vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a collection account that has recently appeared on my credit report under the name " Reliant Capital Solutions ''. I have never received any communication from this company regarding a debt, and I am unaware of who they are or what this account is about. 

Furthermore, my personal information, including my Social Security XXXX, was compromised in a data breach in XXXX, and I have been dealing with multiple cases of fraudulent or unauthorized accounts since then. I believe this account XXXX be the result of identity theft or misuse of my information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Provide complete validation of the alleged debt, including : The original account number and creditor The full name, address, and contact information of the company Copies of any signed agreements, contracts, or identification used to open the account A breakdown of the amount owed Verify my signature and any personal identification associated with the debt. 

If the debt can not be verified or proven to be mine, I request that this item be immediately removed from my credit report and that I receive written confirmation of its deletion. 

Please see email attached to this complaint as additional documentation sent to email address : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I submitted a fraud dispute to Experian regarding an account that I did not open and that I have reason to believe was result of identity theft and/or XXXX XXXX. I included a statement of identity theft and filed a report with the FTC. 

Experian never responded to my dispute, never notified me of the investigation status or outcome, and failed to remove the account from my credit file. I later checked my report and discovered the dispute had been rejected without explanation or notice. 

This is a serious violation of the Fair Credit Reporting Act ( FCRA ), which requires the CRA to respond to disputes within XXXX  days and take proper action. I am requesting that the CFPB intervene to ensure Experian : XXXX investigate the matter XXXX. Provides a clear written response XXXX. Removes any accounts found to be fraudulent XXXX their compliance with FCRA I am attaching my FTC report and any supporting documents again. I am also preparing a formal written complaint to Experian giving them final notice before further legal action

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 2025-07-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2021, Balance : {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
For the last XXXX months or so my Equifax credit profile has been blocked for promotional purposes whatever that means. Myself, along with lenders and creditors arent able to access my profile and it has inconvenienced me due to my ability to not obtain proper financial assistance for my familys wellbeing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am a victim of identity theft. I previously submitted a complete identity theft block request under FCRA XXXX to the credit bureaus including my FTC Identity Theft Report, a notarized affidavit, my ID, and proof of address. As a result, a fraudulent charge-off from XXXX XXXX was deleted from my credit report. 

However, the account was later reinserted on my TransUnion report twicemost recently in XXXX XXXX written notification, which is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ). XXXX XXXX has now also initiated a lawsuit against me based on this fraudulent account. 

I did not open or authorize this account and have received no benefits from it. I am requesting regulatory assistance due to ongoing noncompliance by both TransUnion and 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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
Total loan XXXX Upon receiving their snail mailed bill, it instructed me to " register '' on payment portal & make a payment online. Upon my attempting to register, it did not send me a link via email as instructed that I'd receive an email. Despite many attempts this did not work. And many phone calls to the company, the cust svc rep 's were rude, & either couldn't understand or believe that it was their portal error and/or refused to fix the issue so I can register this acct. After writing then via XXXX I was emailed back to call then yet I had called a number of times already. I was then told on a recorded call they were recording that an autopayment was already set up in my name and my checking account!!!!!!!!! with a routing # and checking acct!! 

How is this possible and on what planet is this legal since I never set this up!!!!!!!?????? 

Even after several phone calls ( which I ended up recording myself ) with a supervisor at Aqua Finance spk to a Louisette XXXX XXXXXXXX & my explaining that this checking acct was closed and I am not the one who set this up, she REFUSED TO 1. Allow me to speak to her manager, 2. allow me to email her & show her the screenshots of the portal 3. Refused to allow me to make changes to this acct w/ a correct checking acct number and refused to let me make a pymt over the phone 4.refused to resolve the issue and stated that she'll file a complaint on my behalf. When i asked for a copy of this complaint she said she can not email it to me. I repeatedly asked for her manager 's direct email address b/c even after I emailed the company at XXXX and explained the issues. I was told via email to call the XXXX yet I had called it and still the payment portal was not fixed and my hands were tied and this acct was closed. They blamed XXXX on these issues and DID NOT ALLOW ME TO MAKE A PYMT OVER THE PHONE, CHANGE THE CHECKING ACCT INFO OR ANYTHING RESEMBLING A RESOLUTION. IF THIS CONTINUES AND I AM UNABLE TO PAY ONLINE AND MAKE CHANGES TO THIS LOAN ACCOUNT AND IT REFLECTS NEGATIVELY ON MY CREDIT, I'LL BE FORCED TO FILE A LAWSUIT AGAINST BOTH AQUA FINANCE & XXXX. GOVERN YOURSELF ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/year> at XXXX am, I received a phone call from Midland Credit Management. I told the agent to please cease and desist ALL COMMUNICATION to me and credit reporting. Since then, I have been receiving emails, calls, and letters ( XXXX by XXXX ). I have never heard of this company and they never provided my wet signature that on any business that I have with them. I have no debt with them. I demand they send me the agreement that they are trying to collect on and delete both accounts. My XXXX XXXX has been damaged, they are XXXX to sue me, still contacting me after I told them not to. I'm tired of being XXXX XXXX  and having XXXX XXXX XXXX at my XXXX appointments because of worrying. This attempt the collect money is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
In XX/XX/year>, I mailed a formal identity theft dispute to TransUnion regarding a fraudulent XXXX XXXX account appearing on my credit report. I included a complete FTC Identity Theft Report, police report, proof of address, and an identity theft affidavit in accordance with FCRA XXXX. 

Despite the thorough documentation and compliance with federal law, TransUnion has continued to report this account. I received a letter dated XX/XX/year>, from XXXX XXXX stating they were unable to confirm identity theft. However, this does not relieve TransUnion of its obligations under XXXX of the FCRA, which requires the consumer reporting agency to block the fraudulent information within XXXX business days of receiving valid identity theft documentation. 

XXXX  has already removed the account from my credit report, but TransUnion has not. I am now submitting this complaint because TransUnion is in violation of the Fair Credit Reporting Act and continues to report unverifiable and disputed information after receiving all required documentation.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have submitted legal documents to have my name updated. My name is changed Temporally. then changed back to the incorrect name. There are also XXXX Collections that are reporting incorrectly. XXXX XXXX and XXXX  XXXX. I have disputed these accounts and they come back verified even though they are incorrect. Equifax is also reporting an inaccurate mark XXXX times

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 2025-07-11 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report related to my XXXX / XXXX credit card account. Specifically, I am disputing a late payment that is reported incorrectly and is damaging my credit history. 
I respectfully request that the late payment be investigated and removed from my credit report, as it is inaccurate and misleading. I have enclosed supporting documentation, which clearly show that the payment was made on time. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be incorrect or incomplete, and I request that this matter be resolved as soon as possible.

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 2025-07-11 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: TN

Complaint narrative:
Public law XXXX, XXXX VI, XXXX XXXX, subsection A-D. I demand that you provide actual PROOF that the information was verified, not a computer generated confirmation. the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( FDCPA )

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 2025-07-11 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-11 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-11 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data XXXX  please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

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 2025-07-11 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity, my Proof of Address, 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 non-monetary relief