vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in harm to both my credit file and credit score. I previously brought this issue to the attention of the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. Despite this, they continue to appear on my report.

These unauthorized and potentially fraudulent inquiries are deeply troubling and raise serious concerns about possible identity theft. The ongoing presence of these items is causing undue XXXX and continues to negatively impact my financial stability.

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 2025-05-29 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my 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 2025-05-29 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-29 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: IL

Complaint narrative:
I didnt authorize this account to be open in my name fcra XXXX please remove these accounts off my name

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 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX Date : XX/XX/XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Account Number XXXX To Whom It May Concern, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting you cease all communication with me regarding the above-referenced account.

I am aware of your reported claim regarding an alleged debt of {$1800.00} originally associated with XXXX XXXX XXXX, listed on my credit report as opened in XX/XX/XXXX and reported as in collections as of XX/XX/XXXX. 

Please note that I dispute the validity of this debt. Under my rights, I am demanding that you immediately stop all phone calls, letters, emails, or other forms of contact with me, my family, or my place of employment. 

If you continue to contact me after receiving this letter ( other than to confirm you will cease communications or to inform me of specific legal actions being taken ), you will be in direct violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Additionally, if you believe this debt to be valid, I request that you provide proper verification per the FDCPA within 30 days. Failure to do so will further confirm that you are reporting unverified information, which may also violate the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Aidvantage informed me I was withdrawn from the XXXX XXXX XXXX  back in XXXX. This is false. I have not withdrawn. I was under contract to complete the XXXX XXXX XXXX through XX/XX/year>. I provided all the documentation supporting my case. Aidvantage has starting billing me monthly. I have submitted all my documentation in writing and have not received any response to my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-29 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NC

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 explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This is a formal request to delete an account currently listed on my credit report that is in pending litigation. Given its legal status, the information being reported is not only inaccurate it's entirely inappropriate to include in my credit file at this time. 

This account should not be reflected on my report while its under dispute through the legal system. Reporting it now is misleading, potentially damaging, and absolutely unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
Subject : Urgent Request to Correct Credit Reporting Error on Closed Lease Account To Whom It May Concern, I am writing to formally request immediate correction of an error on my credit report related to my prior lease account with BMW Financial Services.

When my lease term with BMW concluded, I chose to purchase a new vehiclespecifically, a * * XXXX XXXX * * through your dealership network. At that time, I was under the impression that my lease account would be closed with a XXXX balance. 
However, due to an unresolved and small balance that should have been cleared at lease-end, the account remained open and delinquent, eventually being reported as past due for almost two years. This situation has significantly and unfairly impacted my credit standing, despite the fact that I maintained a positive and loyal relationship by financing a new vehicle with you.

After multiple conversations with your customer service team, I was informed and assured that the account would be updated to reflect a paid on time as agreed status and that all late or missed payments would be removed from my credit file. Unfortunately, this correction has not yet been made.

In accordance with the Fair Credit Reporting Act, I respectfully request that you : Update the lease account to reflect a {$0.00} balance and a paid on time/as agreed status.

Remove any and all late or missed payment notations associated with this account from all credit bureaus.

Confirm in writing that these corrections have been made.

Attached are documents relevant to the lease termination and my new vehicle purchase, as well as any correspondence previously exchanged regarding this matter.

Please consider this an urgent request. I appreciate your cooperation in resolving this issue swiftly and protecting the integrity of my credit history.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-05-29 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: TN

Complaint narrative:
I have asked transunion to correct my credit file where some balances have been paid off well over a month ago. XXXX XXXX balance is actually XXXX XXXX dollars less than what my report shows. I had other accounts that balances have been paid off and I filed a dispute only to recieve a email saying dispute resolved which it has not. These people at Transunion dont know how to do their job. I have called them and I have spoke to some of the most hateful females Ive ever spoken to. Its like they are right and I am wrong. I want everyone of my accounts to show what the true balances are. They told me the credit companys dont update but once every XXXX months. That is a total XXXX XXXX XXXXXXXX. Why does XXXX  and XXXX  update monthly??? 
One female I have talked at Transunion said the balance will stay just as it is which is wrong and that I can live with it. I have never been talked down to such as this hateful demeaning woman was. Theres to many people out here in the world that need jobs and these XXXX with their attitudes need to be replaced immediately. I hope you all can get Transunion to correct my credit card balances to show updated balances not from months ago! My next move will be with FTC and Attorney General. 
Thank You, 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

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 2025-05-29 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-29 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: IN

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NV

Complaint narrative:
I enrolled in the hardship program so that I would not miss any payments. Successfully finished that program without missing a payment. Also please note that I have NEVER missed a payment on this card. As soon as the payments were complete they suspended access to my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I'm writing to request validation of the debt you're trying to collect for the above-mentioned account. Please provide : 1. The original contract or agreement 2. A detailed breakdown of the debt amount 3. Proof of your authority to collect the debt XXXX XXXX XXXX, XX/XX/2023, {$1400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Have reached out to original creditor who will not speak with me, and refer me to debt collector.

Debt collector- Contacted and unable to reach resolution. Verify account as valid which is impossible.

Contacted XXXX XXXX, and XXXX- DIsputed accounts- verified as valid.

This is NOT my account.

Company response to consumer: Closed with explanation