vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and after reviewing my credit report, I have identified several accounts and inquiries that were not authorized or initiated by me. These entries are incorrect and do not belong on my credit file. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that the unauthorized accounts and inquiries be blocked and removed from my credit report. For your reference, I have attached a detailed list of the disputed items along with a copy of the Identity Theft Report I filed with the Federal Trade Commission ( FTC ).

I kindly ask that you take immediate action to investigate these items and remove them from my credit report at your earliest convenience. Please provide written confirmation once these corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00}

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 2025-06-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I never had a contract with this collection agency and they are not licensed in NJ to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a prepaid card at a XXXX near XXXX and XXXX. I loaded the card with {$50.00}. I bought this card XXXX XXXX XXXX at XXXX XXXX Opened the packaging that same day only to find that the third set of four numbers had been scratched out. I immediately contacted the card services email contact on the back of the card ( VanillaGift.com ). Ths card is issued by XXXX, XXXX. 

I provided all of the information asked for : my first and last name ; a picture of the front and back of the card, the packaging that the card came in, and a picture of the receipt and activation. I've gotten into the habit of saving this information until I am able to register the cards that I purchase. 

So far I have heard nothing from the company. I don't want this to be a drawn out event. I have alerted them in quick time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-06-13 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Unprofessional Conduct and Unfair Credit Reporting by XXXX XXXXXXXX XXXX Dear Equifax, And XXXX XXXX Department ], I am writing to formally express my concerns regarding recent conduct by XXXX XXXX XXXX that I believe is unprofessional and potentially intentional to negatively impact my credit report. 

Specifically, I have noticed multiple instancesapproximately six timeswhere the bank has reported my account as late, despite my consistent efforts to clarify that I was not late on those occasions. I possess proof from my credit monitoring service that confirms my account status during these periods. These repeated late reports appear to be retaliatory, stemming from a previous complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding other issues with the bank. 

It is deeply concerning that these inaccurate reports have caused a significant decrease in my credit score by XXXX points, which I believe is a result of deliberate actions rather than honest reporting. I want to emphasize that I was not late on my account intentionally, and I believe these actions are unfair and unprofessional. 

I kindly request a thorough investigation into this matter and the inaccurate credit reporting associated with my account. I trust that the bank will take appropriate corrective measures to rectify this situation and ensure that my credit report accurately reflects my account history. 
This fake credit card prepaid service went and reported late fees all over again on my credit on a close account. They reported it like five times fresh on purpose. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I contacted National Credit Adjusters to invoke the arbitration clause that exists in my original creditors agreement. I informed them that I wish to resolve this matter through binding arbitration as provided in the contract. However, NCA denied or ignored this request and has continued with collection efforts. 

This violates the terms of the original agreement and may be considered an unfair or deceptive collection practice under the FDCPA. 

I am requesting that NCA cease collection activity and either ( a ) provide proof that arbitration is not available in this matter or ( b ) proceed with arbitration as contractually required. I am also requesting that this account be removed from my credit report pending proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15 USC 1681 section 602 A states I have a right to privacy these erroneous accounts are affecting my livelihood.

15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S. Code 1681ai states you must investigate within a reasonable amount time.

15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason I have never had accounts with these companies Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Please delete these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15 USC 1681 section 602 A states I have a right to privacy these erroneous accounts are affecting my livelihood.

15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S. Code 1681ai states you must investigate within a reasonable amount time.

15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason I have never had accounts with these companies Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Please delete these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
issue. 
, Thank you for the details. Here 's a professional, clear, and concise version that incorporates your points : Subject : Urgent Request for Removal of Inaccurate and Retaliatory Credit Reporting Dear [ Recipient 's Name or Customer Service Department ], I want to clarify that I never authorized XXXX XXXX or any related agency to report any information to my credit report. My only request was a goodwill adjustment for a late payment due to a personal hardship. 

However, despite my lack of authorization, they proceeded to report negative information and, to add insult to injury, have intentionally manipulated my credit report to damage my score. This account is a credit-building agency, not a legitimate loan, and should not be negatively impacting my credit. 

I demand that this account be removed from my credit report immediately, as it has been unfairly and unlawfully reported. I also request an investigation into their conduct, as their actions appear retaliatory and malicious.omer Service Department ], I wish to inform you that I have reported Credit Strong to the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX  ( XXXX  ) due to their unfair and retaliatory practices. 

Additionally, I have recently observed new derogatory entries on my credit report within the past three days, which appear to be intentionally made in retaliation. These actions have caused my credit score to drop by XXXX points. 

I request an immediate investigation into these matters and the removal of this account and any false entries from my credit report, as they are unjustified and wrongful. 

Thank you for your prompt attention to this urgent issue. 

Thank you for your prompt attention to this matter. 

Sincerely, 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