vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX ACCOUNT # XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt. 
2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account. 

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX ACCOUNT # XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt. 
2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account. 

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be BLOCKED from my credit profile once a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are PROHIBITED from reporting information they know or have reason to believe is inaccurate. XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX  ACCOUNT XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, ALL ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU, DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY, CEASE ANY FUTURE REPORTING OF THIS INFO TO ALL CREDIT BUREAUS, AND PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER. FTC COMPLAINT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX  - Account ending in XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued 3.

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint againsMIDLAND CRED regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : MIDLAND CRED Account Number/Reference Number : XXXX ] Date the Account Was Opened : XX/XX/year>2024 I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with MIDLAND CRED, buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I received an email this morning ( screenshot available ) that I owed XXXX for an alleged Payday loan from SPEEDY CASH USA. I have never had any loan from them, nor have I been contacted by anyone on this matter before. The email has the total fraud indications ( they know my email but not my full name ).

I wanted to report it mostly so that they will have a harder time trying to scam someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I lost my job while residing ina hotel XX/XX/2025 I realized my bank account was overdrafted {$50.00} I contacted USAA to find out what was going on which I was advised at that time that USAA use their discresion on which bills to pay or not pay. I responded with " When does USAA use their discresion to stop allowing payments '' My account ended up being - {$75.00} which I called in to address this matter and was advised off the same thing the previous rep advised me of, next thing I know my account is negative {$160.00} and change from reoccurring debit card charges not even via my checking account. Now I am upset and I call back again for the rep to repeat what I have heard 3 times prior which again I asked when does it stop?? I am unemployed where is the money going to come from to satisfy the negative balance. The rep finally put a stop to the overdraft protection that I never even put on the account in the first place USAA used their discresion to add the overdraft protection that was on my account. This is not the first time either my account was overdraw {$170.00} previously that I myself had to pay off and everytime I would complain not one person said I could take it off. I have my federal income tax going to this account which is now closed. I need assistance this is not right

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings
State: MI

Complaint narrative:
Please block information from my credit report within 4 business days, section 605C of the FCRA, 1022.123 section 103 prohibits CRAs ) from including adverse information about trafficking victims in consumer reports.

I am filing this compliant regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW reported loan as open when its not. Balance was paid from insurance settlement check due to total loss. account is not delinquent. Account is being reported incorrectly. Update account as paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
I review my credit report which I believe is fraudulent accounts on my credit report. Please remove these accounts on my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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