vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am opting out of any and all reporting from XXXX XXXX with any and all of my information XX/XX/year>. LJ Ross is reporting inaccurate information to XXXX  and XXXX. I was never even notified of this debt. I never received any mail, phone, or email communication before reporting this information to a collection agency. and then to the CRAS. I want this account removed completely from my report. There are several inaccuracies such as verification dates, activity dates, open dates, and even the creditor 's information is inaccurate. I would like this account removed from my report immediately and I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am opting out of any and all reporting from XXXX XXXX with any and all of my information XX/XX/year>. XXXX XXXX is reporting inaccurate information to Transunion and XXXX. I was never even notified of this debt. I never received any mail, phone, or email communication before reporting this information to a collection agency. and then to the CRAS. I want this account removed completely from my report. There are several inaccuracies such as verification dates, activity dates, open dates, and even the creditor 's information is inaccurate. I would like this account removed from my report immediately and I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each.

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 2025-06-23 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX 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 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

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: AL

Complaint narrative:
This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), requiring that you immediately cease and desist all communication with me regarding the alleged debt referenced in your recent correspondence. 

I am asserting my rights under federal law. As such, I demand that you and any agents, affiliates, or assigns of Apelles , LLC terminate all direct and indirect contact with me, including but not limited to : Telephone calls to any number associated with me, Voicemails, text messages, or emails, Letters or notices mailed to any known or associated address, Any further attempts to collect the referenced debt.

Under FDCPA 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication... the debt collector shall not communicate further with the consumer with respect to such debt. 


Please be advised that this letter is neither an acknowledgment nor validation of any debt. I hereby reserve all rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA, including my right to dispute the validity of any alleged obligation. 

You are now legally required to comply with this demand. A copy of this letter will be retained for evidentiary purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not responsible for the accounts in question, as they were opened without my consent or knowledge. Their presence on my credit report is both unfair and unlawful. In accordance with 15 U.S. Code 1681g, I am demanding that these accounts be removed within 15 days. I have provided the necessary documents to validate my identity and dispute.

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 2025-06-23 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: GA

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 2025-06-23 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-23 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: FL

Complaint narrative:
I am filing this complaint on behalf of my mother. She discovered a {$200.00} collection account from XXXX XXXX reported by XXXX XXXX XXXX on her credit report on XX/XX/year>. She has never signed up with XXXX XXXX, has never authorized any debt, and was never notified of any account or delinquency. We believe this was reported in error or is a case of identity theft. Additionally, it is unclear how XXXX XXXX XXXX obtained her Social Security number or had grounds to furnish this debt to the credit bureaus. We are requesting this account be removed immediately from her credit file

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 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$76.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX XXXX XXXX, Balance : {$8800.00}

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 explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} INQUIRIES : 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 2025-06-23 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information currently being reported by Experian on my credit file. These errors are having a significant negative impact on my credit score and have not been properly addressed, despite previous dispute attempts.

1. Inaccurate and Unverified Late Payments & Charge-Off : The following accounts are reporting late payments or charge-offs that I dispute as inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$2400.00} Late Payment XXXXXXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX High Balance : {$1700.00} Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$2500.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$2100.00} Late Payment XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$3400.00} Late Payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$11000.00} Late Payment XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$5300.00} Charged Off These negative marks are being reported without adequate documentation or verification, in violation of FCRA Section 611, which mandates that credit bureaus must remove or correct any information that can not be verified.

2. Unauthorized Hard Inquiry : The following credit inquiry appears on my report without my authorization or prior consent : XXXX XX/XX/XXXX Under FCRA Section 604 ( a ) ( 2 ), a credit bureau may only furnish a consumer report when there is a legitimate permissible purpose, and with the consumers consent. I never authorized this inquiry, and it constitutes a breach of my consumer rights.

Requested Action : I am requesting the CFPBs assistance in ensuring that Experian : Permanently deletes the listed inaccurate late payments and the charged-off account from my credit report. 

Removes the unauthorized inquiry conducted by XXXX. 

Provides written confirmation of these corrections and ensures compliance with all applicable FCRA regulations. 

These errors have caused unjustified harm to my creditworthiness, and I seek immediate resolution. 

Sincerely,

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 2025-06-23 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: DC

Complaint narrative:
Students loans should have been tooken off my credit report and address. The student loans are from a school that has been closed and its still on my credit report. All this information is inaccurate and want them to be removed from my credit report. I want a Forward flow agreement, chain of assignments and account level documentation to validate this debt, collection and/or charge offs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-23 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Colony Brands, Inc.
State: CA

Complaint narrative:
XXXXI looked at my credit report and noticed that a company called Ginnys, Did a charge off for $XXXX  on XXXX. XXXXI called them and asked why they were on my credit report, they said I ordered pots & pans, which I never ordered and never received any pots & pans. They told me to call THIER collection agency which I did at the phone no. XXXX XXXX they said they dont have a person by my name. So I called the company again they said they will send out a letter in 2 weeks for me to fill out send back, to see if Im responsible. But I never heard of this company till I seen on my report. I told them I want them to remove it..'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-23 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: CA

Complaint narrative:
I am filing this complaint to report violations by TransUnion related to the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report. 

TransUnion is displaying the account as Paid or paying as agreed with no past due balance, yet this same account is being reported by XXXX  as XXXX, XXXX, and XXXX  days late during the same period. These contradictions reflect a direct violation of FCRA 1681e ( b ), which mandates consumer reporting agencies to maintain procedures to ensure maximum possible accuracy.

Additionally, the Metro 2 formatting requirements, as governed by the Consumer Data Industry Association ( CDIA ), do not permit a tradeline to simultaneously report as Pays as agreed while reflecting serious delinquencies. This Metro 2 noncompliance creates materially misleading data on my consumer report, damaging my creditworthiness and misleading any third parties reviewing my file. 

I previously submitted a formal dispute to TransUnion, yet the inaccurate reporting remains unresolved. This constitutes a failure to reinvestigate under FCRA 1681i ( a ). The continued publication of inaccurate derogatory payment history after notice of dispute reflects both negligence and noncompliance with federal law.

Furthermore, I have not provided written authorization for the sharing or furnishing of this data to TransUnion, raising additional concerns under FCRA 604, which requires a valid permissible purpose for reporting any consumer data.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX I am trying to close XXXX account because of account has misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
Im reaching out because a hard inquiry has been placed on my credit report by a company that I have absolutely no connection to, and more importantly, I never authorized this inquiry not verbally, not in writing, not online, not in any form whatsoever. 

This credit pull was done without my permission, and to my knowledge, it serves no legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, I did not request services, and I did not engage with this company in any way that would justify a hard inquiry on my report. Its as simple as that.

Company response to consumer: Closed with explanation