vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list below have violated my legally protected consumer light and privacy and concordance under 15 U.S.C. 1681 The agreements described below validate my claims : 15 U.S.C 1681 Section 602 Establishes I have the right to privacy.

15 U.S.C. 1681 Section 004 A Section 2 It about states consumer report agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may make a consumer report containing any following items of information : Any other information, than other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
i received a email alarts from my experian membership stating that they blocked 3 inquiry that tired to request credit cards in my name on my from Transunion that i have no knowledge of from the bllow banks XXXXXXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year> XXXX 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
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXXXXXX Creditor : Progress ResidentialAmount : $ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX RE : Demand for Validation and Cease and Desist Under FDCPA You are hereby notified that I dispute this account in its entirety. Please provide : A signed lease or agreement with XXXX XXXX. 

A detailed accounting of all charges and fees. 

Proof of assignment and current legal ownership of the alleged debt. 

Documentation of your license to collect in Georgia.

All further communication with me is prohibited unless and until full validation is provided. This directive is made under 15 U.S.C. 1692c ( c ).

If validation is not received within 15 days, I will file complaints with the CFPB, FTC, and state authorities for noncompliance.

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 2025-07-28 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: GA

Complaint narrative:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the correction and removal of inaccurate or outdated personal information currently reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 609 ( c ), I am exercising my right to accurate and verifiable information.

Please update my personal information to reflect the following : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Current Phone Number : XXXX Current Employer : None ( please remove any employer information on file ) I am also requesting the removal of all other variations of my name, old addresses, phone numbers, and employment data. These may include, but are not limited to : Incorrect/Former Names ( e.g., XXXX, XXXX XXXX or other misspellings ) Outdated Addresses ( e.g., addresses in XXXX XXXX XXXX IL ; XXXX, GA ; XXXX, GA ) Previous Employers ( e.g., XXXX, XXXX, XXXX Serve, etc. ) Please treat this as a formal dispute and update my file accordingly. Ive enclosed proof of identity and address to assist with your investigation. 

Enclosures ( include with each letter ) : Copy of government-issued photo ID ( e.g., drivers license ) Proof of current address ( utility bill, lease, or bank statement ) Copy of Social Security card or W-2 ( optional, but recommended ) Please provide written confirmation when the file has been updated.

Thank you for your compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the correction and removal of inaccurate or outdated personal information currently reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 609 ( c ), I am exercising my right to accurate and verifiable information.

Please update my personal information to reflect the following : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Current Phone Number : XXXX Current Employer : None ( please remove any employer information on file ) I am also requesting the removal of all other variations of my name, old addresses, phone numbers, and employment data. These may include, but are not limited to : Incorrect/Former Names ( e.g., XXXX, XXXX XXXX or other misspellings ) Outdated Addresses ( e.g., addresses in XXXX XXXX XXXX IL ; XXXX, GA ; XXXX, GA ) Previous Employers ( e.g., XXXX, XXXX, XXXX Serve, etc. ) Please treat this as a formal dispute and update my file accordingly. Ive enclosed proof of identity and address to assist with your investigation. 

Enclosures ( include with each letter ) : Copy of government-issued photo ID ( e.g., drivers license ) Proof of current address ( utility bill, lease, or bank statement ) Copy of Social Security card or W-2 ( optional, but recommended ) Please provide written confirmation when the file has been updated.

Thank you for your 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 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I have some corrections to make and context re : my last compliaints. Some of the details were wrong due to me using AI as I am dyslexic and trying it out. We didn't see vehicles to pay for anything, and there was some other errouneous and random info that wasn't correct. I am an insruance agent and claims professional. When I am not working, I am not spell checking. I ACTUALLY HELP PEOPLE AT WORK. So, I am not trying to be perfect here. But it is important to only have facts and I wanted you to know that as I catch more errors this tool I'm using made I will correct them. 

We had sold vehicles previous to moving to VA and that has NOTHING to do with the claims. RE the medial debts as a subro/adjuster and I've handled {$300000.00} plus amounts on claims and etc I want to know what collections agencies are doing NOT listening to people. I also want to point out that i do belive that companies do have the right to revover property, but not when a contract is void. i am of the belief that when XXXX changed my payment w/out my consent or notification it voided everything. so what are we recovering? an error the company made. i am someone who has done client facing work and as a professional I said NO. 

If anyone has any questions I ask for calls as well because it may be easier but it is udnerstandable ifyou don't call. I complained about XXXX in 2012 to YOU WHEN ALL THIS FIRST HAPPEND. I WROTE LETTERS ABOUT THE MOLD TO THE THEN SPEAKER OF THE HOUSE XXXX XXXX. NONE of this should have ever happened. 

