vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * XXXXXXXX XXXX XXXXXXXX * * * * * * * * * XXXX XXXX  XXXX * * * * * * * * * * XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: KS

Complaint narrative:
I contacted care sage for a fraudulent account on my XXXX, they told me they were going to charge me {$1.00} to submit my dispute I specifically asked if it was just going to be {$1.00} or if there were going to add fees they said no fees and that they were only going to take {$1.00} but charged me {$2.00}. Then they said they needed a {$190.00} processing fee I told them I didnt have that they told me they could break it into 2 payments and that they wouldnt run my card till I called back in but they tried running my card 6 times for {$190.00} each time and that was hours after got off the phone we got off the phone around XXXX they were charging my card from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
In response to a previous complaint below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( XXXX ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. 

Accounts 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 THE DISPUTE FROM BEFORE WAS SUBMITTED THROUGH THE CFPB AS WELL.

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 2025-04-16 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-17 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: VA

Complaint narrative:
I noticed an account under XXXX on my credit report, but I have never opened an account with XXXX, nor have I ever dealt with XXXX, the company reporting this collection. I dispute this account because I am not responsible for the debt. 

I have previously tried to resolve this by disputing the account with the credit bureaus, but the account remains on my report. I have not received any communication from either XXXX or XXXX regarding this debt, and no documentation has been provided to prove that I owe this amount. The Date Opened and Date Last Active listed on my report are inconsistent across the credit bureaus, further suggesting that the account is not mine. 

Given that the credit bureaus have not resolved this issue after my dispute, I am now filing this complaint against the bureaus for failing to properly investigate and correct the inaccurate information. As I do not owe this debt, I request that the account be deleted from my credit report immediately. 

Thank you for assisting me in removing this incorrect information from my file.

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 2025-04-16 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: IL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.

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 2025-04-16 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: FL

Complaint narrative:
Subject : Dispute and Demand for Removal Reinserted XXXX XXXX XXXX XXXX ( FCRA & CFPB Violation ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$3700.00}, currently appearing on my TransUnion report dated XX/XX/XXXX. 



This account had previously been removed and has now reappeared without proper notification, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and provisions under the CFPB enforcement action against TransUnion ( Case No. 1:22-cv-01880 ).

Violated Provisions : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Requires the consumer be notified within 5 business days of reinserting any previously deleted item, with certification from the furnisher of the accuracy of the data.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Mandates a full reinvestigation of any disputed information. 

CFPB v. TransUnion ( XXXX ) The CFPB found TransUnion had violated a prior order by continuing to report inaccurate data, failing to notify consumers of reinsertion, and not honoring proper dispute resolution procedures. 





This re-reporting has caused substantial and unjust harm to my credit file. I demand : Immediate removal of this XXXX XXXX XXXX account. 

Written confirmation that the account will no longer appear on my credit file. 

Any certification documentation provided by the furnisher regarding the reinserted information, as required by 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate late payment reported by Uplift/Upgrade for XXXX ID XXXX. 

The payment due date was XX/XX/2025, and I made the payment on XX/XX/2025. While this payment was over XXXX days late, the company incorrectly reported the delinquency as occurring in XX/XX/2025, instead of XX/XX/2025. 

Worse, this false reporting was submitted after I paid the account in full and the balance was brought current. The incorrect XX/XX/2025 late mark was reported in XX/XX/2025, and it caused my XXXX XXXX to drop significantly, even though the account is now closed and current. 

I contacted Upgrade multiple times. A supervisor acknowledged on a recorded phone call that the XXXX reporting was a mistake and agreed it would be corrected. On XX/XX/2025, I received an email confirming they were updating their internal records and submitting the correction to XXXX XXXX XXXX XXXX. However, on XX/XX/2025, I received a second message from their team stating that the reporting was now considered accurate despite prior acknowledgment of the error. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX, which requires that furnishers only report accurate and complete data. Reporting the wrong month as delinquent especially after payoff is misleading and damaging. 

I am requesting : XXXX. XXXX removal of the XX/XX/2025 late mark from all credit bureaus XXXX. Written confirmation of the correction XXXX. Investigation into Uplift/Upgrades XXXX XXXX I have full documentation of emails, screenshots, credit reports, and communication showing the inaccuracy and reversal by Uplift/Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am escalating this complaint regarding XXXXXXXX XXXX XXXX XXXX XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. 
Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within XXXX ( XXXX ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. 
Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are not obligated to provide evidence of validation. This assertion is false and constitutes a direct violation of federal law. 
Harm to XXXX Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. 

Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX, including credit reporting, until full compliance with FDCPA is achieved. 

Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., XXXX tracking, signed receipt ) within XXXX calendar days. 

Legal Action Notice : If these demands are not met within XXXX days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. 

Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. 

Petitioning credit bureaus for removal under FCRA XXXX due to unverified information. 


I have attached previous correspondence demonstrating their refusal to validate. 
This agencys failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of XXXX XXXX, and I demand that this account be immediately investigated and removed from my credit 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 explanation
Consumer complaint received 2025-04-16 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:
Inquiries that I did not give express permission for and have no knowledge of their origin : XXXX on XX/XX/XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX on XXXX XXXX Fraudulent account tied to the fraudulent inquiry : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$700.00}

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 2025-04-16 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: FL

Complaint narrative:
Inquiries that I did not give express permission for and have no knowledge of their origin : XXXX on XX/XX/XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX on XXXX XXXX Fraudulent account tied to the fraudulent inquiry : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$700.00}

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 2025-04-16 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: NY

Complaint narrative:
I am a victim of identity theft XXXX there is fraudulent/error addresses and names and accounts on my credit 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I, XXXX XXXX XXXX, am filing this statement to report that I have been a victim of identity theft. I did not authorize the use of my personal information for the fraudulent accounts, addresses, and inquiries that have appeared on my credit report. 

Unauthorized Addresses Listed On My Credit Report : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX - I have never lived at this address. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, IN - i haven't lived at this address My correct and only valid address is : XXXX XXXX XXXX XXXX XXXX, IN XXXX Fraud Accounts : XXXX. XXXX ( {$9500.00} ) XXXX. XXXX ( {$5000.00} ) XXXX, XXXX ( {$1000.00} ) XXXX. XXXXXXXX XXXX  ( {$9000.00} ) As a victim of identity theft, I am requesting the following actions be taken immediately : XXXX. Remove all fraud accounts, inquires, addresses from my credit report. 
XXXX. Block any fraud accounts from being reported, as required under FCRA Section 605B ( 15 U.S.C. 1681c ( b ) I called Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> each rep has given me different answers on my credit report an operated in secrecy and didn't remove the items on my credit report I've sent them my ID Address Bill Notary Document and they have simply ignored my request and this is hugely impacting my life as we can't get approved for just about anything due to being a victim of identity theft

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 2025-04-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I am writing to formally dispute inaccurate or potentially fraudulent information that may be present on my credit report as a result of the XXXX Equifax data breach. My personal information, including but not limited to my Social Security number, was compromised during that breach. As a result, I am concerned that my identity may have been used without my authorization.

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 2025-04-16 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate or potentially fraudulent information that may be present on my credit report as a result of the XXXX Equifax data breach. My personal information, including but not limited to my Social Security number, was compromised during that breach. As a result, I am concerned that my identity may have been used without my authorization.

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