vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
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 16XXXX, 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 2025-07-03 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: ND

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: PA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt is invalid. It should never have reached collections. The collection account reported by XXXX XXXX XXXX regarding a supposed financial obligation to XXXX XXXX XXXX XXXX is inaccurate, unauthorized, and unverifiable. 
While I may have XXXX  XXXX XXXX XXXX  at one point, I was never informed of any outstanding balances or contracts that would lead to a third-party collection. I received no notification, billing cycle, agreement, invoice, or even a courtesy message explaining the nature of this supposed debt. I had XXXX opportunity to verify or resolve any issue directly with the institution. The fact that this entry bypassed all forms of due process and ended up tarnishing my credit report is unacceptable. 
The entry is vague, lacks transparency, and remains unvalidated. This is a textbook example of misinformation that the FCRA was designed to protect against. Under 15 U.S.C. 1681c-2, any consumer is entitled to request that information resulting from identity theft or unauthorized activity be blocked. The collection account in question meets that standardthere is no agreement bearing my signature, no itemized balance, and no verifiable Credit Dispute Letter proof that this collection should exist. 
It has already been marked as " Paid Collection '' yet still registers as derogatory and impacts my credit report negatively. How can a paid debtone that was never agreed uponstill function as an obstacle to my financial freedom? I demand its deletion on all XXXX  credit reports.

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 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal and urgent second dispute regarding a fraudulent collection account currently appearing on my credit report. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), I am demanding an immediate investigation and full validation of the following account : Creditor or Collection Agency Name : XXXX XXXX INT Account Number : XXXX Amount : {$790.00} Date of Account : XXXX I did not authorize this account, nor do I recognize the alleged debt. I strongly assert that this account is fraudulent and has no connection to me. Its presence on my credit report is causing unjust damage to my creditworthiness. 

Under Section XXXX of the FDCPA, you are legally required to provide me with written verification of this debt. This includes a copy of the original contract bearing my signature and a full accounting of the amount allegedly owed. Until such proof is provided, you are not permitted to report or continue reporting this debt to any credit reporting agency under federal law. 

If you can not provide such verification within the legally allotted time ( XXXX  days from receipt of this notice ), you are required by law to remove the account entirely from my credit report and cease any further collection activities. 

This letter serves as both a formal dispute and a demand for validation. Failure to comply with your legal obligations under the FCRA and FDCPA XXXX result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I reserve the right to pursue legal remedies if necessary. 

Please confirm in writing that the account has been deleted or provide the legally required validation documentation.

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 2025-07-03 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX . Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
In XXXX and XX/XX/year>, I noticed that TransUnion and Equifax were reporting outdated and incorrect account balances for my XXXX  XXXX credit card. My actual balance, as of early XXXX, is {$1600.00}, but both bureaus were still reporting an amount of {$1700.00}. Experian reported an even higher amount of {$2600.00}, even though I paid it down, and it's no longer in Derogatory. All XXXX bureaus also mention that I have a XXXX  XXXX credit card ending in XXXX with a balance of {$410.00} ; however, the only accounts I have are my XXXX account and XXXX XXXX account. My FICO score is XXXX ; however, my XXXX score is significantly lower. On TransUnion, it shows that the Experian score is XXXX, but when I called Experian, they said that the score was XXXX and shows incorrect payment information. I also paid off my loan for XXXX, and that needs to be updated on all of these bureaus as well. These inaccurate and outdated reports are preventing me from getting approved for housing, even though my current score and balances meet the qualifications. I am requesting that TransUnion and Equifax immediately update my XXXX XXXX account to reflect the correct balance and ensure that all scoring models reflect the accurate information

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 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I am writing to formally document XXXX unacceptable handling of my refund. I cancelled a XXXX order on XX/XX/XXXX totaling {$67.00}. I was told it was an authorization hold and that the funds would return to my account shortly. It is now XX/XX/XXXX and the money has still not been returned. 

The order was made using a temporary card ending in XXXX. I later received a permanent card ending in XXXX, but the refund has not been issued to either card. 

Serves automated response pointing me to FAQs like ATM locators and PIN resets is completely unhelpful and unprofessional. This is not a direct deposit or fraud case this is a simple refund thats now been delayed over XXXX weeks with no human follow-up. 

Because this delay has disrupted my plans and caused significant XXXX, I am requesting the following : XXXX release of the {$67.00} refund to my account. 
A direct explanation for the delay and mishandling. 
Compensation consideration for the disruption caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing this complaint against Southwest Credit Systems for attempting to collect a debt allegedly owed to XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) by contacting me via text message without providing a legally required written notice. 

On or about XX/XX/year>, I received a text stating Southwest Credit Systems was servicing a toll balance on behalf of XXXX. The message included links to payment portals but did not include a notice of debt validation rights or inform me of my ability to dispute the debt within 30 days. 

They have not provided any written documentation as required by the FDCPA ( 15 U.S.C. 1692g ). I have requested proof of the debt, including a signed agreement, via certified mail.

This text communication may constitute a violation of the FDCPA and Regulation F. I respectfully request your agency investigate this matter and ensure that my consumer rights are protected.

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

Complaint narrative:
The details of the disputed account are as follows : XXXX, Account Number ( or last 4 digits ) : XXXX This charge-off is being reported inaccurately for the following reasons : 1. Unverified Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation into disputed items. I request that you provide written verification of this charge-off, including documentation from the original creditor proving its validity. If the the original creditor can not verify the charge-off, it must be deleted immediately per 15 U.S.C.

1681i ( a ) ( 5 ) ( A ).

2. Inconsistent Reporting If there are any discrepancies between how this charge-off is reported across different credit bureaus, this may be a violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Unlawful Balance Reporting If the charge-off is still reporting a balance, this may be an FCRA violation, as charged-off accounts should not continue to accrue new interest or fees if sold to a collection agency. If applicable, I request that you correct or remove any inaccurate balance.

If this charge-off can not be properly verified within 30 days, as required by the FCRA, then this item must be removed from my credit report. If you determine that the charge-off is valid, please provide a detailed explanation, including the name and contact information of the entity that verified the account.

You are required by federal law to verify- through the physical verification of the original signed consumer contract- and all accounts you post on a credit report. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ).

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom it XXXX concern : I am writing to you to dispute the status of multiple XXXX  card accounts listed in the attached affidavit. The information is inaccurate because of identity theft. Please see attached affidavit.

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