vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-07 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I. XXXX  XXXX I submitted a wire transfer to clear out the American Express account that totaled {$33000.00} and it currently shows there is a current card balance of - {$690.00}. 
I have the notice from the bank American Express took the payment being the balance to {$0.00}. 
When I spoke to the customer service rep they informed me my account is under XXXX XXXX and possible being changed under bank fraud. 
This is fully new to me and for the last few days I have been making small purchases with each transaction being declined. 
Was also told the negative account balance I attempted to clear that charge as it was unsure of the - {$690.00} was still owning after the {$33000.00} and because there was an auto payment booked for the {$690.00} it was returned that forced my be be charged {$29.00} for a return check plus now having to pay a higher APY over this. 
Did a total of XXXX attempts to speak with someone with the card holder and no one was able to tell me why am being accused under fraud and referrals to the XXXX office. 
I have attempted to buy a flight ticket to see family with the charge being declined even for an item that is less than {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX SC XXXX, & XXXX XXXX XXXX XXXX nc XXXX this address is showing up on my Transunion report I advised multiple times to remove from my credit report that I do not stay at that location still on my report

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 2025-08-07 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed this collection with Transworld Systems Inc. and called back on XX/XX/XXXX because I have been denied an apartment for the incorrect collection they have shared. Transworld Systems Inc is aware that it has been 30 days with no response from the XXXX XXXX XXXX apartments but stated, on a recorded line, that there is not a timeline for XXXX XXXX XXXX to respond and it is up to the them, when they respond. I clearly read from the official Texas General Attorney site, it is unlawful for them to keep this account open past 30 days with no response from XXXX XXXX XXXX. I was told that the dispute will stay open until they respond, even after explaining to them that there has to be a cut off time for them to respond, they said there is not a cut off time. I am now trying to move into an apartment and my current lease is up on XX/XX/XXXX and they are not removing it off my XXXX XXXX report. I can not get moved into my new apartment until this is resolved, which will soon cause my application to be denied after waiting 3 weeks for compliance to approve my essential housing. I have dispute claims with XXXX XXXX ( claim # XXXX ), Texas General Attorney ( claim # XXXX ), and XXXX XXXX ( claim # XXXX ). This is an urgent matter and I will have to take legal action because I am now faced to over stay in my current apartment past my lease agreement because I can not apply for any apartment until they remove this off my rental history. I do not have any documentation because they refused to put in writing that this dispute is still open past the 30 days but their calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
When I checked my credit report today, I saw inaccurate accounts that I can't explain. I regularly review my report, and this is the first time I've seen such discrepancies. I tried refreshing the page, thinking it might be a glitch, but the issue persisted. Since the errors remained, Im asking for the documents I provided to be reviewed carefully so I can stop stressing over this.

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 2025-08-07 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: RI

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate 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 non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc.
State: KS

Complaint narrative:
This account is not mine and I have not received any written documentation of this account being mine. Therefore I need it removed from my credit report immediately. This account does not exist to me and has never been made aware to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that the credit bureaus permanently delete the inaccurate late payment notations associated with the following accounts : XXXX XXXX XXXX XXXX XXXX These late payments were reported without proper notice from the furnishers, which is a direct violation of the Fair Credit Reporting Act. I am asking the credit bureaus to : XXXX a full reinvestigation as required by FCRA XXXX. 

Require the furnishers to provide proof that I was notified of the due date and given an opportunity to resolve the account before the late payment was reported. 

Permanently delete the late payment from my credit report if such documentation can not be produced. 

Provide written confirmation of the deletion and send me a corrected and updated copy of my credit file within XXXX business days. 

I believe this is a fair resolution based on the legal obligations outlined under the FCRA and my right to an accurate and fairly reported credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX'This complaint references my previous CFPB case against Midland Credit Management, Ref #: XXXX, which was improperly closed despite no resolution and no deletion of the account in question.XXXXMidland failed to provide legal validation. They submitted vague, recycled documents including a generic cardholder agreement with no signature, no itemized accounting, and no legal proof of assignment. That is not proper verification under the FDCPA or FCRA.XXXX XXXX XXXX XXXX I sent Midland a Notice of Intent to Sue via certified mail (Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX), clearly labeled Time-Sensitive Legal Notice, FDCPA/FCRA Violations. I also emailed them the same day. Midland responded confirming receipt of my CFPB and Attorney General complaints and stated they would reply by XXXX XXXX XXXXDespite this, they closed the prior CFPB case without addressing the legal letter or deleting the account.XXXXAdditionally, XXXX (Case XXXX) conducted a proper investigation and deleted the account from my credit report on XXXX XXXX XXXX Midland has failed to acknowledge this or delete the same account from XXXX XXXX XXXX  This proves Midland is furnishing inaccurate and unverified information, causing me direct harm.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Someone open different accounts under my name. 

Company names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
A collection ( XXXX XXXX XXXX ) was placed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Formal Dispute and Demand for Deletion of Inaccurately Reported Debt XXXX  XXXX  XXXX  Dear EQUIFAX, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) regarding a tradeline appearing on my credit report, allegedly furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), concerning a debt originally issued by XXXX XXXX XXXX  ( XXXX ), XXXX. with account number ending in XXXX. 

I previously requested full validation of this account directly from XXXX XXXX XXXX via a Consumer Financial Protection Bureau ( CFPB ) complaint. In response, XXXX failed to provide any of the required account-level documentation, including : A copy of the original signed credit agreement or application; A contract of assignment or bill of sale connecting my alleged account to XXXX  ; A full itemization of the debt including charges, fees, and payments ; Any valid proof of legal ownership of the alleged debt.

Despite this failure, XXXX  continues to report this account to the credit bureaus. This constitutes inaccurate and incomplete reporting under 15 U.S.C. 1681s-2 ( b ), which prohibits a furnisher from reporting data that it can not verify with documentation.

Legal Basis Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to reinvestigate and delete any item that can not be verified. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) requires deletion if the furnisher fails to verify after notice of dispute.

15 U.S.C. 1681e ( b ) requires that all items in a consumer report be maximum possible accurate.

Legal Argument : Courts have held that a debt buyer must provide documented proof that it owns the specific debt, not just a generic bill of sale. See : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, under 15 U.S.C. 1681n and 1681o, you may be held civilly liable for willful or negligent failure to comply with these provisions, including the failure to delete unverifiable accounts. 

Action Requested Because XXXX XXXX XXXX failed to provide validation, you now have an independent legal obligation to : Obtain account-level documentation from the furnisher verifying : Proof of ownership ; Signed contract ; Itemization of balance. 

If XXXX  fails to provide this to you, you must delete the tradeline from my report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to do so after receiving this formal dispute will be viewed as willful noncompliance, and I will pursue all available legal remedies, including complaints with the CFPB, FTC, and a lawsuit seeking actual, statutory, and punitive damages.

Please complete your investigation and send me a written response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX and Southwest Credit Systems XXXXXXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

These accounts are inaccurate and should not be associated with my credit profile. They XXXX be the result of reporting errors, identity theft, or mixed credit files. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct an investigation and remove any information that can not be verified as accurate.Southwest Credit Systems This account is fraudulent I have provided lease of address during the time the bills was occurred and the address you all have on file i have never lived there which is being reported inaccurately on my report by Southwest credit systems XXXX XXXX XXXX XXXX Md XXXX. This information is incorrect and I would like this account removed immediately.m

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: RI

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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