vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$9500.00}

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 non-monetary relief
Consumer complaint received 2025-07-11 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: LEXISNEXIS
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving XXXX  and LexisNexis. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX XXXX XXXXXXXX ( Acct # XXXX  ), Balance {$19000.00} XXXX XXXX XXXX XXXX ( Acct # XXXX and Acct # XXXX ), Totaling {$31000.00} XXXX XXXX  ( Acct # XXXX ), Balance {$3900.00} XXXX XXXX XXXX ( Acct # XXXX ), Balance {$2100.00} XXXX XXXX  ( Acct # XXXX ), Balance {$27000.00} XXXX XXXX XXXX XXXX  ( Acct # XXXX ), Balance {$29000.00} In addition, the following addresses have been added to my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( FCRA ) 605B. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Over the past 5 years, I have been receiving notices about a debt I never owed. ProCollect ( on behalf of creditor XXXX XXXX XXXX ) has been trying to collect debt from a resident living in Michigan in XXXX with a similar name to mine. I never lived in that apartment and I have lived in California since XXXX. I asked ProCollect to correct the mistake but they kept sending new notices. I also called XXXX XXXX XXXX, and they told me this other person paid off the debt already. Please ask ProCollect to stop harassing me and close this case.

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 2025-07-11 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: MD

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed. 
Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership. 
Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ). 
Late payment history that exceeds the XXXX limit and is damaging my score without proper validation. 
I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal. 

What would you like the company to do to resolve your issue? 

I am requesting the CFPB to assist in compelling Experian, TransUnion, and Equifax to : Permanently delete all unverified, inaccurate, and outdated negative accounts listed in my dispute letters. 
Provide verification in the form of original account applications, contracts, and complete payment histories for each accountcomputer records alone are not sufficient. 
Issue updated credit reports reflecting the removal of disputed items. 
Cease all further reporting of unverifiable and erroneous accounts. 
Thank you for your attention to this matter. I am seeking full compliance with the FCRA and FDCPA and an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed. 
Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership. 
Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ). 
Late payment history that exceeds the XXXX limit and is damaging my score without proper validation. 
I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal. 

What would you like the company to do to resolve your issue? 

I am requesting the CFPB to assist in compelling Experian, TransUnion, and Equifax to : Permanently delete all unverified, inaccurate, and outdated negative accounts listed in my dispute letters. 
Provide verification in the form of original account applications, contracts, and complete payment histories for each accountcomputer records alone are not sufficient. 
Issue updated credit reports reflecting the removal of disputed items. 
Cease all further reporting of unverifiable and erroneous accounts. 
Thank you for your attention to this matter. I am seeking full compliance with the FCRA and FDCPA and an immediate resolution.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Escalated Complaint XXXX  XXXX / XXXX Inaccurate Reporting and Improper Response ( Account : XXXX ) To Whom It May Concern : This letter is a formal escalation of my ongoing credit dispute concerning XXXX XXXX XXXX ( serviced by XXXX ) regarding account number XXXX, which was reported with multiple late payments between XXXX and XXXX. 

I previously submitted a CFPB complaint dated XX/XX/XXXX. In response, the company stated that the account had been sold to XXXX on XX/XX/XXXX, and that all disputes had been responded to in XX/XX/XXXX. However, this response does * * not resolve the underlying issue * *, which is that XXXX XXXX continues to appear on my credit report * * with derogatory late payment entries even after it was sold * *.

Under * * 15 U.S. Code 1681s-2 * *, furnishers are obligated to report only accurate and verifiable data. Once an account is sold, the original creditor must either : 1. * * Update the reporting to show a {$0.00} balance with no further derogatory activity * *, or 2. * * Remove the tradeline entirely * * if they no longer service or verify the debt. 

In this case, XXXX XXXX has failed to update or remove the late payment history as required. The presence of this outdated, possibly unverifiable information is continuing to damage my credit profile and directly contradicts the standards set forth by the FCRA. 

Additionally, the creditor did not provide any meaningful documentation verifying the specific late payments, nor have they forwarded me to XXXX for a formal dispute resolution regarding the current status of the tradeline. 

# # # Requested Resolution : I am requesting one of the following : - Full * * removal * * of the XXXX XXXX tradeline due to the account being sold and no longer verifiable, * * or * * - Immediate * * correction * * of the tradeline to show Closed Transferred/Sold with {$0.00} balance and removal of any * * post-sale late payments * *. 

Please consider this an escalation due to insufficient resolution and continued violation of the accuracy and completeness requirements of federal credit reporting law. 

Sincerely, XXXX XXXX [ Phone : XXXX ] [ Email : 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My account with EQUIFAX XXXX  XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account with XXXX  EXPERIAN XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/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 2025-07-11 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: TX

Complaint narrative:
b"Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  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 explanation