vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-17 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:
Make sure any account under dispute is removed in keeping with legal requirements.

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 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies in my credit file under my rights provided by FCRA 611 ( 15 U.S.C. 1681i ), FDCPA 809, 807, 808, FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ). My name has been incorrectly reported across various accounts as XXXX XXXX EX and XXXX XXXX EQ, which are not my legal or current names, causing confusion with my credit history. My addresses are also listed inaccurately, including XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX TU, XXXX XXXX XXXX XXXX, XXXX, FL XXXX TU, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX EX, XXXX XXXX XXXX XXXX XXXX, FL XXXX EX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX EQ, and XXXX XXXX XXXX, XXXX XXXX FL XXXX EQ, none of which fully reflect my current or historical residences, violating my right to accurate identification and location data. Collections accounts are reported inaccurately and without proper validation : XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a balance of {$1100.00} on my TransUnion report, and XXXX  ( original creditor : XXXX XXXX XXXX ) shows the same balance, {$1100.00}, on my Equifax report. I have not received proper verification for these debts as required by FDCPA 809, nor full disclosure of account details under FCRA 609 ( a ) ( 1 ). Some accounts appear obsolete or beyond the allowable reporting period under FCRA 605 ( a ) and 605 ( c ), and the date of first delinquency ( DOFD ) is either inaccurate or missing, violating FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ). These reporting practices are misleading and unfair, in violation of FDCPA 807 and 808.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
This complaint is being submitted to report multiple violations and inaccuracies appearing across my Experian, Equifax, and TransUnion credit reports that continue to cause financial harm and misrepresent my creditworthiness despite my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681e ( b ), and 1681b. All three bureaus are incorrectly reporting XXXX XXXX XXXXXXXX accounts as late closed with {$0.00} balancesspecifically a XXXX XXXX  XXXX account on Experian, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Equifax, and another XXXX XXXX XXXXXXXX account on XXXX though these accounts were closed in good standing and should not reflect derogatory or late statuses. Additionally, XXXX XXXX XXXXXXXX XXXX  is inaccurately reported as a charge-off with a {$0.00} balance on both Experian and TransUnion, which does not accurately reflect my account history and appears as an unlawful and misleading derogatory entry. My reports also contain a series of unauthorized, inaccurate, or duplicative hard inquiries that violate FCRA 604 ( a ) ( 3 ), as they were made without my knowledge or consent. These inquiries include : on ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EquifaXXXX XXXX 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 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 EQUIFAX  XXXX ( XX/XX/XXXX ). These erroneous late closures, inaccurate charge-offs, and unauthorized inquiries violate FCRA 1681e ( b ), 1681i ( a ), and 1681b, and the continued reporting of these items after dispute demonstrates a failure by the bureaus to conduct a lawful, reasonable reinvestigation as required by 1681i ( a ) ( 1 ) ( 6 ). Because these items remain uncorrected and continue to damage my creditworthiness, they represent negligent and willful noncompliance under 1681n and 1681o, and I am requesting immediate intervention by the Consumer Financial Protection Bureau to ensure full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
This complaint is being submitted to report multiple violations and inaccuracies appearing across my Experian, Equifax, and TransUnion credit reports that continue to cause financial harm and misrepresent my creditworthiness despite my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681e ( b ), and 1681b. All three bureaus are incorrectly reporting XXXX XXXX XXXXXXXX accounts as late closed with {$0.00} balancesspecifically a XXXX XXXX  XXXX account on Experian, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Equifax, and another XXXX XXXX XXXXXXXX account on XXXX though these accounts were closed in good standing and should not reflect derogatory or late statuses. Additionally, XXXX XXXX XXXXXXXX XXXX  is inaccurately reported as a charge-off with a {$0.00} balance on both Experian and TransUnion, which does not accurately reflect my account history and appears as an unlawful and misleading derogatory entry. My reports also contain a series of unauthorized, inaccurate, or duplicative hard inquiries that violate FCRA 604 ( a ) ( 3 ), as they were made without my knowledge or consent. These inquiries include : on ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EquifaXXXX XXXX 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 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 EQUIFAX  XXXX ( XX/XX/XXXX ). These erroneous late closures, inaccurate charge-offs, and unauthorized inquiries violate FCRA 1681e ( b ), 1681i ( a ), and 1681b, and the continued reporting of these items after dispute demonstrates a failure by the bureaus to conduct a lawful, reasonable reinvestigation as required by 1681i ( a ) ( 1 ) ( 6 ). Because these items remain uncorrected and continue to damage my creditworthiness, they represent negligent and willful noncompliance under 1681n and 1681o, and I am requesting immediate intervention by the Consumer Financial Protection Bureau to ensure full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$490.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$380.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$330.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

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 2025-11-17 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-11-17 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: AR

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-11-17 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The account comes back as verified without providing the requested information. Moreover reporting different dates across credit bureaus violates FCRA lawsFederal law requires that if information can not be verified, it must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). By continuing to report this account without lawful verification, your bureau is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
National Debt Holdings ( NDH ) acquired a new account of mine on XX/XX/year>. I am filing this complaint due to serious concerns based on NDHs past use of a third-party agency that harassed me and my family. The agency NDH placed my prior account with contacted my relatives, disclosed information about the debt, cursed at me, and used threatening, abusive language, clear FDCPA violations. 

