vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate : XXXX XXXX XXXX : XXXX open XXXX XX/XX/year> Account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. -Delete Account Immediately for 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-21 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: TX

Complaint narrative:
It is unreasonable if you hold me responsible for those accounts that I did not open or approve. I ask that this matter be resolved right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, I submitted a dispute to request the credit bureau to investigate the accounts and consumer information that is actively being reported according to the requirements of the Faird Credit Reporting Act, 15 USC 1681i, and 15 USC 1681e ( b ) because the accounts were not assumring maximum possible accuracy.

As you can see in the attachment, and in accordance with Federal Law I should have received a response from TransUnion by XXXX XX/XX/XXXX. Additionally, as a result of this issue I have been unable to access my TransUnion Credit Report. 

I have sent have placed multiple calls since the opening of this dispute and as of today XXXX XX/XX/XXXX the dispute remains open, unresolved, and has denied me the opportunity to submit other disputes because this dispute has remained open for nearly XXXX consective months. I have included printouts from XX/XX/XXXX and XX/XX/XXXX to show that the issue does still 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX, a third-party debt collection agency located in XXXX, Indiana. This company is attempting to collect a debt from me that I do not owe and have never acknowledged. I have no prior relationship with this company and no knowledge of the alleged debt they claim exists. 

XXXX XXXX XXXX has contacted me about a debt without providing any proper documentation or verification, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). They have failed to : Identify the original creditor ; Provide an itemized accounting of the alleged debt ; Show any contract bearing my signature ; Prove they have legal authority to collect on this account.

Furthermore, if this alleged debt has been reported to any consumer reporting agencies, XXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 and 1681i ) for furnishing unverifiable and potentially false information about me.

I take this matter extremely seriously, and I am requesting a full investigation into the practices of XXXX XXXX XXXX. Their actions appear to be : Deceptive Potentially fraudulent In violation of multiple federal consumer protection laws I request that the CFPB intervene and require XXXX XXXX XXXX to immediately cease all collection efforts, provide full validation of the alleged debt, and remove any related reporting from my credit profile if it exists. 

Please confirm receipt of this complaint and keep me informed of any actions taken. I am prepared to escalate this matter further if necessary, including involving legal counsel and state regulatory bodies.

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 2025-05-21 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: CA

Complaint narrative:
XXXX XXXX XXXX is not my account, it is fraudulent. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 2025-05-21 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: IN

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have never done any business or credit transactions with this company claiming that I owe them and never received any letters or notices from this company claiming that I owe them any debt. So I requested a debt validation and chain of assignments after disputing the collection account through XXXX XXXX XXXX  and they reported back verified without any of the information I requested. I requested 1. The name of the original creditor. 
The full chain of ownership for this debt, including all entities that have owned or collected on the debt. 
The dates of each sale, transfer, or assignment. 
Documentation showing that your company has legal standing to collect this debt. 
And A full itemized statement. I did Not receive any of this information after disputing this account several times again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
Subject : Experian reinserted XXXX XXXX account without FCRA-required notice Details of the Complaint : I previously filed a dispute regarding an account reported by XXXX XXXX on my Experian credit report. As a result of that dispute, Experian removed the account from my credit file. However, Experian has since reinserted this account without providing the required written notice within five business days, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

This reinsertion occurred without my knowledge or consent, and I was not notified through mail, email, or any other communication. This failure to notify me of the reinsertion violates federal law and has impacted my credit standing, causing potential harm to my financial reputation and opportunities. 

I am requesting the immediate deletion of the XXXX XXXX account from my Experian credit file and a full investigation into the violation of the reinsertion notice requirement. 

Additionally, I request that this issue be documented as a formal complaint against Experian for noncompliance with the FCRA, and I am seeking statutory damages of {$1000.00} for this violation pursuant to FCRA 616 and 617.

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 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In 2020, we finalized our residential contract at the XXXX XXXX XXXX residential complex. Following this termination, letters continue to arrive regarding a debt. We have requested a breakdown of the debt on several occasions. All our debts were settled, and the apartment we occupied was handed over in excellent condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
My credit report has a series of names, addresses, phone numbers and accounts that do not belong to me. I reached out to the credit reporting agencies and have not seen a change on my credit reports. I also filed an Identity Theft Report. I have included a copy of my driver 's license and social security card.

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 2025-05-21 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: TX

Complaint narrative:
My credit report has a series of names, addresses, phone numbers and accounts that do not belong to me. I reached out to the credit reporting agencies and have not seen a change on my credit reports. I also filed an Identity Theft Report. I have included a copy of my driver 's license and social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was never late. Thanks.

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 2025-05-21 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: GA

Complaint narrative:
Please see the letter attached. Equifax has declined my request to assist with correcting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Please see the letter attached. Equifax has declined my request to assist with correcting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-21 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: CITIBANK, N.A.
State: WV

Complaint narrative:
This company has lowered my credit limit to just above what I owe every time I attempt to lower my balance and debt ratio to improve my credit score. Even though I am never late and pay over my minimum balance every month and have for years. They have done this 3 times, every time I make a sizeable payment to improve my finances and credit worthiness. This is a horrible business practice and harmful to consumers. They know also I can't cancel the card because it is my longest standing account and that would also hurt my score and rates. I can't be the only person they do this to. I am sure it is a standard business practice to keep people in debt. I have actually held back on paying my balance to prevent this from happening and I should not have to do that. These predatory credit card companies need stronger oversight to prevent consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you remove and delete the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 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 Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have never received any debt validation to my address, I have never received any phone calls from them confirming I have an agreement or contract with them showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian is reporting multiple variations of my name and address that are incorrect and must be removed. My legal name is XXXX XXXX XXXX, and the only correct address that should appear on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. However, my file contains inaccurate name entries such as XXXX XXXX and XXXX XXXX, and several incorrect addresses, including XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, and XXXX XXXX XXXX XXXX XXXX NJ XXXX. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires Experian to maintain the maximum possible accuracy of the information it reports. Failure to correct these inaccuracies after being notified constitutes negligent noncompliance under 15 U.S.C. 1681o. I am requesting immediate deletion of these inaccurate names and addresses. You may verify my identity and correct information using my drivers license, Social Security Number, and utility bill from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-21 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: TX

Complaint narrative:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

Company response to consumer: Closed with explanation