vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 filing a formal complaint against TransUnion for inaccurately reporting a derogatory account under XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX. This account is being reported with late payments and harmful remarks such as canceled by credit grantor, even though the account shows a {$0.00} balance, is closed, and has been paid. 

Upon reviewing my records, this account appears to be reported only by TransUnion, and the information shown is inconsistent with the actual status of my credit obligations. Therefore, I am requesting the immediate deletion of this account, as it is both inaccurate and unverifiable. 

This reporting violates the following laws : 1. Fair Credit Reporting Act ( FCRA ) TransUnion has failed to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and has not provided a proper reinvestigation as required under 1681i. Continued reliance on automated systems such as e-OSCAR, without human review or documentation from the furnisher, is a direct violation of 1681s-2.

2. Truth in Lending Act ( TILA ) I have not received periodic billing statements within the required timeframe ( 21 days before due date ), as required by 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5, making the reporting of any late payments unjustified.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) This inaccurate reporting has harmed my credit reputation and misled potential lenders. Reporting derogatory information that is not properly verified is a deceptive practice under CFPB oversight.

4. Protection Against Non-Payment of Obligations Act ( PAANL ) The derogatory reporting of a paid account with no outstanding obligation contradicts the legal protection against unjust damage to consumer records once the obligation is fulfilled. 

Additionally, I reference the following case law to support my demand for immediate deletion : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Requires credit bureaus to conduct reasonable, manual investigations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureaus must go beyond the creditors word and conduct independent verification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforces that superficial or automated investigations are insufficient under the FCRA. 

Because TransUnion is the only bureau maintaining this harmful and unverifiable account, I demand its immediate and permanent deletion from my credit file. Continued failure to correct this error will result in legal escalation.

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 2025-05-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Complaint to the CFPB / Statement Regarding Credit Bureau Misconduct and Data Falsification I am submitting this complaint in connection with what I believe to be serious and deliberate violations by a credit bureau which clearly indicate falsification and retroactive tampering of credit score data.

My credit score on the morning of XXXX XXXX XXXXXX/XX/year>, was XXXX, but by approximately noon it was suddenly and without any valid justification reduced to XXXX. There was absolutely no objective reason for this drop : all of my accounts were paid in full, no delinquencies occurred, and my credit utilization was low. 

Shortly after I submitted an official complaint to the CFPB, I checked my credit report again a few hours later, around XXXX XXXX and was surprised to discover that the credit bureau had significantly altered the score history and underlying score basis, retroactively rewriting the chronology of my credit score data to create the false impression that there had been no score drop at all, and that the scores had always remained the same for previous months. This clearly indicates intentional data manipulation aimed at concealing prior actions and avoiding accountability.

This is not a clerical error. It is intentional falsification of consumer data and, in substance, a form of financial fraud. The bureau appears to have fabricated a false continuous score history in order to hide the consequences of its own actions. 

I am submitting XXXX screenshots taken only a few hours apart, which clearly demonstrate that the score history was altered. The manipulation is evident, and the changes are significant. These screenshots serve as proof of data falsification and tampering that must be thoroughly investigated. 

Therefore, I request that the CFPB 1. Conduct a full investigation into the deliberate manipulation and retroactive rewriting of credit score history following my complaint 2. Require the credit bureau to provide the original, unaltered timeline of score changes with exact timestamps XXXX. Identify the cause and justification for the reduction of my score from XXXX to XXXX XXXX. Demand a full written report from the bureau specifying what data was changed, deleted, or fabricated, and by whom These actions represent intentional falsification of data in violation of the Fair Credit Reporting Act ( FCRA ) and the fundamental consumer right to accurate and transparent financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I received a collection notice from Diversified Adjustment Service for a XXXX XXXX balance of {$870.00}. I did receive an XXXX from XXXX in XX/XX/XXXX, but I never activated the eSIM and I never used XXXX XXXX. The line was never active, and no data, calls, or service usage occurred. 