Because NDH chose an abusive agency in the past, I sent NDH a cease-and-desist on XX/XX/year> requesting : No phone contact of any kind No family or third-party contact Written communication only No placement with agencies that contact consumers by phone That my cease-and-desist must transfer to ANY third-party if NDH assigns the account NDH has not acknowledged or responded to my cease-and-desist. Given their past handling and the prior harassment caused by the agency they selected, I am concerned this new account may again be placed with an agency that violates the FDCPA. 

I am requesting the CFPB require NDH to : 1. Confirm my cease-and-desist has been added to ALL accounts they hold related to me 2. Confirm whether the new account has been placed with any third-party agency 3. Ensure NDH does not assign my account to any agency that contacts consumers by phone 4. Ensure NDH and any third-party comply with all FDCPA rules and no contact is made with me or my family I am seeking protection from future contact, harassment, or FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing a complaint against regarding multiple inaccuracies in my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I observed that XXXX XXXX, a charge-off account, is reported with a {$0.00} balance, which violates FCRA 607 ( b ), as the information is not accurate or complete. If this charge-off is no longer valid due to age or has exceeded the allowable reporting period under FCRA 605 ( a ), it should be removed or updated to reflect its true status. Additionally, the Date of First Delinquency ( DOFD ) appears to be missing or incorrect, violating FCRA 623 ( a ) ( 5 ). Furthermore, I found that two XXXX XXXX XXXX XXXX accounts ( XXXX with a balance of {$790.00} and XXXX with a balance of {$2400.00} ) are reported only on Experian and not on TransUnion or Equifax, which violates FCRA 623 ( a ) ( 1 ) ( A ) that mandates accurate and consistent reporting across all bureaus. I also exercise my rights under FDCPA 809 to request debt validation for these child support enforcement accounts, and I demand proof that these debts are valid. If the debts can not be verified, they should be removed from my credit report. These errors are significantly impacting my ability to obtain credit and may be in violation of my rights under both the FCRA and FDCPA.

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 2025-11-17 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: IN

Complaint narrative:
I am submitting this complaint to review and correctect of inaccurate late payment information reported on my credit file for my XXXXXXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

This account is being reported with multiple late payments across all three bureaus that are inaccurate or misrepresented : on Experian, the account shows XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), and XX/XX/XXXX ( 30 days ) ; on Equifax, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) ; and on TransUnion, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( 30 ). These discrepancies demonstrate that the payment history is inconsistent and inaccurately reported, which violates FCRA 1681e ( b ) requiring maximum possible accuracy in reporting.

Under FCRA 1681i ( a ), you are required to promptly investigate disputed information and correct any inaccuracies. I request that all late payments on this account be reviewed and corrected to accurately reflect my true payment history.

Under 1681g ( a ) and 1681m ( a ), I am entitled to a written explanation of the results of your investigation and a corrected copy of my credit report. Reporting inconsistent late payments across multiple bureaus also violates 1681k ( a ), which requires adverse information to be complete, accurate, and verifiable. Failure to correct these errors could be considered negligent or wilful under 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I am submitting this complaint to review and correctect of inaccurate late payment information reported on my credit file for my XXXXXXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

This account is being reported with multiple late payments across all three bureaus that are inaccurate or misrepresented : on Experian, the account shows XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), and XX/XX/XXXX ( 30 days ) ; on Equifax, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) ; and on TransUnion, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( 30 ). These discrepancies demonstrate that the payment history is inconsistent and inaccurately reported, which violates FCRA 1681e ( b ) requiring maximum possible accuracy in reporting.

Under FCRA 1681i ( a ), you are required to promptly investigate disputed information and correct any inaccuracies. I request that all late payments on this account be reviewed and corrected to accurately reflect my true payment history.

Under 1681g ( a ) and 1681m ( a ), I am entitled to a written explanation of the results of your investigation and a corrected copy of my credit report. Reporting inconsistent late payments across multiple bureaus also violates 1681k ( a ), which requires adverse information to be complete, accurate, and verifiable. Failure to correct these errors could be considered negligent or wilful under 1681n and 1681o.

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