If XXXX would like to negotiate the vehicle, it is waht it is no matter how it happened but THEY MADE A CLAIM IN BAD FAITH. i know waht BAD FAITH CLAIMS ARE. AND OKLAHOMA HAS A CLAIMS ACT AT LEAST FOR INSURANCE ON THE BOOKS SO WHY WOUL N'T IT APPLY TO ALL CLAIMS I HAVE EQUITY IN THAT VEHICLE ANDI HAD SOLD PAID FOR CAR TO BUY IT.

So some of the erroneous details in the other letter were the way it was worded. I would rather address them as they come iup, but I wanted you to know I caught several errors in my letter. It was so much information and I am so frustrated as we also have MULTIPLE OTHER ISSUES DUE TO ME HAVING HAD 17 SURGERIES ETC going on ESPECIALLY DURING THESE CRAZY TIMES.

ALL I DO AT WORK IS HELP PEOPLE AND FOLLOW THE RULES. THAT IS ALL I AM ASKING FOR HERE, TYPOS OR NOT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
Companies responses is untrue as they have received as well as bureaus fraud package for the loan from their company prior ( see Below ) Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We understand you are disputing the Parent PLUS Loan that was disbursed on XX/XX/XXXX, for XXXX XXXX to attend Texas Southern University. We have enclosed a copy of the Promissory Note used to disburse the loan for your review. The loan agreement was electronically signed. Electronic signatures are recognized under state and federal law including the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), the Uniform Electronic Transactions Act ( UETA ) and the separate laws of the states of Illinois, New York, and Washington. We received your ID Theft, and our Fraud Department reviewed it. To discharge your loan, we need a fraud discharge form completed and one was sent to you on XX/XX/XXXX, by our Fraud Department. They advise that the form has not yet been returned. Once we have sufficient documentation, a fraud discharge will be submitted to Federal Student Aid. If approved, the discharge will be processed and updates made to the national consumer credit reporting agencies. You may contact our Fraud Department by calling XXXX, and they will be happy to address any questions or concerns you have regarding this issue. 


The price of it being filled out, notarized and received by then is attached. The email address is that of the student not mine, the signature not provided, the contacts info also incorrect but that is due college to investigate as I did not sign for approve or go to college nor Fir anyone else if this is not removed o will be suing for XXXX XXXX for damages, falsified records and more.

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 2025-07-28 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: AZ

Complaint narrative:
All dates, accounts and information is attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
All dates, accounts and information is attached below

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOCis 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
INNOVATIVE R- is falsely reporting on my credit. I have never had any accounts with them. Per my research INNOVATIVE R- is a debt collector. They are falsely reporting on my credit!! Account number is 5081 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the correction and removal of inaccurate or outdated personal information currently reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 609 ( c ), I am exercising my right to accurate and verifiable information.

Please update my personal information to reflect the following : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Current Phone Number : XXXX Current Employer : None ( please remove any employer information on file ) I am also requesting the removal of all other variations of my name, old addresses, phone numbers, and employment data. These may include, but are not limited to : Incorrect/Former Names ( e.g., XXXX, XXXX XXXX or other misspellings ) Outdated Addresses ( e.g., addresses in XXXX XXXX XXXX IL ; XXXX, GA ; XXXX, GA ) Previous Employers ( e.g., XXXX, XXXX, XXXX Serve, etc. ) Please treat this as a formal dispute and update my file accordingly. Ive enclosed proof of identity and address to assist with your investigation. 

Enclosures ( include with each letter ) : Copy of government-issued photo ID ( e.g., drivers license ) Proof of current address ( utility bill, lease, or bank statement ) Copy of Social Security card or W-2 ( optional, but recommended ) Please provide written confirmation when the file has been updated.

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-07-28 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: Self Financial Inc.
State: CT

Complaint narrative:
Hello I contacted XXXX XXXX XXXX XXXX about the {$100.00} dollar charge I never had self. They advised me my information was mixed with a fraud account and they would fix it so I asked can I pay the money they said no they cant accept anything because its a fraud account it would be removed. I only ask a to fix it and pay because its hitting my credit and it seem as they only wanted money so they didnt fix it didnt accept the money acknowledged it was a fraudulent account but still reported to the credit bureaus XXXX XXXX XXXX XXXX as verified and accurate. Thats not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section XXXX : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1681s-2 ( a ) ( XXXX ) A person shall 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. 

15 U.S. Code 1681i ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( XXXX ) A person shall 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-28 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I went through a divorce and tried to purchase a home and was denied for vast delinquencies and charge offs. Most if not all accounts were paid off but show delinquency.

Company response to consumer: Closed with explanation