vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. EXPERIAN REPORTING A SCORE OF 594, TRANSUNION REPORTING A SCORE OF 592, AND EQUIFAX REPORTING A SCORE OF 704. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information.

I paid off over {$3500.00} in loans off and EQUIFAX dropped my score.

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. EXIST. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid 750 's. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. EXPERIAN REPORTING A SCORE OF 594, TRANSUNION REPORTING A SCORE OF 592, AND EQUIFAX REPORTING A SCORE OF 704. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information.

I paid off over {$3500.00} in loans off and EQUIFAX dropped my score.

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. EXIST. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid 750 's. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
I am filing a new complaint against XXXX XXXX XXXX XXXX for continued violations of the Fair Credit Reporting Act ( FCRA ) and intentional damage to my credit report. Despite previous disputes and a prior CFPB case, XXXX has continued to manipulate and re-age my payment history in a way that is misleading, harmful, and legally noncompliant. 

Recently, the company updated my payment history on the charged-off auto loan account to reflect additional late payments, two repossession notations, and a revised timeline of delinquency that escalates the derogatory reporting even though the account was charged off in XX/XX/XXXX. 

This update includes : Changing XX/XX/XXXX from Unknown to 30 Days Late Reporting two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Labeling the account as Current in XX/XX/XXXX and XX/XX/XXXX despite surrounding lates Continuing to update the account as recently as XX/XX/XXXX These actions are not corrections they are re-aging and re-reporting derogatory activity to maximize the negative impact on my credit, a clear violation of FCRA 623 ( a ) ( 5 ).

Additionally : The account is listed as both charged off and {$5000.00} past due, which is inaccurate and misleading I have never received full debt validation from XXXX collection partners, violating FDCPA 809 The account continues to appear active and report current updates, despite being resolved over 3 years ago These violations have caused me serious harm, including rejection for a mortgage, inflated interest rates, and emotional distress. I am requesting regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute an inaccurate item being reported on my credit report. The account listed below is being reported with an incorrect date opened across all three credit bureaus. This error constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to consumer reporting agencies be complete and accurate. 


Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Information : Date Opened Inaccurate Reported Date Opened : XX/XX/XXXX, XX/XX/XXXX Correct Date Opened : XX/XX/XXXX This error materially affects the age of the account and overall credit history. I have included supporting documentation clearly showing the correct date the account was opened, including : A copy of the original account opening confirmation or agreement from the creditor Correspondence from the creditor verifying the original account opening date Since the reported " date opened '' is demonstrably inaccurate, and such misinformation can significantly impact my creditworthiness, I respectfully request the following : Deletion of the account from my credit report, as required by the FCRA. 

Please provide written confirmation of the outcome of your reinvestigation within the XXXX period mandated by law. I also request an updated copy of my credit report reflecting the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
These inquiries showed up on my credit report. I have contacted all the creditors and received letters. Please see attached letters and ftc report 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 2025-05-18 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been affected by multiple data breaches. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXCITI, XXXXCBNA CARD My Name is XXXX XXXX any other name should be deleted. This is my only address that should be there XXXX XXXX XXXX XXXX any other addresses I am not associated with and should be removed.

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 2025-05-19 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: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been affected by multiple data breaches. XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXMy Name is XXXX XXXX any other name should be deleted. This is my only address that should be there XXXX XXXX XXXXXX/XX/XXXXany other addresses I am not associated with and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
Recently, I did some investigation on my credit report and found some items that are in accurate.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$790.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX account opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-05-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, states I have rights to privacy. 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct and verified.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and challenge the response submitted by XXXX to my prior complaint regarding the unlawful exposure of my personally identifiable information ( PII ) through their publicly acknowledged data breach. Despite their claims of compliance, XXXXXXXX XXXX failure to implement reasonable data safeguards has led to the compromise of my sensitive data and poses an ongoing threat to my financial safety and privacy. 

Contrary to XXXX assertion that it has not engaged in any activities that would expose data through unauthorized or unlawful means, it is publicly documented that XXXX was responsible for a significant cybersecurity breach affecting over XXXX XXXX borrowers, including myself. This event has been widely covered and acknowledged, and XXXX remains liable under federal law for the resulting exposure and mishandling of borrower information. 

Legal Violations : Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) XXXX XXXXXXXX failed to maintain adequate security protocols required to protect consumer financial information. 
Privacy Act of 1974 ( 5 U.S.C. 552a ) : As a federal contractor, XXXX is obligated to maintain secure systems to safeguard personal data and can be held liable for failure to do so. 
Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Continued reporting of disputed and potentially fraudulent debt that stems from compromised accounts violates my right to an accurate credit profile. 
Federal Information Security Modernization Act ( FISMA ) : XXXX failure to uphold cybersecurity compliance under its contract with the Department of Education directly violates FISMA. 
State Breach Notification Laws : XXXX failed to provide adequate notification and consumer support under state data breach statutes.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is a formal complaint against Midland Credit Management ( MCM ) for its illegal attempt to collect and report an unvalidated debt, violating multiple federal consumer protection laws. 

Despite a written validation request sent on XX/XX/XXXX, MCM failed to provide any of the following : A signed agreement bearing my signature ; Proof of ownership or assignment from the original creditor ; Itemized statements of charges ; Legal right to collect or sue in Michigan. 

Yet, MCM continues to report this alleged debt to the credit bureaus and pursue legal collection, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations : FDCPA 15 U.S.C. 1692g ( b ) : MCM is required to cease collection until validation is provided. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that all collection activity must stop until proper validation is delivered. 

FDCPA 15 U.S.C. 1692e : MCM is misrepresenting the legal status of the debt by reporting it to credit bureaus and pursuing legal action without proper documentation. This is deceptive under 1692e ( 2 ) ( A ).

FCRA 15 U.S.C. 1681s-2 : Furnishing inaccurate information to credit bureaus after receiving a dispute is a violation of the FCRA. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), furnishers must investigate disputes thoroughly and report only accurate data. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : Debt buyers must prove the existence and terms of the original agreement. MCM has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was told by a company that I was looking for funding that a soft credit would be done and they pulled a hard report. I contacted the company and the had my sign a letter stating That I requested the report to be removed, but it has been now 2 months and its still on my report.

Company response to consumer: Closed with explanation