vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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 am filing a formal complaint against Experian, TransUnion, and Equifax regarding a fraudulent account being reported under the name of XXXX XXXX. This account originated in California while I was residing in North Carolina. I have never purchased or financed a vehicle in California. 

I have submitted multiple disputes to all three credit bureaus and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report documenting the identity theft Proof of my residency in North Carolina during the time the account was allegedly opened Despite this, the credit bureaus continue to report that XXXX has verified the account, yet no documentation or evidence of this verification has been provided to me. 

This fraudulent and inaccurate account is causing significant financial and personal harm, including credit denials, increased interest rates, and emotional distress. I am requesting that the CFPB investigate this matter and require the credit bureaus to : 1.Immediately remove the fraudulent account from all of my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections.

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 2025-06-22 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: CA

Complaint narrative:
I am filing a formal complaint against Experian, TransUnion, and Equifax regarding a fraudulent account being reported under the name of XXXX XXXX. This account originated in California while I was residing in North Carolina. I have never purchased or financed a vehicle in California. 

I have submitted multiple disputes to all three credit bureaus and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report documenting the identity theft Proof of my residency in North Carolina during the time the account was allegedly opened Despite this, the credit bureaus continue to report that XXXX has verified the account, yet no documentation or evidence of this verification has been provided to me. 

This fraudulent and inaccurate account is causing significant financial and personal harm, including credit denials, increased interest rates, and emotional distress. I am requesting that the CFPB investigate this matter and require the credit bureaus to : 1.Immediately remove the fraudulent account from all of my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Pinata Rent, Inc
State: TX

Complaint narrative:
My landlord enrolled me in a rent reporting service called Piata without my knowledge or consent. I never signed up for this service nor agreed to have my rent reported to any credit bureau. On XX/XX/year>XXXX  I received a notification that rent payment history had been submitted to my credit file. I believe this was done in retaliation for my ongoing complaints about code violations, utility fraud ( confirmed by XXXX XXXX ), and harassment. 
I am concerned this violates my rights under the Fair Credit Reporting Act ( FCRA ) and represents an unlawful attempt to damage my credit. Ive reached out to the landlord to remove me from the program and stop all unauthorized reporting. 
I request an immediate investigation, deletion of the unauthorized entry, and assurance that no further data will be reported without my written consent. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-22 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al, XXXX XXXX XXXXXXXX  To : XXXX  XXXX Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX Pa XXXX RE : Dispute of Unverified Information- XXXX XXXX XXXX XXXX XXXXXXXX This letter is to Formally dispute the following account listed on my credit report. 
Account Type : { Credit Card XXXX XXXX XXXX XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation-notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable. The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt.If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 
Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. 

A revised credit report, reflecting any changes made based on this dispute. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
I have attached a certified mail proof of sending TransUnion this information ( they are yet to comply ) : I sent TransUnion a letter basically saying they did not have my permission under 15 USC 1681, number 3, 4, and 1681 B, number 2 by certified mail. TransUnion is the only one who did not comply and XXXX  out the file of all negative reporting out of XXXX  and XXXX  reference to 15 U.S.C. 1681b, which restricts when a consumer report may be furnished. XXXX  and XXXX complied, but TransUnion did not. I am submitting this formal complaint against TransUnion, LLC for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. 1681b, 1681b ( 2 ), and related consumer rights under 1681 et seq. 

I sent TransUnion a certified letter asserting that they lacked permissible purpose to furnish or maintain my consumer report data under 15 U.S.C. 1681b, as no such authorization was given by me under sections ( 2 ), ( 3 ), or ( 4 ). I requested that they remove any and all negative or unauthorized reporting from my consumer file. TransUnion received my letter via certified mail ( see attached card of USPS Tracking number ) but has failed to respond or take corrective action. In contrast, XXXX  and XXXX  complied with my request and removed the disputed entries in accordance with the law.I believe TransUnion is violating federal consumer protection statutes by : Maintaining and distributing my consumer data without permissible purpose. 

Failing to investigate or respond to a lawful dispute request. 

Willfully disregarding my rights under the FCRA. 

I am requesting the CFPB 's assistance in investigating this matter and compelling TransUnion to comply with applicable consumer protection laws. I am attaching the following supporting documents : Proof of delivery ( certified mail receipt ) Thank you for your attention to this matter. Please let me know if you need further documentation or clarification.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I no longer have the car but the car company isnt still reporting on my credit missed payments and are still trying to get the same amount I financed for when I got the car. I havent have the car since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CA

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 List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-06-22 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:
As per the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting this personal statement and the required documentation to request the blocking of information on my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c3, and 12 CFR 1022.142 ( b ) ( 4 ) ( 7 ). I am a victim of XXXX XXXX, specifically debt bondage, which is recognized as a form of trafficking under federal regulations. I respectfully request that all accounts associated with this trafficking be blocked from my credit report within four business days of receipt of this request, in accordance with the law. Please remove the following account ( s ) from my credit file : { 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

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
I am formally disputing the collections account reported by National Credit Management for the amount of {$1000.00}, allegedly originating from XXXXXXXX XXXX XXXX XXXX  This is not a federally backed student loan, but rather a direct institutional charge and therefore does not fall under the same reporting standards. 

I mailed a debt validation request to National Credit Management on XX/XX/year>, and to date I have not received any verification, supporting documentation, or proof that this debt is accurate, valid, or legally enforceable. 

Under the Fair Debt Collection Practices Act ( FDCPA ), failure to provide proper validation within 30 days of my written request constitutes a violation, and the continued reporting of this unverifiable debt is inaccurate and damaging. 

Given the lack of response and failure to provide validation, I am requesting that XXXX  immediately remove this account from my credit report in accordance with the FCRA 's requirement to ensure only verified and accurate information is reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I clearly explained that in my previous disputes and also communicated it during a phone call with a representatives. However, each time, I have received a generic response stating that the item has been " verified '' with no updates or corrections made. This response is unacceptable, as the information being verified is factually wrong. 

Specifically : - The * * county * * listed is incorrect. 
- The * * court name * * is incorrect. 
- The * * judge 's name * * and * * contact phone number * * are also inaccurate. 

Regarding a bankruptcy.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al, XXXX XXXXXXXX XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Unverified Information- XXXX XXXX XXXX XXXXXXXX This letter is to Formally dispute the following account listed on my credit report. 
Account Type : { Credit Card XXXX XXXX XXXX XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation-notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable. The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt.If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 
Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. 

A revised credit report, reflecting any changes made based on this dispute. 


Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief