vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 



To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-03-07 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: WA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 Experians violated 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 2025-03-07 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: TX

Complaint narrative:
TransUnion has failed to fulfill his legal obligation under the fair credit reporting at to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved. The consumer, financial protection Bureau has recently filed a lawsuit against Trans Union alleging systemic issues such as failed to forward. Consumer provided evidence to furniture, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where my trans union has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit stand. I am requesting immediate corrective action to remove or amend the disputed accounts as a transunion in action, violates federal law and 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 2025-03-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my original creditor, XXXX XXXX, issued a Form 1099-C ( Cancellation of Debt ) for an auto loan, officially recognizing the debt as canceled under 26 U.S.C. 6050P. According to IRS Notice 2012-65, once a 1099-C is issued, the debt is considered canceled, and the creditor should no longer report it or attempt collection. 

Despite this, the account remains on my credit report, negatively impacting my credit score. I disputed the inaccurate reporting with Experian, but they have failed to correct or delete the account. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) ( FCRA ) Credit bureaus must ensure maximum accuracy, yet they continue to report a canceled debt. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) Data furnishers can not report inaccurate information, and reporting a canceled debt is misleading. 
15 U.S.C. 1692e ( 8 ) ( FDCPA ) Prohibits reporting false or misleading information, including a debt that has been legally canceled. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit bureaus must conduct a reasonable investigation when a consumer disputes an account. By failing to properly investigate and remove this account, Experian is in violation of federal 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 explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. Thank you for the prompt attention to 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and U.S mail sent thereof.

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 2025-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Unisa, Inc
State: CA

Complaint narrative:
Im filing a complaint against XXXX XXXX and XXXX XXXX for fraudulent loan practices. My XXXX  course had an income-share repayment agreementunder {$40000.00} yearly income, no repayment required. The loan transferred from XXXX XXXX XXXX to XXXX, with XXXX handling verification. XXXX overrode my employment data, falsely claiming I earn {$3300.00} monthly since XX/XX/XXXX. XXXX unemployedmy XXXX taxes show {$4500.00}, XXXX taxes show {$8400.00}, nowhere near {$40000.00}. This override is admitted in my XXXX account, and theyre charging me over $ XXXX  monthly despite this. XXXX demands tax submissions but provides no portal. Both neither respond to calls or emails for over a month. This is predatory and illegalinvestigate and stop them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : URGENT Dispute of Unauthorized Hard Inquiries Dear Experian Dispute Department, I am writing to formally dispute several unauthorized hard inquiries on my Experian credit report. Upon reviewing my credit file, I identified multiple inquiries that I did not authorize, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 604. These inquiries have negatively affected my credit standing and were conducted without my explicit consent. 

The unauthorized inquiries in question are : 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  ) Legal Basis for Removal : The FCRA mandates that credit reporting agencies maintain only accurate and verifiable information. Since I did not initiate or authorize these inquiries, I demand their immediate removal from my credit report. Failure to remove unauthorized inquiries violates FCRA 609 ( right to full disclosure ) and FCRA 611 ( duty to reinvestigate disputed information ).

Action Requested : Immediately delete the unauthorized inquiries listed above from my Experian credit report. 
Provide documentation of the permissible purpose for each of these inquiries. If no such documentation exists, these inquiries must be removed immediately per FCRA compliance. 
Provide me with a corrected copy of my credit report once these inquiries have been removed. 
Failure to Comply : If Experian does not remove these inquiries within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for further investigation. I will also consider pursuing legal action for violations of my consumer rights under the FCRA. 

I expect a written confirmation of the removal of these inquiries within the legally mandated timeframe. Please send all correspondence to my mailing address above. 

Sincerely, XXXX XXXX Enclosures :

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 2025-03-07 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: PA

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 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 non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation.

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 2025-03-07 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: MS

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that appear on my credit reports. I did not authorize these inquiries, and I believe they are the result of fraudulent activity. Additionally, I was a victim of a data breach, which may have led to this unauthorized access to my credit information.

I am requesting that these fraudulent inquiries be investigated and immediately removed from my credit reports. Please advise on the next steps to resolve this matter as soon as possible.

Thank you for your prompt attention to this issue.

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 2025-03-07 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: TX

Complaint narrative:
I am filing a formal complaint against Midland Credit Management ( MCM ) for failing to provide the debt validation I requested, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my timely request, MCM has not furnished the necessary documentation to substantiate the alleged debt, yet they continue their collection efforts.

The details of my complaint are as follows : 1. Failure to Validate the Debt On XX/XX/year>, I sent a written request to Midland Credit Management requesting validation of the alleged debt they claim I owe. I asked for a detailed breakdown of the debt, proof that MCM has the legal right to collect it, and any relevant documentation supporting their claim. To date, they have failed to provide the requested validation, they sent some statements of the debt which do not prove this accounts belong to me.

2. Continued Collection Efforts Without Validation Despite failing to validate the debt, MCM has continued its collection activities. This is a direct violation of 15 U.S.C. 1692g ( b ), which prohibits further collection efforts until the debt is properly validated.

3. Negative Credit Reporting MCM has continued to report this unverified debt to the credit bureaus, damaging my credit profile without substantiating its legitimacy. This has caused me financial harm, including, difficulty obtaining credit, higher interest rates, stopped me from qualifying for a home mortgage and stress.

I am requesting that the CFPB investigate Midland Credit Managements failure to comply with federal law and take appropriate regulatory action. Additionally, I request the following resolutions : MCM must cease all collection efforts until they properly validate the debt.

If they can not validate the debt, they must remove any negative reporting associated with it from my credit reports.

Any appropriate fines or penalties should be imposed to ensure compliance with consumer protection laws.

I have attached copies of my written validation request, any responses received and any supporting documentation. Please let me know if you require further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX XXXX has placed a collection account on my credit report without verifying the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my formal requests for validation, they have failed to provide any proof that I owe this debt or have any business relationship with them. Additionally, they have provided false statements to the CFPB and have not responded to requests for verification. And this reporting agency is reporting twice on my credit report as two different debts.

1. Failure to Validate Debt ( 15 U.S.C. 1692g ) Under the FDCPA, I have the right to request debt validation, and they are required to provide proper documentation. They have failed to do so.

2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) Under the FCRA, they are prohibited from reporting unverifiable or false information to credit bureaus.

3. Failure to Respond to Dispute ( 15 U.S.C. 1681i ) Under the FCRA, they must investigate and respond to my dispute within 30 days, which they have failed to do.

4. Unfair & Deceptive Practices ( 15 U.S.C. 45 ( a ) ) By reporting unverified debt and failing to provide proof, they are engaging in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
In XX/XX/year> I XXXX XXXX called Experian after getting my annual credit report about the incorrect information on my report. My report has names on it that are not mine and I have never used, and there are addresses on it that I have never lived at and states I have never lived in.

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 2025-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am extremely disappointed with my experience at Third Federal. They canceled my auto-pay without notifying me, which resulted in a 30-day and 60-day late payment being reported to my credit. I have always set all my accounts to auto-pay to ensure on-time payments, and I have never had a late payment on my credit reportuntil now, due to their mistake.

When I reached out to them to correct this issue, they refused to remove the late marks, even though it was not my fault. This has severely impacted my livelihood, as I am a XXXX XXXX XXXX and now can
not secure the funding I need. Their lack of accountability and unwillingness to fix their own error is unacceptable.

If you value your credit and financial stability, I strongly advise against banking with Third Federal. Their negligence has real consequences, and they do not stand by their customers when they make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Repeated robo calls from different numbers, different times.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation