vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-08 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: MO

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$75000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$7100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2500.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$690.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$660.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$500.00}, XXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$220.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-08 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: MO

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$75000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$7100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2500.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$690.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$660.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$500.00}, XXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$220.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CO

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-03-08 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: TX

Complaint narrative:
Please take this complaint seriously, as it was not submitted in error. My credit report contains mixed information, and I have repeatedly discovered unknown accounts, transactions, and items that have no connection to me. This ongoing issue is deeply concerning and has caused me significant XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
Summary of What Happened & Desired Resolution I am filing a formal dispute and complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by XXXXl XXXX, XXXX XXXX, and credit bureaus. 

What Happened : XXXX XXXX XXXX XXXX XXXX Illegally Reporting Canceled Debt These creditors issued Form 1099-C, canceling my debt, meaning they legally discharged it.

Despite this, they continue reporting these accounts as active, damaging my credit score.

This is a direct violation of IRS regulations, FCRA laws, and consumer rights.

Unauthorized Hard Inquiries on My Credit Report My report shows several unauthorized hard inquiries from financial institutions I never applied with.

These were done without my consent, violating federal law.

False & Outdated Information in My Credit Report My report lists multiple name variations, incorrect personal details, and errors that could cause identity confusion.

Credit bureaus have failed to fix these inaccuracies, despite my disputes.

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 2025-03-08 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:
Please take this complaint seriously, as it was not submitted in error. My credit report contains mixed information, and I have repeatedly discovered unknown accounts, transactions, and items that have no connection to me. This ongoing issue is deeply concerning and has caused me significant XXXX  and 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MS

Complaint narrative:
15 USC 1692CC if a consumer notified a debt collector he or she have to preside a sign document showing that the debt belongs to the creditor. from the day the communication start up to 30 days if no response or proof of documents it should be removed from the credit report.its not lawful to sale your account to a XXXX party without you consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I am filing this complaint because multiple creditors and credit bureaus have engaged in unlawful debt reporting, collection, and credit violations, resulting in financial harm and unfair treatment.

Despite my debts being legally discharged as confirmed by IRS Form 1099-C ( Cancellation of Debt ), the involved creditors continue to report these accounts as delinquent or active on my credit report, in violation of the Fair Credit Reporting Act ( FCRA - 15 USC 1681 ), Fair Debt Collection Practices Act ( FDCPA - 15 USC 1692 ), and Truth in Lending Act ( TILA - 15 USC 1601 ).

What Went Wrong : Debts that were canceled via 1099-C are still being reported as delinquent and open.

This misrepresentation falsely impacts my creditworthiness.

Accounts that should have aged off after 7 years are being illegally " re-aged '' to appear new.

This unfairly extends the impact of negative accounts beyond legal limits.

Creditors are reporting new late payments on accounts that are closed.

A closed account should not accumulate new negative marks.

Debt collectors are attempting to collect on time-barred debts beyond the statute of limitations.

These debts are legally uncollectible but remain on my reports.

Creditors pulled hard inquiries without my authorization.

Unauthorized credit inquiries damage my credit and violate FCRA.

Debts are being reported without proper validation or proof.

This violates FDCPA, as creditors must validate debts before 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 2025-03-08 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: CT

Complaint narrative:
I received notice that I owe XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in regards to acct 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 I informed them that I was exercising my right to discharge debt under XXXX XXXX XXXX. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I asked the man to stop calling my daughter about my bill. He told me to learn pay my bills. I asked for letter he said no. When I asked if my daughters number was off my account he said again start paying my bills. He said if I didnt give him credit card on file he would give my account to lawyer and they will garnish my wages and he wouldnt tell me if he took my daughters number off bc they were calling her giving her information The total bill was {$3100.00} the balance I owe is {$1900.00} plus at that time I had to find new place live.

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 2025-03-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NV

Complaint narrative:
This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all legal elements and sign my and take into account all documents and errors. 

the debt collection company : XXXXXXXX XXXX XXXX  Account number : 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 2025-03-08 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: GA

Complaint narrative:
According to my Discover Credit Card, it says that it had been charged off on XX/XX/year> for the amount of {$810.00} which led to me having an collection of {$810.00} needing to be paid. However, I have been paid that amount of {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
What Happened : Unauthorized Hard Inquiries on My Credit Report Several companies, including XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, accessed my credit report without my authorization, violating 15 U.S.C. 1681b. 
These unauthorized inquiries have negatively impacted my credit score. 
Failure to Remove Canceled Debt from My Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX issued IRS Form 1099-C, indicating debt cancellation, yet they continue to report the accounts as outstanding on my credit report. 
This is a direct violation of 15 U.S.C. 1681s-2, which requires furnishers to accurately update consumer credit reports. 
Failure to Validate Debt After Dispute Requests Under 15 U.S.C. 1692g, I requested debt validation from these creditors, but they failed to provide documentation proving I owe the amounts they are reporting. 
Despite failing to validate the debt, they continue collection and negative reporting, which is unlawful. 
Ongoing Credit and Financial Damage These violations have caused damage to my credit score, financial hardship, and emotional distress. 
The continued misreporting prevents me from securing loans, credit approvals, and financial opportunities.

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