vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I previously filed a CFPB complaint against Transworld Systems Inc. ( TSI ) regarding an alleged {$700.00} debt for XXXX XXXX XXXX. TSI responded, but their validation is incomplete and insufficient under the Fair Debt Collection Practices Act ( FDCPA ). 

I specifically requested : A signed enrollment agreement or contract An itemized statement showing all charges, payments, and credits Proof of assignment from XXXX XXXX XXXX to TSI Documentation authorizing any collection fees added TSI failed to provide this. Instead, they sent a generic XXXX XXXX XXXX ledger showing a Transfer to Collections amount of {$560.00}. Their letter lists {$700.00}, which includes an added {$140.00} fee with no proof I agreed to pay it or that it is authorized by law. 

The ledger also shows a Total Amount Due From XXXX of {$0.00} because the account was charged off. Reporting a balance in this situation is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1692g, a debt collector must provide complete validation, including signed documentation and a full accounting of the alleged debt and any fees. Under 1692f ( 1 ), they can not collect fees not authorized by agreement or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts Due to Identity Theft Dear Credit Bureau, I am writing to formally dispute the validity of several accounts currently listed on my credit report, which are not mine and appear to be the result of identity theft. I have never opened or authorized the following accounts, and I request that you immediately investigate and remove them from my credit file under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX These accounts have been reported inaccurately and do not belong to me. I suspect they were opened fraudulently without my knowledge or consent. This is a clear case of identity theft. 

Enclosed are the following documents for verification : - A copy of my state-issued ID - A copy of a utility bill or bank statement with my current address I request that you : 1. Conduct a full investigation into these accounts ; 2. Remove the fraudulent accounts from my credit report ; 3. Send me an updated copy of my credit report reflecting these corrections. 

Please confirm in writing once these items have been removed. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for an apartment XX/XX/year> and then later found out that I was declined due to my rental history. I was then provided a copy of my rental screening from the apartment complex. I noticed that there were multiple issues with report. I recently filed Bankruptcy and was discharged. I no longer have that obligation to those complexes. I was never evicted from these places just had balances. On my transunion report, it shows that those places were a part of my bankruptcy and now have a XXXX balance. I explained to the apartment that the proof that those balances are settled is on the actual credit report you ran to pass my credit. They then told me to have Transunion put my discharge date in the judgment release space so that everything reflects accurately. I reached out to Transunion to make them aware of the inaccurate information they had on my report, however they have not been helpful in fixing this issue. I also reached out to XXXX ; this is the place that they get their information. I requested that they also fix the inaccurate information. No one has made any attempt to fix this information. There is another account on my screening that doesn't belong to me. It wasn't under my social security number but it's on my screening. I need this matter addressed. Please advise

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 2025-08-06 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: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name : XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, Section 611, Subsection A-D, please provide the name and business address of each individual with whom you verified the above, so that I may follow up. Please send me an update copy of my credit report after your reinvestigation.

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 2025-08-06 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: Global Lending Services LLC
State: GA

Complaint narrative:
I didnt try to get any loan from anywhere and I have these inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the incorrect personal identifying information on my credit report. Specifically, there are names listed under my profile that do not reflect my legal name. My correct and legal name is : * * XXXX XXXXXXXX XXXX XXXX I have never used or authorized the use of the following name variations that currently appear on my credit report : any name other than XXXX XXXX. These are either incorrect, unauthorized, or outdated. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that these inaccurate name entries be removed from my credit report, and that my file be updated to reflect only my correct legal name. I am also requesting the removal of any accounts associated with these incorrect names if they are not verifiable as belonging to me. In addition, I am unable to access any of my accounts online due to this error. It is greatly appreciated to rectify this situation, as expeditiously as possible. 

Thank you for your attention to this matter. Please confirm in writing when the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the incorrect personal identifying information on my credit report. Specifically, there are names listed under my profile that do not reflect my legal name. My correct and legal name is : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  I have never used or authorized the use of the following name variations that currently appear on my credit report : any name other than XXXX XXXX. These are either incorrect, unauthorized, or outdated. 
Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that these inaccurate name entries be removed from my credit report, and that my file be updated to reflect only my correct legal name. I am also requesting the removal of any accounts associated with these incorrect names if they are not verifiable as belonging to me. In addition, I am unable to access any of my accounts online due to this error. It is greatly appreciated to rectify this situation, as expeditiously as possible. 

Thank you for your attention to this matter. Please confirm in writing when the 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the incorrect personal identifying information on my credit report. Specifically, there are names listed under my profile that do not reflect my legal name. My correct and legal name is : * * XXXX XXXX * * I have never used or authorized the use of the following name variations that currently appear on my credit report : any name other than XXXX XXXX. These are either incorrect, unauthorized, or outdated. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that these inaccurate name entries be removed from my credit report, and that my file be updated to reflect only my correct legal name. I am also requesting the removal of any accounts associated with these incorrect names if they are not verifiable as belonging to me. In addition, I am unable to access any of my accounts online due to this error. It is greatly appreciated to rectify this situation, as expeditiously as possible.

Thank you for your attention to this matter. Please confirm in writing when the 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 2025-08-06 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: PA

Complaint narrative:
My name is XXXX XXXX and my birthday is XXXX and my ssn is XXXX I need this account called version wireless to be review after investigation is completed or escalate to be further looked into because it should be removed and deleted off my credit report I been disputing it for months now and no luck it should be disputed for unauthorized account open without my permission in my name and theft of identity and account is closed and before it was reported on my credit report I didnt get a chance to dispute it with a debit collection it didnt go to a debit collection agency it was unfair report on my credit report without me having a chance to dispute it with the debit collection agency so please remove it off my credit report and delete it by request by law and by my rights because my rights was violated and look at the attachment below it will half help you to get it removed and deleted because it was deleted at XXXX  etc.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL XXXX. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-08-06 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-06 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: MS

Complaint narrative:
Equifax infromation services llc conntiues, willfully to produce known and documented identity theft account on my file for months since disputes began XX/XX/year>, to date in addition to delete or block this account like the other bureaus, and confirmation from the furnisher who also alleges to have alerted equifax of this fraudelent account and that the deletion was required. yet as of XXXX a recorded call with their agent XXXX whom i spoke with previously on XXXX, explicitly verified over the phone that the account was mine and " verified '' in direct contradiction to supporting documents and actions by other CRAs. Equifax also has, and continues to knowingly report false data or lack thereof on n auto loan account which was repossessed illegally by furnisher. yet to date no repossession mark or notation exist, continuance of false DOLP, failing entirely in their investigation and dispute handling processes internally, if any exist. in addition to that Equifax has continued to knowingly report two instances of the same debt after sale despite months of dispute and active federal litigation. in addition i have been suppressed from my actual Equifax report due unexplainable failures by a " file blocked for promotional access '' preventing me from my own report despite months of calls and proof of identity. i am simply at a loss for words for the blatant scope and actions of a company with so much say in the everyday aspects of a consumers life and the harm that can ensue when duties arent followed, rights arent even considered, their violated or non existent in the eyes of this company as i am experiencing it first hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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