I disputed the debt by email to Diversified on XX/XX/XXXX, requesting proof of service usage or activation. I sent a follow-up on XX/XX/XXXX, and received no response. 

I also filed a complaint with the FCC. XXXX responded by mail but did not provide any evidence that service was activated or used. 

I am asking Diversified to cease all collection activity and not report this account to any credit bureau. If it has already been reported, I request that it be deleted, as the debt has not been validated under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
reporting this collection with a past due amount This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the abort deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Original creditor was XXXX XXXX XXXX, collection was disputed, dropped and removed from my credit report. Now i constantly have MCM ( MIDLAND CREDIT MANAGEMENT ) constantly calling me and giving me notices to pay the {$670.00} that i do not owe them. They keep telling me there continue pushing it further when i have no business with them or the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit acct. the acct is paid in full since XX/XX/XXXX. Recently, I checked my credit report, and they are still reported on my credit as if the acct is still active as of XXXX and XX/XX/XXXX. 
Acct. status with Transunion is CLOSED, with XXXX is OPEN, and with XXXX it PAID IN FULL. XXXX is reporting the correct acct status. 
Payment Status with Transunion is LATE 60 days, with XXXX LATE 60 days, and with XXXX THE PAYMENT NEVER BEEN LATE. XXXX  is reporting the payment status correctly. In the comment section on my credit report, they state that it had been disputed but sent a paper saying verified. They are showing currently on credit report XXXX late payment on this acct, for XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Today, I spoke with a customer service representative name XXXX XXXX and told me to dispute them not knowing that I had already disputed months back. They also sent me my balance to my bank for refund as requested that had been sitting in my acct for years. so, if I was late why they didn't start taking what I owed for my acct funds. This is ridiculously not funny this my credit. the late payments must be a billing error that needs to be updated as no late payment. XXXX months paid them in full and acct should not be open and currently reporting anything.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit acct. the acct is paid in full since XX/XX/XXXX. Recently, I checked my credit report, and they are still reported on my credit as if the acct is still active as of XXXX and XX/XX/XXXX. 
Acct. status with XXXX is CLOSED, with Equifax is OPEN, and with XXXX it PAID IN FULL. XXXX is reporting the correct acct status. 
Payment Status with XXXX is LATE 60 days, with XXXX LATE 60 days, and with Equifax THE PAYMENT NEVER BEEN LATE. Equifax is reporting the payment status correctly. In the comment section on my credit report, they state that it had been disputed but sent a paper saying verified. They are showing currently on credit report XXXX late payment on this acct, for XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Today, I spoke with a customer service representative name XXXX XXXX and told me to dispute them not knowing that I had already disputed months back. They also sent me my balance to my bank for refund as requested that had been sitting in my acct for years. so, if I was late why they didn't start taking what I owed for my acct funds. This is ridiculously not funny this my credit. the late payments must be a billing error that needs to be updated as no late payment. XXXX months paid them in full and acct should not be open and currently reporting anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A representative from XXXX XXXX XXXX contacted me regarding a debt that I supposedly owed to Capital One. Advised that Capital is pursuing to take legal action if the debt is not paid. Law firm stated debt is from 2013. I do not recall this debt. This law firm harassed me till i agreed to a pymt arrangement. They took three payments, then called me and said I need to agree to a new contract. That was a red flag to me, why do i need to agree to a new contract if we already have arrangements? I decided to call Capital One and provided them with the Law firm and what was supposed to be Capital One original creditor account number. The representative could not locate an account in my name with that account number. If I used my social to pull any accounts I may have had with them, and still could not locate the account with the account number this law firm provided to me. The representative stated the account number is showing it was a credit card opened in XXXX XXXX, which was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : My correct address is : XXXX XXXXXXXX XXXX XXXX Fl XXXX My employer is : 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 2025-05-13 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: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation