vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding the inaccurate and unverifiable reporting of the XXXX XXXX XXXX  ( XXXX ) collection account on my credit reports. The significant inconsistencies and lack of verifiable information are causing undue harm to my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX XXXX  ( XXXX ) Account Number ( as it appears on XXXX ) : XXXX Nature of the Complaint : I am disputing the reporting of this collection account due to the following critical inaccuracies and its unverifiable nature : XXXX Inconsistent Reporting Across Bureaus : XXXX XXXX Reports detailed information including an " Open '' account status with a " Collection/Chargeoff '' payment status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>. 
XXXX : XXXX minimal information with a " Closed '' account status and a " Derogatory '' rating, but is missing key dates and other details. 
Equifax : XXXX minimal information with an " XXXX '' account status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>, but is missing other crucial details. 
XXXX Account XXXX on XXXX : XXXX lists the account as " XXXX '' while simultaneously indicating it's in " Collection/Chargeoff. '' This is illogical and demonstrates inaccurate reporting. 
XXXX " Date Opened '' : XXXX and Equifax report different " Date Opened '' values ( XX/XX/year> vs. XX/XX/year> ), further highlighting the unreliability of the reported information. XXXX does not report this date. 
XXXX of Verifiable Information : The significant discrepancies and missing data, particularly from XXXX and Equifax, raise serious doubts about the ability to verify the accuracy and legitimacy of this collection account. 
XXXX XXXX : Given the inconsistent and incomplete reporting, I contend that this collection account is unverifiable and should be removed from my credit reports. 

XXXX XXXX XXXX Credit Bureaus : XXXX, XXXX, and Equifax : Failure to report consistent and accurate information for this collection account. 
Reporting contradictory account statuses ( specifically XXXX ). 
Providing incomplete and unverifiable information ( specifically XXXX and Equifax ). 
Reporting a derogatory collection account with questionable accuracy.

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 2025-04-10 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding the inaccurate and unverifiable reporting of the XXXX XXXX XXXX  ( XXXX ) collection account on my credit reports. The significant inconsistencies and lack of verifiable information are causing undue harm to my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX XXXX  ( XXXX ) Account Number ( as it appears on XXXX ) : XXXX Nature of the Complaint : I am disputing the reporting of this collection account due to the following critical inaccuracies and its unverifiable nature : XXXX Inconsistent Reporting Across Bureaus : XXXX XXXX Reports detailed information including an " Open '' account status with a " Collection/Chargeoff '' payment status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>. 
XXXX : XXXX minimal information with a " Closed '' account status and a " Derogatory '' rating, but is missing key dates and other details. 
Equifax : XXXX minimal information with an " XXXX '' account status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>, but is missing other crucial details. 
XXXX Account XXXX on XXXX : XXXX lists the account as " XXXX '' while simultaneously indicating it's in " Collection/Chargeoff. '' This is illogical and demonstrates inaccurate reporting. 
XXXX " Date Opened '' : XXXX and Equifax report different " Date Opened '' values ( XX/XX/year> vs. XX/XX/year> ), further highlighting the unreliability of the reported information. XXXX does not report this date. 
XXXX of Verifiable Information : The significant discrepancies and missing data, particularly from XXXX and Equifax, raise serious doubts about the ability to verify the accuracy and legitimacy of this collection account. 
XXXX XXXX : Given the inconsistent and incomplete reporting, I contend that this collection account is unverifiable and should be removed from my credit reports. 

XXXX XXXX XXXX Credit Bureaus : XXXX, XXXX, and Equifax : Failure to report consistent and accurate information for this collection account. 
Reporting contradictory account statuses ( specifically XXXX ). 
Providing incomplete and unverifiable information ( specifically XXXX and Equifax ). 
Reporting a derogatory collection account with questionable accuracy.

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 2025-04-10 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:
XXXX XXXX DOD : XX/XX/year> SSNXXXX XXXX XXXX XXXXXXXX XXXX  XXXX GA XXXX United States XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I am filing a formal complaint about XXXX accounts from XXXX Bank ( XXXX XXXX and XXXX ) that are still being reported on my Equifax credit report with derogatory statuses. These accounts were : Opened in XXXX Last paid and active in XXXX Charged off and transferred/sold over 6 years ago Have {$0.00} balances Despite this, Equifax continues XXXX report both accounts as " Collection/Chargeoff '' with a last reported date of XX/XX/XXXX, which is misleading and inaccurate. Reporting charged-off, zero-balance accounts as active derogatory tradelines more than 7 years later is in violation of the Fair Credit Reporting Act ( FCRA ). 

These same accounts have been resolved or suppressed by the other credit bureaus. There is no justifiable reason for Equifax to continue updating these accounts with derogatory remarks when : They are past the XXXX credit reporting limit They reflect {$0.00} balances They were sold or transferred No new activity has occurred since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Management Associates
State: NJ

Complaint narrative:
I am filing this complaint regarding a collection account that XXXX XXXX XXXX XXXX reported on my credit file without first providing proper validation of the debt. 

They attempted to contact me via mail, but I did not respond, and they proceeded to report the debt to the credit bureaus without verifying its validity or giving me an adequate opportunity to dispute it which I understand is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ). 

Under the law, if a consumer requests validation or if the debt is disputed, the collector must cease collection activity including credit reporting until they provide proper verification of the debt. I did not receive any documentation confirming that the debt is mine, nor was I given the information required by law to verify it. 

I am requesting the CFPB investigate this matter and ensure XXXX XXXX XXXX XXXX : Provides proper validation of the debt, including the original creditor, amount, and itemization. 
Removes the account from my credit report until such validation is provided. 
Ceases all collection activity until compliance with federal consumer protection laws is met. 
Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I have several inquiries about my credit report that I did not make. I call the companies and they do not delete them. I tell them that I am a victim of fraud and they do not respond. Please. 

I request that you please be removed from my credit report. 


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

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 2025-04-10 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:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 2025-04-10 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-10 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: MI

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-10 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: TN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
The re-aging of accounts is illegal and is in direct violation of my consumer rights. XXXX BANK [ among others ] keeps reappearing on my report negatively affecting my credit and my credit utilization. I have filed a complaint with the FTC since my rights are continuously being violated. Equifax failed to conduct a timely or reasonable reinvestigation, nor did they delete or correct the inaccurate data. This neglect is not only noncompliantits intentional. 
Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : Despite being formally notified of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-10 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: MI

Complaint narrative:
Subject : FORMAL DEMAND FOR REINVESTIGATION AND DELETION ACCOUNT # XXXX This letter is a formal dispute and demand for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) regarding the account reported by XXXX XXXX XXXX, which claims to be a debt buyer for XXXX XXXX XXXX 

The following account information is inaccurate, incomplete, and unverifiable, and must be immediately reinvestigated and DELETED from my credit file : XXXX XXXX XXXX / XXXX XXXX XXXX. 

Account # : XXXX Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection/Charged Off Reported by TransUnion, Experian, and Equifax DEMANDS : Reinvestigate and verify all information associated with this account with actual documentation from the original creditor ( XXXX XXXX XXXX ), not merely from XXXX XXXX. 

Send me the full contract or agreement bearing my original wet signature evidencing this alleged obligation. 

Provide the full history of this account, including payments, account activity, and assignment history. 

Cease and desist from reporting unverifiable or inaccurate information. 

Send me written proof of the investigation results, or remove this account within 30 days. 

VIOLATIONS : Reporting of inaccurate information in violation of 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i Continuing to report unverifiable information constitutes willful noncompliance and entitles me to statutory damages per 15 U.S.C. 1681n If this account is not verified with proper documentation, I demand its immediate deletion from all credit files maintained under my name. This letter also serves as official notice that I will pursue legal action and report violations to the Consumer Financial Protection Bureau ( CFPB ) and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
Subject : FORMAL DEMAND FOR REINVESTIGATION AND DELETION ACCOUNT # XXXX This letter is a formal dispute and demand for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) regarding the account reported by XXXX XXXX XXXX, which claims to be a debt buyer for XXXX XXXX XXXX 

The following account information is inaccurate, incomplete, and unverifiable, and must be immediately reinvestigated and DELETED from my credit file : XXXX XXXX XXXX / XXXX XXXX XXXX. 

Account # : XXXX Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection/Charged Off Reported by TransUnion, Experian, and Equifax DEMANDS : Reinvestigate and verify all information associated with this account with actual documentation from the original creditor ( XXXX XXXX XXXX ), not merely from XXXX XXXX. 

Send me the full contract or agreement bearing my original wet signature evidencing this alleged obligation. 

Provide the full history of this account, including payments, account activity, and assignment history. 

Cease and desist from reporting unverifiable or inaccurate information. 

Send me written proof of the investigation results, or remove this account within 30 days. 

VIOLATIONS : Reporting of inaccurate information in violation of 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i Continuing to report unverifiable information constitutes willful noncompliance and entitles me to statutory damages per 15 U.S.C. 1681n If this account is not verified with proper documentation, I demand its immediate deletion from all credit files maintained under my name. This letter also serves as official notice that I will pursue legal action and report violations to the Consumer Financial Protection Bureau ( CFPB ) and FTC.

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 2025-04-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX  XXXX BALANCED {$3700.00} XXXX ( Original Creditor : XXXX LEAD BANK ) XXXX BALANCED {$2300.00} XXXX ( Original Creditor : XXXX SPEEDYCASH ) XXXX BALANCED {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX BALANCED {$920.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX BALANCED {$460.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX BALANCED {$680.00} XXXX FCU - XX/XX/year>

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