vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within XXXX days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-05-02 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 letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My correct and current personal information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

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 2025-05-02 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:
Subject : FINAL NOTICE Willful Noncompliance under FCRA 616 Immediate This letter serves as my third and final formal dispute regarding the continued, unlawful reporting of the following account on my TransUnion credit report : Disputed Account Information : * Creditor : XXXX Funding XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} * Date Opened : XX/XX/XXXX * Last Verified : XX/XX/XXXX * Original Creditor : XXXX XXXX XXXX XXXX XXXX * Status : Collection/Chargeoff Only reported by TransUnion Despite two previous dispute submissions and a formal complaint filed with the FTC, your bureau has continued to report this derogatory account without providing any valid proof or proper debt validation. This account is not being reported by XXXX or XXXX, which raises serious concerns regarding its accuracy, legitimacy, and your investigative process. 
I requested : * Full debt validation including contract, signature, and account-level documentation * Proof of permissible purpose under FCRA 604 * Verification of assignment from the original creditorNone of these have been provided.

Your continued reporting, without proper verification and despite formal notifications, is not merely negligent it constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) 616, and directly violates my consumer rights for the third time.

Legal Notice : If this account is not removed from my credit report within five ( 5 ) calendar days of your receipt of this letter, I will initiate legal proceedings against TransUnion LLC without further notice. This includes but is not limited to : * Initiating a civil lawsuit for willful violations under FCRA 616 and 617 * Seeking punitive damages, actual damages, and legal fees You are hereby on notice. You have had ample opportunity to investigate and correct this. You are knowingly and unlawfully damaging my credit profile. 
I expect a written confirmation of deletion within five days of this letter. Failure to act will result in legal escalation without further correspondence.

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 2025-05-02 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: CA

Complaint narrative:
In XXXX, I missed paying my last month of car insurance. They sent the bill to my old address. Eventually it went into collections. I immediately contacted collections and paid the remaining balance. It was less than XXXX XXXX My XXXX XXXX immediately went down from XXXX to XXXX. After I paid it all bureaus fixed my credit score somehow. Except transunion. It's been 5 years nothing changed. My score is XXXX. I have financial power to buy house but I can't because of this issue. There is nothing bad in my record, seemingly they cleared my record but my score doesn't change. Its 's been under XXXX for 5 years. During that period I paid everything on time on other things. I don't know how to fix this. Those companies are XXXX boxes. I don't know how to access them. Appreciate your help.

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 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: KY

Complaint narrative:
I do not have a contract nor did i authorize the company to obtain my information my right to privacy were violated under the fdcpa and fcra This has also been removed from my credit before, and it popped back up under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is not mine and appears to be the result of a data breach or identity theft. It does not belong to me, and I did not authorize or open this account in any form. Despite showing a XXXX balance, the eviction-related entry is inaccurately affecting my credit profile.

This false information misrepresents my financial responsibility and may unfairly influence potential creditors or landlords. I respectfully request the immediate deletion of this account from my credit report across all major credit reporting agencies to ensure my credit history is both accurate and fair.

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 2025-05-02 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: VA

Complaint narrative:
I have been the victim of identity theft, resulting in unauthorized and inaccurate information being reported on my credit files by Equifax. My personal identifying information has been unlawfully used without my consent. As a result, fraudulent accounts and inquiries were reported, severely harming my credit, without proper verification. I previously submitted removal requests, yet these inaccuracies remain. I do not consent to a fraud alert. I demand deletion of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I am disputing a debt being pursued by Sentry Credit , Inc. on behalf of XXXX XXXX/ The Vineyards Apartments. I received an itemized breakdown and lease documents from Sentry, but I am submitting a substantive dispute of the charges themselves, which I believe are inflated, inaccurate, and not legally enforceable under California Civil Code 1950.5.

I sent a formal written dispute via certified mail to Sentry Credit on XX/XX/year>. In this letter, I contested the following charges : {$940.00} for in-house painting, despite the unit being left in clean and good condition. Painting for normal wear and tear is not chargeable under California law. 

{$300.00} for cleaning, even though I hired and paid for professional move-out cleaning services. 

{$52.00} for a microwave grille vent, which I had submitted maintenance requests for during my tenancy and was never repaired. 



These charges are excessive and unreasonable. I also was not provided with a proper move-out statement before the account was placed in collections, which denied me the opportunity to resolve or dispute charges before they were escalated.

I have requested that Sentry reevaluate and remove the disputed amounts and close the collection account. If those charges are removed, the balance would be eliminated or potentially overpaid based on my security deposit.

I am requesting the CFPBs assistance in ensuring that this debt is corrected or removed, and that all collection activity is paused while my dispute is under review. 



