vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-06 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$XXXX}, XXXX XXXX XXXX  {$XXXX}, XXXX  XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
EXPERIAN has failed to fulfill it 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 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unfair reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), the CARES Act, and other applicable consumer protection laws. The following accounts contain errors that must be corrected immediately : 1. XXXX XXXX  Credit Card ( Account ending in 279871... ) The account reflects late payments, which should be removed under the CARES Act. If I was affected by XXXX and had an agreement with the creditor for deferral, forbearance, or payment modification, the account was required by law to be reported as current during that period. 

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure the accuracy and completeness of the data they report. If any late payments were reported while I had an agreement in place, they must be immediately removed. 

I am requesting that this account be updated to reflect a Paid as Agreed status with no late payments. 


XXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX... ) This account is listed as Paid, Closed, but it does not specify that it was closed in good standing. 

Under FCRA ( 15 U.S.C. 1681c ), closed accounts must be reported accurately and fairly. The lack of clear reporting misrepresents my credit history and affects my score unfairly.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), it is unlawful for any entity to report misleading or incomplete credit information.

I request that this account be updated to Paid, Closed No Late Payments to reflect the true status.

Request for Investigation & Compliance As required under 15 U.S.C. 1681i, I am requesting an investigation into these inaccuracies and a correction of my credit report. You are legally required to complete this investigation within 30 days and provide a written response.

If these inaccuracies are not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to enforce my rights.

Please update my credit report accordingly and provide written confirmation once the corrections are made.

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 2025-03-06 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Company did not validate the debt properly by the laws of the FCRA and needs to be dimissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-06 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents 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 explanation
Consumer complaint received 2025-03-06 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: DISCOVER BANK
State: MD

Complaint narrative:
There is a " Discover it Student cash Back '' card on my credit report that is NOT mine and I have no knowledge of where it came from. I disputed it both through Discover and XXXX and neither were able to get it off my report. This is now severely affecting my credit score and need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I'm disputing inaccurate personal information on my consumer report. Update my address into XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, and my current employer is XXXX XXXX XXXX. My address and employment details must be updated to reflect accurate and up-to-date information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain maximum possible accuracy in all reported information. Any failure to investigate and correct these errors is a willful non-compliance under 15 U.S.C. 1681n, subject to {$1000.00} per violation. This dispute is submitted for a permissible purpose under 15 U.S.C. 1681b. I demand an immediate investigation, correction of my address and employment records, and written confirmation of these updates.

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 2025-03-06 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: AZ

Complaint narrative:
I AM A VICTIM OF XXXX XXXX, THERE IS CURRENTLY ACCOUNTS ON MY CREDIT REPORT THAT IS IN RESULT OF 605C XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
This is my follow up dispute regarding the inaccurate and invalid account being reported on my credit 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 non-monetary relief
Consumer complaint received 2025-03-06 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: KS

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( TransUnion, XXXX, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-03-06 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: KS

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, Experian, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-03-06 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: EQUIFAX, INC.
State: KS

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, XXXX, and Equifax ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

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 2025-03-06 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation