after speaking with the Special Handling team. They asked my disputes and dates and now I received a document as if I requested a copy of my credit report. They did this because as previously stated by multiple agents that they never even processed my dispute. Refusing to provide me with a fair dispute and investigate is illegal and Transunion thinks they are above the law and should be paying me for each violation. They continue reporting a address that does not belong to me show in proof of previous complaints and now I will disclose a photo from their letter received yesterday. They continue allowing access to my personal credit reports with security freezes. They continue reporting my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent collection accounts appearing on my consumer FICO Experian credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of : - A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 

These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-24 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: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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