vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Reporting inaccurate information. XX/XX/XXXXXXXX XXXX. 

I reported inaccurate information online, by mail, by calling all XXXX above and I keep getting the run around. 

First my name is listed incorrect. 

Second they have an unknown phone number listed for my fraud alerts. 

Third I requested all old paid in full XXXX balance Closed accounts be removed/deleted. 

Fourth : There's a collection that isn't money reporting and I requested a courtesy deletion. I reached out to the collection agency and all credit bureaus. 

Last : XXXX XXXXXX/XX/XXXXXXXX car delealerahip and XXXXXX/XX/XXXXXXXX.... I applied as a co-signer for a family member for both of these dealerships one time each and they both unauthorized ran my credit together over XXXX times for different lenders and it's reporting individually on my reports. When I called and asked each dealership they told me that in 30 days they will all combine as one and I should only see one inquiry which was a lie.

These said things above are affecting me with getting a new home and upgrading my vehicle and I was even denied a second job in the banking industry due to these.

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
The company is trying to collect from me a debt of {$1400.00} that I do not owes to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I filed a dispute based on the incorrect items on my credit report and I have not received any corresponding 's based on my dispute or any investigation results.

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 2025-05-04 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: NJ

Complaint narrative:
I filed a dispute based on the incorrect items on my credit report and I have not received any corresponding 's based on my dispute or any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

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 2025-05-04 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:
I the consumer XXXX XXXX requested a validation of debt I was told by the XXXX XXXX XXXX XXXX there is no original contract to provide also it's not required for them to collect this alleged debt. to my knowledge this company can't provide me with such document because they brought the debt in bulk. According to the FDCPA You are required to verify the debt if not that's a violation. I request Validation of debt, a flow agreement, Transfer of assignment, Ownership of the debt, and the bill of sale. However, if you can't provide the documents requested I ask that you remove this account from my credit reports. this is a violation of the FCRA, and the FDCPA. As it states under the FDCPA, once the consumer disputes the debt or request validation in writing within 30 days of being contacted the creditor must be able to verify the debt belongs to the consumer I however has not received anything to confirm I owe this alleged debt, nor this company anything. I've never done business with this company, I've never signed a contract or given them nor the original creditor to have access to my personal information without my consent which is another violation according to the FCRA the consumer must receive notice of furnishing my credit report. therefore based on the previous dispute you weren't able to provide validation of debt ( Original contract ) I have grounds to file complaint with the CFPB or take legal action. each violation listed and more can equal up to {$1000.00}. I hereby thank you for taking this serious matter promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I the consumer XXXX XXXX requested a validation of debt I was told by the XXXX XXXX XXXX XXXX there is no original contract to provide also it's not required for them to collect this alleged debt. to my knowledge this company can't provide me with such document because they brought the debt in bulk. According to the FDCPA You are required to verify the debt if not that's a violation. I request Validation of debt, a flow agreement, Transfer of assignment, Ownership of the debt, and the bill of sale. However, if you can't provide the documents requested I ask that you remove this account from my credit reports. this is a violation of the FCRA, and the FDCPA. As it states under the FDCPA, once the consumer disputes the debt or request validation in writing within 30 days of being contacted the creditor must be able to verify the debt belongs to the consumer I however has not received anything to confirm I owe this alleged debt, nor this company anything. I've never done business with this company, I've never signed a contract or given them nor the original creditor to have access to my personal information without my consent which is another violation according to the FCRA the consumer must receive notice of furnishing my credit report. therefore based on the previous dispute you weren't able to provide validation of debt ( Original contract ) I have grounds to file complaint with the CFPB or take legal action. each violation listed and more can equal up to {$1000.00}. I hereby thank you for taking this serious matter promptly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-04 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: TX

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

UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 explanation
Consumer complaint received 2025-05-04 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: MOHELA
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, M, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Regarding Student Loan Breach and FERPA Violations Dear CFPB, I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX on XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent. 
I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
Please contact me at XXXX or XXXX for further information or documentation. I trust that the CFPB will take appropriate action to address this serious matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( 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. 

XXXX XXXX. XXXX ( 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.

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 2025-05-04 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: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( 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. 

XXXX XXXX. XXXX ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
An account was placed in collections on my credit report. I have reached out by certified mail to company requesting they validate this debt as I do not have an account or contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 explanation
Consumer complaint received 2025-05-04 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: WA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-05-04 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: WA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-05-04 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:
On XX/XX/XXXX, I submitted a formal identity theft dispute to TransUnion through the CFPB portal. My dispute included : - FTC Identity Theft Report # XXXX - Government-issued ID - Proof of address The report listed four fraudulent items : XXXX. XXXX Account # : XXXX {$7500.00} XXXX. XXXX  XXXX Account # : XXXX {$1300.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX TransUnion successfully removed the XXXX XXXX account and the XXXX inquiries, confirming the legitimacy of my FTC Report and documentation. 

However, as of XX/XX/XXXX more than 30 days since submission I have * * not received any written response or explanation * * from TransUnion regarding the remaining fraudulent account ( * * VOLVOCARLSE * * ). There has been no mailed letter, no email, and no communication. 

This is a violation of : - * * FCRA 605B * * failure to block identity theft-related information upon receiving valid documentation - * * FCRA 611 ( a ) ( 1 ) ( A ) * * failure to respond within 30 days to a formal credit dispute I am concerned that the dispute was either ignored or mishandled. The unresolved XXXX account continues to damage my credit profile and delay my ability to obtain educational financing. 

I am requesting CFPB enforcement action to ensure TransUnion complies with federal law and completes the dispute process.

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 2025-05-04 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
All XXXX  credit bureaus have inaccurately reported student loan information without proof of an originally signed and verified Master Promissory Note and they are failing to verify or delete this incorrect information which is a violation of FCRA. I even found XXXX different versions of my name that I have never used to identify myself.

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 2025-05-04 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: NY

Complaint narrative:
All XXXX  credit bureaus have inaccurately reported student loan information without proof of an originally signed and verified Master Promissory Note and they are failing to verify or delete this incorrect information which is a violation of FCRA. I even found XXXX different versions of my name that I have never used to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All XXXX  credit bureaus have inaccurately reported student loan information without proof of an originally signed and verified Master Promissory Note and they are failing to verify or delete this incorrect information which is a violation of FCRA. I even found XXXX different versions of my name that I have never used to identify myself.

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