vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
There are fraudulent charges to existing credit card accounts and the creditor have not made the adjustments in handling the situation. XXXX XXXX made the deletions but XXXX XXXX, XXXX, XXXX did not. According to US code 1681 c-2, the blocking of information resulting from Identity theft should take no more than 4 business days. I am now ready to file a lawsuit again.

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 2025-05-15 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:
There are fraudulent charges to existing credit card accounts and the creditor have not made the adjustments in handling the situation. XXXX XXXX made the deletions but XXXX XXXX, XXXX, XXXX did not. According to US code 1681 c-2, the blocking of information resulting from Identity theft should take no more than 4 business days. I am now ready to file a lawsuit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-15 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy currently showing on my credit report. I have official documentation from the court that clearly confirms this bankruptcy should not have been reported to the credit bureaus in the first place. The fact that it still appears on my credit file despite this court-issued letter is both concerning and disappointing. 

In addition, the presence of an unauthorized third party involved in this matter only adds to the severity and urgency of the situation. This raises serious concerns about the accuracy, security, and overall integrity of the information being reported on my credit file. I kindly request that you carefully review this matter, take the necessary steps to investigate, and ensure that this incorrect bankruptcy entry is promptly and permanently removed from my credit reporT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
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 2025-05-15 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: GA

Complaint narrative:
TransUnion is reporting inaccurate collection/charge-off accounts for FXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX {$400.00} ) XXXX XXXX on my credit report. The reporting of these accounts is highly questionable, given the substantial risk of data inaccuracies and potential data breach incidents that have become increasingly common. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion has a legal obligation to maintain maximum possible accuracy in the consumer information it reports. However, the presence of these questionable accounts, one with a suspicious balance of {$0.00}, strongly indicates a failure to verify the legitimacy and accuracy of the data being reported. Reporting a zero-balance charge-off without clear, documented proof of the original debt, contractual obligations, and a proper accounting of the balance is not only misleading but also potentially unlawful. This oversight can lead to significant financial harm, including higher interest rates, denied credit, and reputational damage.

Additionally, the presence of these potentially inaccurate entries suggests that TransUnion may have failed to adequately investigate the origins of these accounts before including them in my file, as required under 15 U.S.C. 1681i ( a ). This section mandates a reasonable investigation upon receiving a consumer dispute, yet it appears that such an investigation was either not conducted or was grossly inadequate, resulting in the continued presence of these inaccurate entries. Given the growing concerns around data breaches and the mishandling of consumer information, this oversight is particularly concerning and warrants immediate correction.

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 2025-05-15 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: CA

Complaint narrative:
* * Equifax * * XXXX XXXX XXXX XXXX, GA XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * TransUnion * * XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 



Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 



Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-05-15 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: CT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 2025-05-15 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: FL

Complaint narrative:
To Whom It May Concern, Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am formally submitting this complaint regarding fraudulent and unauthorized activity associated with the following accounts, which have been inaccurately reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not opened or authorized by me and are the result of identity theft. Additionally, my personal information was compromised in a data breach, which may have contributed to this fraudulent activity.

In accordance with federal law, I am requesting that these accounts be blocked from my credit report within four ( 4 ) business days. I further request that all related inquiries and negative reporting associated with these accounts be removed. 

Please confirm receipt of this request and advise of any additional documentation required to process it promptly. 

Sincerely, 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 2025-05-15 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: NJ

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me its clearly someone elses, and its being mixed in with my information. This is a serious error.

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 2025-05-15 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: NC

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

Company 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 2025-05-15 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: NC

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

Company 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 2025-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I made my XX/XX/year> payment online to XXXX ( sold to Mr Cooper ) in the amount of {$350.00} ( amount shown due ). My account reflects that I owe {$450.00} due XX/XX/year>. I've called XXXX 3 times attempting to get my account corrected to reflect what I should owe as of XX/XX/year>. On XX/XX/year> a statement was released by XXXX showing I have a past due amount of {$450.00} plus an additional amount due of {$270.00} for a total of {$730.00} due on XX/XX/year>. And they're about to charge a late fee on for the XXXX payment. Again, I have called 3 times, as of this morning I spoke with a XXXX and she flat out told me, there is nothing they can do ( it's in process ) mind you this process has been supposedly in the fix since the XXXX of XXXX. On the XXXX someone called and she sent me a letter stating I owe {$68.00}, this morning the XXXX told me it's {$30.00} and some change. I am not able to make any payment other than the {$450.00}, I am not able to get any resolution to my account being corrected, and they continue to add on charges and soon to be late fee 's. And I'm being told there is nothing they can do about it, I need to let it run it's course until it gets " fixed ''. I don't feel that's acceptable, I have never made a late payment, never missed a payment, and now because my loan has been sold and it's approaching the 60 day mark, I'm going to be charged late fee 's. This can eventually negatively impact my credit and any future business I may need to have getting a home loan in any format. I can't imagine I'm the only individual out of the thousands that have had their loan sold to Mr Cooper is experiencing this. This is unacceptable business practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that Debt Sequiim has reported to my credit file.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt.

Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it. 
To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists.

Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect.

Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection.

Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account.

Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C.

1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details.

Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided.

Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions.

All responses must be sent in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$67.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company is refusing to update my credit report. They have not updated my payments or status since XX/XX/2025. I have to called to have it updated every month now they are not reporting it at all and I need the information updated it's important.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 non-monetary relief