vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-01 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-01 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: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion for failure to delete fraudulent inquiries from my credit file, despite the submission of an FTC Identity Theft Report ( # XXXX ). 

Under 15 U.S.C. 1681c-2, TransUnion is obligated to block identity theftrelated information within four business days of receiving valid proof. Despite my original dispute, the following unauthorized inquiries remain on my credit report : Inquiries to Be Deleted : 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 These inquiries were not authorized by me and violate : 15 U.S.C. 1681b, 1681c-2, 1681e ( b ), 1681i ( 7 ), 609 ( a ) ( 1 ) ( A ) TILA 15 U.S.C. 1601 FDCPA 1692g, 1692a I Never Received : Proof I signed disclosure/authorization Details of the investigation Investigator contact information

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 2025-05-01 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 XXXX XXXX XXXX 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 2025-05-01 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: MI

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-01 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: MI

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-01 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: NY

Complaint narrative:
Subject : Formal Dispute and Request for Deletion of Inaccurate Charged-Off Account Dear [ CFPB ], I am writing to dispute the continued reporting of the following account, which was charged off in XX/XX/year>. Despite the charge-off date, the account below has been repeatedly updated each month as " charged off, '' creating the appearance of an active payment history. Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone number ( XXXX ) XXXX. 

This practice is inaccurate and misleading. A charged-off account should not reflect ongoing monthly updates in the payment history, as it implies continued activity on an account that is no longer active. This incorrect reporting may falsely extend or reset the statute of limitations, which is a serious concern. 

Your failure to properly investigate this account and correct the reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Due to the repeated and inaccurate reporting, I am formally demanding the deletion of this account from my credit report. 

Please confirm receipt of this dispute and provide written confirmation once the account has been removed. 

Sincerely, 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 2025-05-01 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: NY

Complaint narrative:
Subject : Formal Dispute and Request for Deletion of Inaccurate Charged-Off Account Dear [ CFPB ], I am writing to dispute the continued reporting of the following account, which was charged off in XX/XX/year>. Despite the charge-off date, the account below has been repeatedly updated each month as " charged off, '' creating the appearance of an active payment history. Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone number ( XXXX ) XXXX. 

This practice is inaccurate and misleading. A charged-off account should not reflect ongoing monthly updates in the payment history, as it implies continued activity on an account that is no longer active. This incorrect reporting may falsely extend or reset the statute of limitations, which is a serious concern. 

Your failure to properly investigate this account and correct the reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Due to the repeated and inaccurate reporting, I am formally demanding the deletion of this account from my credit report. 

Please confirm receipt of this dispute and provide written confirmation once the account has been removed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX has put a Medical Debt onto my credit report. Both Experian and Equifax have my medical debt on their credit reports. The debt is from an emergency medical procedure. I am a XXXX Veteran. The Veteran 's Administration pays for all of my emergency medical treatment. The doctor 's office that sold this debt did so after repeatedly failing to properly bill it to the VA. The Veteran 's Administration paid for all other medical bills involving this treatment. If this agency would bill this amount properly to the VA, they will still pay for this. Other than that, it is my understanding that these credit bureaus are no longer allowed to add my medical debt to their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
COLLECTION MANAGEMENT CO has put a Medical Debt onto my credit report. Both Experian and Equifax have my medical debt on their credit reports. The debt is from an emergency medical procedure. I am a XXXX Veteran. The Veteran 's Administration pays for all of my emergency medical treatment. The doctor 's office that sold this debt did so after repeatedly failing to properly bill it to the VA. The Veteran 's Administration paid for all other medical bills involving this treatment. If this agency would bill this amount properly to the VA, they will still pay for this. Other than that, it is my understanding that these credit bureaus are no longer allowed to add my medical debt to their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Colony Brands, Inc.
State: DE

Complaint narrative:
I REQUEST PROOF AND I HAVE NOT FROM THE 3 CREDIT BUREAS OR THE CREDITOR. SEVERAL LETTERS AND NO RESPONCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I REQUEST PROOF AND I HAVE NOT FROM THE 3 CREDIT BUREAS OR THE CREDITOR. SEVERAL LETTERS AND NO RESPONCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
I had a good relationship with this credit card company, however I changed bank accounts and must have entered in the wrong checking account number and I would make a payment and a few of them got returned I called and they never gave me any indication as to what was the issue was. I found the issue paid off the balance and then they closed my account mind you I paid for every return fee and the balance of the card. They have since continued to charge me a {$15.00} account maintenance fee for an account they closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I supplied the mortgage company with a letter from the XXXX of XXXX with the annual XXXX XXXX. But the mortgage company will not accept the letter from the City of XXXX, which makes the payment far above what is comfortable for me on XXXX. Which the mortgage company has access to. Also, the mortgage was transferred over to a new company as of XX/XX/year>, and will not finish out the insurance claim from the prior mortgage company. I have given all the information, and the mortgage will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a complaint with CFPB regarding this issue last year and it is till occurring with no resolution. 

This issue with Experian denying me access to my credit report is becoming a discrimination issue as well as a credit issue. 

It has been an ongoing problem ever since I accepted XXXX XXXX and XXXX XXXX credit cards. It appears that Experian is working with credit card companies to prevent customers from disputing false information on credit reports. This is so unfair and is very deceptive. 

I have a right to my credit report and I have the right to dispute. 
I have been trying to request my credit report. Experian keeps denying me credit opportunities and providing merchants with my information and are also altering my credit score, but continues to allege my password is incorrect. When I select forgot password they ask for my phone number to send a code or call to verify it is me. When I enter the phone number I have had for over 20 years they are falsely stating they do not recognize my phone number.

IF EXPERIAN IS NOT ALLOWING ME ACCESS TO MY CREDIT REPORT AND ARE INTERFERING WITH MY RIGHT TO FILE A DISPUTE THEN THEY SHOULD NOT HAVE ACCESS TO MY CREDIT REPORT NOR THE RIGHT TO PROVIDE MERCHANTS WITH CREDIT HISTORY INFORMATION CONCERNING ME. 

It looks like Im going to have to file litigation against Experian. Their unfair and deceptive practices are causing my family stress and several denials including a decent place to live, SEE ALL ATTACHMENTS. EXPERIAN IS USING EVERY LIE IN THE BOOK TO PREVENT ME FROM HAVING ACCESS TO MY CREDIT REPORT. SEE ALL ATTACHMENTS AT FIRST THEY SAY WE OME BACK. THEN THEY FALSELY ALLEGE PASSWORD ISI INCORRECT. THEN I SELECT FORGOT PASSWORD. THEY ASK FOR PHONE NUMBER FOR VERIFICATION AND I PROVIDE IT. THEY FALSELY ALLEGE THAT PHONE NUMBER US NOT ON FILE. I THEN SELECT OPTION TO CREATE A NEW ACCOUNT. EXPERIAN THEN ADVISES ME TO GO BACK TO MY OLD DEVICE AND THEN A IAGE POPULATES THAT SAYS SORRY WE ARE EXPERIENCING TECHNICAL DIFFICULTIES, WHICH IS ANOTHER LIE BECAUSE I HAVE HAD FAMILY AND FRIENDS LOGIN XXXX CREATE NEW ACCOUNTS TO SEE IF XXXX HAVE SANE ISSUE IM HAVING AND THEY ARE NOT.

I STRONGLY FEEL I AM BEING TARGETED AND DENIED ACCESS BECAUSE EXPERIAN IS CO CONSPIRING WITH CERTAIN CREDIT CARD COMPANIES. ARE THEY GETTING KICKBACKS? THIS MALICIOUS CRUEL INTENT COULD ALSO BE RETALIATION FOR COMPLAINTS I FILED WITH THE CFPB AGAINST EXPERIAN IN XXXX and 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XXXX/2025 Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$350.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year>2025 Date that I discovered it : Total fraudulent amount : {$250.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/scrub>/2025 Date that I discovered it : Total fraudulent amount : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several and more inaccuracies unauthorized accounts/information reporting 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 2025-05-01 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: CT

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-01 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate : 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