vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
I recently reviewed my credit report and notice 3 accounts that was not reporting accurately. The Credit bureau has failed to provide proof of each account and failed to delete inaccurate information from my credit report regarding accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX these accounts has been charged off and still reporting inaccurate info. This shows that the credit bureaus failed to reinvestigate information on each accounts 3 times. I have attached proof of the following accounts. 

XXXX  Payment history is not accurate. 
XXXX XXXX payment history is incorrect. 
XXXX XXXXXXXX last payment date is inconsistent with Transunion its showing XX/XX/24 and Experian showing XX/XX/24 and Equifax showing XX/XX/24 We can not say these accounts are 100 % accurate so it is deemed inaccurate and should be deleted and blocked from my report. I am going to seek legal action for refusal of deletion of inaccurate information and account.

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 2025-03-31 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. Accounts details : Account Name : XXXX Account Number : XXXX 2. Account detail : Account 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 explanation
Consumer complaint received 2025-03-31 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: WI

Complaint narrative:
3 yrs l have been trying to fix my credit scores while making on time payments l have paid numerous different credit fix companies. so l can purchase home or try rent a decent home to live due to credit report I am bein denied for closed accounts still showing should be removed. Which seems whenever l start to approach XXXX XXXX credit scores. Something always report or something happens to drop.my credit score Everything does reflect on credit My scores should been reach XXXX XXXX mark are over. Whenever l try trying to apply for establish credit my account drops due to denial. Nothing never approved l have attacted recent denial letter, which shows the given reason why of denied letter shows Trans Union credit report .exsperian reportin records

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 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing in response to the recent verification of the debt under account number XXXX. I dispute the validity of this debt and would like to provide new information that supports my claim. 
The lease agreement provided by your agency does not bear my signature and is, therefore, not a binding document for me. Additionally, I have enclosed proof that I did not reside at XXXX XXXX XXXX during the time period in question. For further verification, I have also included a signed lease agreement from another landlord that shows my actual residence during the relevant dates. 

Failure to Respond or Provide Proof of Ownership is a Violation of the FDCPA : Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until you provide the requested validation of the debt. Additionally, under 15 U.S.C. 1692f, continuing collection activity without proof of ownership and the legal right to collect is an unfair practice, and I would consider it a violation of the FDCPA. 
I request that you forward this information to the original creditor for a more thorough investigation of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Paramount Capital Group, Inc.
State: CA

Complaint narrative:
I filed a dispute on { XXXX, XXXX XXXX } ( XXXX, XXXX XXXX XXXX XXXX ) ( XXXX, PARAMOUNT CAPITAL GROUP ) due to incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX XXXX 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws. 

I would like all reported accounts to be removed corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to request the correction of an account in my file that reflects negative remarks. I see that Experian have already corrected the account by removing the negative remarks and updating it to positive, for which I am very thankful. Please correct the remaining account in Experian from my credit file. Below are the details of the account I would like you to help me correct. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX All XX/XX/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 explanation
Consumer complaint received 2025-03-31 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 sending this complaint to request the correction of an inquiries in my file that reflects negative remarks. I see that TransUnion have already corrected the inquiries by removing the negative remarks and updating it to positive, for which I am very thankful. Please correct the remaining inquiries in TransUnion from my credit file. Below are the details of the inquiries I would like you to help me correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-31 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
Not all loans were forgiving and Im being threatened about collections for student loans I have no knowledge of. Ive been a XXXX XXXX XXXXXXXX  and Public service loans were supposed to be forgiven. Ive been harassed by emails and phone calls. I had to change my number, and apparently there is know record of me having an account setup, but they have all my information somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 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 recently reviewed a copy of my credit report and noticed a fraudulent account on my report. 
XXXX XXXX XXXX XXXX is not mine and need to be removed from my credit immediately, this is a fraudulent account and it's hurting my credit. 
Please remove this account from my credit report Thank you!! 
account number XXXXXXXX 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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
I XXXX XXXX, have made several attempts to receive a credit card from this institution but they will not provide me with a reason of denial. But they have no problem providing support for my business. Im looking to build credit, not receive money. Its a shame and not fair. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XX/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 2025-03-31 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: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate and unverified late payments on multiple accounts that I have previously disputed without resolution. Specifically, my Experian report contains late payment data for the following accounts : XXXX XXXX XXXX XXXX  Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX  ( Account beginning with XXXX ) I have disputed these negative items directly with both Experian and the respective furnishers, yet Experian has failed to provide proper validation or any substantiating documentation for these late payment records.

Under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1660b, 1637b, and 1681s-2 ( a ) ( 7 ), furnishers must report accurate information and consumer reporting agencies are obligated to perform a reasonable reinvestigation of disputed information within 30 days. Experians continued reporting of these inaccurate late payments therefore violates my rights.

Desired Outcome : I request that Experian immediately remove the inaccurate late payment information pertaining to the above-listed accounts from my credit report.

I ask that the CFPB investigate Experians handling of my dispute and enforce proper corrective measures under federal law. 

Thank you for your prompt attention to this matter.

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 2025-03-31 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: AL

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX Alabama XXXX Thanks, XXXX XXXX XXXX XXXX XXXX Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$18000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$130.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$250.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : 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 XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX Alabama XXXX Thanks, XXXX XXXX XXXX XXXX XXXX Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$18000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$23000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$130.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$250.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : 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 XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-31 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:
Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against TransUnion for their continued failure to remove fraudulent accounts and inquiries from my credit report despite my repeated disputes. 

Case Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts and inquiries appearing on my credit report. 
I filed a police report ( Case # XXXX ) and submitted it to the credit bureaus.

Despite multiple dispute requests, they have refused to remove these fraudulent items.

This is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.

Fraudulent Hard Inquiries : I demand the immediate removal of these fraudulent inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure 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