vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XXXX XX/XX/25

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 2025-07-14 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-14 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 have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-14 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

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 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX  and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX  and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: VA

Complaint narrative:
Incorrect identifying information on my alleged debt and Lack of Proper Debt Validation or Verification. I requested via usps priority mail asking for a copy of the agreement between the original creditor and the debt collection agency that outlines the sale of the debt, that shows they are the owner after purchasing the alleged debt and the terms and conditions of that purchase, with all parties signatures. 
I also did not receive a notice to dispute this alleged debt Alleged debt sold without my consent. 
I am low income and on Medicaid and this is an alleged debt. 
Also reported as an open account. This is not an open account. 
I sent the following letter XX/XX/year> I took out my personal information Zion Debt Holdings XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt Request for Debt Validation Amount Allegedly Owed : {$1000.00} Reporting as : Open Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( as on my credit report ) State of Residence : Virginia To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt currently being reported by Zion Debt Holdings and to request full validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and to request that all collection activities cease immediately due to financial hardship. I am currently enrolled in Medicaid and my annual income is under {$29000.00}. This is also not my debt and I have received no notices.

This alleged debt is not mine. Under 15 U.S. Code 1692e and 1692f, I am requesting that you immediately stop all misleading and potentially unlawful reporting of this account as " open, '' and provide documentation supporting any claim that I legally owe this debt.

Pursuant to my rights under the FDCPA, I am requesting the following documentation : 1. Full debt validation, including : o A detailed breakdown of the full accounting history from the original creditor.

o All payments, missed payments, interest, and fees added.

o Proof that any fees charged are lawful and supported by contract or statute.

2. Forward flow agreement ( between original creditor and the purchaser of the debt ).

3. Complete chain of assignment and proof of chain of ownership, from the original creditor to your agency, including sale dates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 filing this complaint because Experian and XXXX. are unlawfully reporting an inaccurate and outdated collection account related to XXXX XXXX XXXX, originally opened in XX/XX/XXXX. The account ( XXXX, Account # XXXX ) has a Date of First Delinquency ( DOFD ) of XX/XX/XXXX, and Experians own record shows it is scheduled to remain on file until XX/XX/XXXX. 

In XX/XX/XXXX, this account was not present on my credit report, and I have a full copy of that report to prove it. However, by XX/XX/XXXX, the account was reinserted without any notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). I was never notified within the required 5 business days of reinsertion, and no certification of accuracy was provided by XXXX. 

This reinsertion caused real financial harm. In XXXX, I was denied an auto loan, which I can prove with a denial letter from the lender. That denial was directly tied to the reappearance of this inaccurate collection, which unfairly lowered my credit score and affected my creditworthiness. 

I have formally disputed this with Experian and demanded removal. This account is outdated, harmful, and has been reinserted in violation of the FCRA. I am also requesting monetary relief for the harm done both statutory damages and actual damages for the loan denial, stress, and hardship caused by this inaccurate reporting.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Date : XXXX Via Certified Mail with Return Receipt Requested XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Immediate Cease and Desist & Deletion Demand under 15 U.S.C. 1692c ( c ), 1681n, 1681o, and 1692k Account Reference : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist Notice and Deletion Demand concerning the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as authorized by federal law. 

I hereby notify you, under 15 U.S. Code 1692c ( c ), to immediately cease and desist all forms of communication with me regarding the above-referenced account. Additionally, I am demanding the deletion of this account from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) within 10 calendar days of your receipt of this letter.

Failure to delete the account and cease all communications will be considered a willful violation of federal consumer protection laws and will result in immediate legal action under the following statutes : You are hereby on notice that failure to comply will result in a claim for : - Defamation of Character ( per se ) - Negligent Enablement of Identity Fraud - Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692g - Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681 - Civil Liability for Willful Noncompliance 15 U.S. Code 1681n - Civil Liability for Negligent Noncompliance 15 U.S. Code 1681o - FDCPA Civil Damages 15 U.S. Code 1692k You are hereby given 10 calendar days to : 1. Permanently delete the above-referenced account from all consumer reports ; 2. Cease all communication related to this debt ; 3. Provide me with a free updated copy of my credit report showing the removal of the disputed item ( s ).

Failure to comply will result in a civil lawsuit being filed against your company, where I will be seeking {$1000.00} per violation, in addition to actual damages, legal fees, and punitive damages for your willful and negligent disregard of federal consumer law. 

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-07-14 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

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 2025-07-14 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

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 2025-07-14 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: TX

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  with tracking #XXXX XXXX XXXX XXXX XXXX XXXX   it shows the delivery date of XXXX  at XXXX XXXX XXXX, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts 1. XXXX $0 account #XXXX. 2.XXXX $0 account # XXXX & 3. XXXX XXXX $0 account # XXXX. Equifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I came to an agreement with Onemain and I paid the agreed amount in full as I agreed to. The company was reporting the payments as late even though I was paying as agreed causing further unnecessary damage to my credit report. I have late payments on my report that should not be there since I was making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute  Demand for Full Verification and Supporting DocumentationXXXXDear Credit Bureau,XXXXThis is a formal dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i and  1681s-2(b) concerning an account currently reporting inaccurately on my credit file. You are now required to perform a full reinvestigation and verify this account with actual supporting documentation from the data furnisher.XXXX Account InformationXXXXCreditor Name: XXXX XXXX XXXXAccount NumberXXXXReporting Bureau: TransUnion XXXXDispute Basis:XXXXThis account is being reported without proper legal documentation, and the information listed is inaccurate, incomplete, and unverifiable. I am demanding a full reinvestigation as required under FCRA  1681i(a)(1).XXXX  Required Verification Points:XXXXTo remain on my credit report, this account must be verified with the followingXXXX copy of the original signed contract or agreement that includes my signatureXXXXA complete account history showing accurate balance, open date, last activity, and payment recordXXXXA breakdown of the full amount owed, including interest, principal, late fees, and chargeXXXXLegal chain of assignment, if the debt has been sold or transferredXXXXProof that the data furnisher has performed a reasonable reinvestigation under FCRA  1681s-2(b)XXXXMetro 2 Compliance, including:XXXXAccurate and verifiable DOFD (Date of First Delinquency)XXXXCorrect account status, type, and remark codesXXXXAccount is properly marked as Disputed by ConsumerXXXX If the Account Cannot Be Verified:XXXXYou must delete this tradeline under FCRA  1681i(a)(5)(A) and send written confirmation.XXXXFailure to investigate thoroughly, or to maintain accurate reporting, will be viewed as a violation ofXXXXFCRA  1681i  Failure to ReinvestigateXXXXFCRA  1681s-2(b)  Failure to Maintain AccuracyXXXXFCRA  1681n/o  Willful or Negligent NoncomplianceXXXX EnclosedXXXXCopy of government-issued photo IDXXXXProof of current address XXXXA printout of the disputed tradeline XXXXPlease respond within the required 30-day timeframe and provide confirmation of the outcome and method of verification usedXXXXSincerelyXXXXXXXX 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