I can provide the certified mail receipt, dispute letter, and copies of the documentation received upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 seven 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 explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX, Ive disputed a fraudulent XXXXXXXX XXXX  showing a different persons name ( XXXX XXXX ) and a forged signature. The same contract was unsigned in XXXX and mysteriously signed by XXXX. Ive filed 3 prior CFPB complaints : XXXX, XXXX, and XXXX. Despite this, XXXX and the credit bureaus continue to report the account inaccurately, causing me XXXX XXXX XXXX XXXX XXXX and disruption to my daily life and education. I submitted an Identity Theft Affidavit on XX/XX/XXXX. Im demanding {$10000.00} in damages under FCRA Sections 616 and 617. My supporting documents are attached. 

Update for CFPB Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No Signature on Contract ) I am submitting an update with new evidence and an Identity Theft Affidavit filed on XX/XX/XXXX. This account is being falsely reported under my name, even though the contract originally received was unsigned. Ive now been sent a different version with a forged signature and another persons name ( XXXX XXXX ). This repeated mishandling is fraudulent, in violation of FCRA Sections 616 and 617. It has caused me XXXX XXXX XXXX XXXX XXXX to my life and education. I am demanding {$10000.00} in damages for emotional harm and repeated FCRA violations. Supporting documents will be attached. 



Update for CFPB Case # XXXX ( Filed XXXX XXXX, XXXX Forged Signature Appears ) I am updating this complaint with new documentation and my sworn Identity Theft Affidavit submitted on XX/XX/XXXX. The contract now includes a forged signature that was not present on earlier versions, and the name XXXX XXXX appears on associated records. This is unauthorized and fraudulent. The continued false reporting is negligent and has violated FCRA. Ive experienced XXXX XXXX XXXX XXXX XXXX XXXX. Im demanding {$10000.00} in damages under FCRA Sections 616 & 617. Documents previously submitted by certified mail ; new findings and affidavit are attached. 



Update for CFPB Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting and Name Mix-Up Continues ) I am providing a further update with details from XXXX and XX/XX/XXXX. XXXX XXXX and Experian continue to report false information on this XXXX XXXX XXXX XXXX shows inconsistencies in balance amounts, payment statuses, and derogatory remarks. The name XXXX XXXX and a forged signature are still associated with the file. I filed an Identity Theft Affidavit on XX/XX/XXXX and previously submitted certified dispute letters. Im demanding {$10000.00} in damages due to severe XXXX XXXX XXXX XXXX XXXX XXXX These are violations of FCRA and consumer protection laws.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX, Ive disputed a fraudulent XXXX account showing a different persons name XXXX XXXX XXXX  ) and a forged signature. The same contract was unsigned in XXXX and mysteriously signed by XXXX. Ive filed 3 prior CFPB complaints : XXXX, XXXX, and XXXX. Despite this, XXXX and the credit bureaus continue to report the account inaccurately, causing me severe emotional distress, XXXX XXXX  and disruption to my daily life and education. I submitted an Identity Theft Affidavit on XX/XX/XXXX. Im demanding {$10000.00} in damages under FCRA Sections 616 and 617. My supporting documents are attached. 

Update for CFPB Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No Signature on Contract ) I am submitting an update with new evidence and an Identity Theft Affidavit filed on XX/XX/XXXX. This account is being falsely reported under my name, even though the contract originally received was unsigned. Ive now been sent a different version with a forged signature and another persons name ( XXXX XXXX ). This repeated mishandling is fraudulent, in violation of FCRA Sections 616 and 617. It has caused me XXXX XXXX XXXX, and disruption to my life and education. I am demanding {$10000.00} in damages for emotional harm and repeated FCRA violations. Supporting documents will be attached. 



Update for CFPB Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Forged Signature Appears ) I am updating this complaint with new documentation and my sworn Identity Theft Affidavit submitted on XX/XX/XXXX. The contract now includes a forged signature that was not present on earlier versions, and the name XXXX XXXX appears on associated records. This is unauthorized and fraudulent. The continued false reporting is negligent and has violated FCRA. Ive experienced emotional distress, XXXX XXXX XXXX XXXX. Im demanding {$10000.00} in damages under FCRA Sections 616 & 617. Documents previously submitted by certified mail ; new findings and affidavit are attached. 



Update for CFPB Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting and Name Mix-Up Continues ) I am providing a further update with details from XXXX XXXX XXXXXX/XX/XXXX. TransUnion, XXXX and XXXX  continue to report false information on this XXXX account. XXXX XXXX shows inconsistencies in balance amounts, payment statuses, and derogatory remarks. The name XXXX XXXX and a forged signature are still associated with the file. I filed an Identity Theft Affidavit on XX/XX/XXXX and previously submitted certified dispute letters. Im demanding {$10000.00} in damages due to severe XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are violations of FCRA and consumer protection laws.

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 2025-05-02 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I dont know this debt at all I believe my information was in compromise with other people lead to this debt being under my credit. I never had business dont even know whos responsible for the debt

Company response to consumer: Closed with explanation