vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian 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 about 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is an addition to my initial complaint against XXXX XXXX XXXX XXXX XXXX and its client, XXXX XXXX, regarding a disputed debt of {$730.00}. 

XXXX XXXX XXXX was initially called to validate the debt. I was unaware or told that the account would automatically go into dispute once I did so, until after the dispute started. I did not want to dispute the debt at the time ; I wanted to receive validation. 

I previously submitted a written request for full validation of this debt. In response, XXXX XXXX XXXX sent me a letter dated XX/XX/year>, stating that they contacted XXXX XXXX, which confirmed my name, address, and balance. They attached a copy of a final XXXX XXXX bill as proof. 

However, this is not valid debt validation under the Fair Debt Collection Practices Act ( FDCPA ). The letter does not include : A signed contract or agreement showing I am legally responsible for the debt, proof that XXXX XXXX XXXX has the right to collect on this account. 

A full breakdown or explanation of the charges being claimed. 

Any supporting evidence that the amount owed is accurate and complete. 

The only attachment provided is a bill summary, which does not satisfy the requirement for proper validation. I specifically requested a full investigation and documentation, and this generic response fails to meet legal standards. 

Additionally, I am concerned that this debt was previously removed and reinserted on my credit report without notice, in violation of the Fair Credit Reporting Act ( FCRA ). I did not receive any notification of reinsertion, and no further investigation was conducted despite my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
This is an addition to my initial complaint against XXXX XXXX XXXX XXXX XXXX and its client, XXXX XXXX, regarding a disputed debt of {$730.00}. 

XXXX XXXX XXXX was initially called to validate the debt. I was unaware or told that the account would automatically go into dispute once I did so, until after the dispute started. I did not want to dispute the debt at the time ; I wanted to receive validation. 

I previously submitted a written request for full validation of this debt. In response, XXXX XXXX XXXX sent me a letter dated XX/XX/year>, stating that they contacted XXXX XXXX, which confirmed my name, address, and balance. They attached a copy of a final XXXX XXXX bill as proof. 

However, this is not valid debt validation under the Fair Debt Collection Practices Act ( FDCPA ). The letter does not include : A signed contract or agreement showing I am legally responsible for the debt, proof that XXXX XXXX XXXX has the right to collect on this account. 

A full breakdown or explanation of the charges being claimed. 

Any supporting evidence that the amount owed is accurate and complete. 

The only attachment provided is a bill summary, which does not satisfy the requirement for proper validation. I specifically requested a full investigation and documentation, and this generic response fails to meet legal standards. 

Additionally, I am concerned that this debt was previously removed and reinserted on my credit report without notice, in violation of the Fair Credit Reporting Act ( FCRA ). I did not receive any notification of reinsertion, and no further investigation was conducted despite my request.

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 2025-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to or authorize this company to access my credit information. This unauthorized inquiry is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been severely affecting both my life and my credit score, preventing me from achieving financial freedom and stability.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-29 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: Mid-Atlantic Finance Co., Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and discovered several hard inquiries from the companies listed above that I did not authorize. I have never applied for credit with these companies, nor did I give permission for them to access my credit file. These inquiries are unauthorized and are negatively impacting my credit score. I am requesting that each of these hard inquiries be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-29 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: NJ

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
XXXX reported a {$20.00} balance on my credit report dating back to XXXX. I tried multiple times to pay this {$20.00}, but my XXXX account was closed and I had no way to pay. I contacted XXXX, and a representative cleared the {$20.00} balance and told me the account would be deleted from all credit bureaus. 

Despite this, XXXX, XXXX, and TransUnion are still reporting the account. I have been disputing this with the bureaus since XXXX, but no one has corrected the inaccurate information. XXXX  own records now show a {$0.00} balance, which I have attached as proof. 

This account should be * * completely deleted * * from my credit reports, as the {$20.00} balance was cleared, I was prevented from paying it sooner due to XXXX actions, and continued reporting is inaccurate and misleading.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reported a {$20.00} balance on my credit report dating back to XXXX. I tried multiple times to pay this {$20.00}, but my XXXX account was closed and I had no way to pay. I contacted XXXX, and a representative cleared the {$20.00} balance and told me the account would be deleted from all credit bureaus. 

Despite this, XXXX Equifax, and XXXX  are still reporting the account. I have been disputing this with the bureaus since XXXX, but no one has corrected the inaccurate information. XXXX  own records now show a {$0.00} balance, which I have attached as proof. 

This account should be * * completely deleted * * from my credit reports, as the {$20.00} balance was cleared, I was prevented from paying it sooner due to XXXX  actions, and continued reporting is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reported a {$20.00} balance on my credit report dating back to XXXX. I tried multiple times to pay this {$20.00}, but my XXXX account was closed and I had no way to pay. I contacted XXXX, and a representative cleared the {$20.00} balance and told me the account would be deleted from all credit bureaus. 

Despite this, Experian, XXXX, and XXXX  are still reporting the account. I have been disputing this with the bureaus since XXXX, but no one has corrected the inaccurate information. XXXX  own records now show a {$0.00} balance, which I have attached as proof. 

This account should be * * completely deleted * * from my credit reports, as the {$20.00} balance was cleared, I was prevented from paying it sooner due to XXXX  actions, and continued reporting is inaccurate and misleading.

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 2025-07-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request full validation of this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, I am asserting my right to dispute the completeness and accuracy of this account as it appears on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to or authorize this company to access my credit information. This unauthorized inquiry is causing me significant stress and concern.

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 2025-07-29 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue : Failure to comply with FCRA 605C XXXX XXXX Block Request I sent a certified letter to Experian requesting that they block the adverse information on my credit report that resulted from XXXX XXXX  and they failed to reply or comply with my 605C request. 

Details : On XX/XX/year>, Experian received my formal request under 15 U.S.C. 1681c-3 ( FCRA 605C ) to block adverse information on my credit report that resulted from XXXX XXXX 
I provided proof of victim status via an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX as well as a letter from a treatment center that I received treatment from. I also included a letter for each of the items I requested to block. 

USPS tracking confirms delivery to Experians mail room on XX/XX/year>XXXX  ( XXXX XXXX. XXXX ). 

The law requires Experian to block reporting within 4 business days of receiving documentation. 

Experian has failed to comply or reply to my request and continues to report derogatory items related to the XXXX, causing ongoing harm. I am trying to purchase a home and these things are severely damaging my credit which is hindering my chances to purchase a home for my family.

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