vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
on this account XXXX XXXX XXXXXXXX XXXX XXXX the account was paid in full, with no late fees, no late payments, and had a XXXX balance. I then closed the account. the credit card company is and has reported this account to Transunion under " accounts with adverse information '' I requested they remove it from that or remove it from my credit report altogether and they have refused to do so. IN RETURN TRANSUNION HAS DONE NOTHING TO FIX THIS. XXXX KEEPS REFERRING ME TO TRANSUNION AND TRANSUNION KEEPS REFERRING ME TO XXXX. A CONTINUOUS RUN AROUND IS WHAT I'M GETTING. 

TRANSUNION, EXPERIAN, AND EQUIFAX ALL HAVE REFUSED TO REMOVE THIS FROM THE NEGATIVE REPORTING, WHEN IN FACT IT WAS PAID CLOSED NEVER LATE, AND NOT INCLUDED IN A BANKRUCTY.

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 2025-04-10 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:
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 XXXX 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 2025-04-10 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:
In accordance with the Fair Credit Reporting Act. the account listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. According to XXXX XXXX XXXX SECTION XXXX. states I have the right to privacy XXXX XXXX XXXX Section XXXX. Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX 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 XXXX ( A ) ( XXXX ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The accounts include : XXXX ) Synerprise consulting services {$580.00} please delete from credit file nothing owed. 

XXXX ) XXXXXXXX XXXX XXXXXXXX BALNACE INCORRECT. correct balance is {$3300.00}

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 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: VA

Complaint narrative:
On XX/XX/year>, I mailed a written request to Plaza Services LLC demanding full validation of a debt they are reporting on my credit file. As required by the Fair Debt Collection Practices Act ( FDCPA ), they had 30 days to provide me with proper documentation proving the debt is valid and legally owed. Not only did they fail to respond within that time frame, but after I called their office, they advised me to wait an additional 5 daysyet I still have not received any verification by mail or otherwise. Despite their non-compliance and failure to validate the debt, this account is still being reported on my credit report. This is a clear violation of my consumer rights, and I am requesting that the CFPB take immediate action to enforce the removal of this unverifiable and improperly reported debt from my credit profile. I have fulfilled all necessary steps as a consumernow I am asking the CFPB to hold this company accountable under federal law. I even emailed them before sending a letter through the mail thinking it would be a resolution but they have yet to verify that they are allowed to be collecting on this account. I have the receipt from mailing but will have to get that information back to you since it has been a month I have to look for it but I do have proof of the email. And a web receipt in my bank statement showing the date I went to ups and paid for it to be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-10 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: GA

Complaint narrative:
I am writing with the utmost urgency and unwavering resolve regarding the continued negligence and reckless conduct exhibited by the credit reporting agencies TransUnion, Experian, and Equifax as it pertains to the handling of my personal credit file. 

Despite my repeated and lawful efforts to dispute numerous derogatory inaccuracies, these agencies have demonstrated a persistent and disturbing pattern of failure. I have followed the Fair Credit Reporting Act ( FCRA ) protocols, submitting timely, well-documented disputes complete with supporting evidence, yet these derogatory items remain or are inexplicably reinserted without proper notice or justification. 

This is not only unacceptable, it is deplorable. 

The systemic mishandling of my disputes suggests more than mere oversight ; it reflects a complete disregard for due diligence and a willful failure to investigate and correct false information which is a direct violation of my consumer rights. Each inaccurate item impacts my financial livelihood, my access to opportunity, and my dignity. 

These credit reporting agencies are entrusted with information that affects the economic stability of millions of Americans. Yet, in my experience, they have operated without the care, responsibility, or accountability that such a grave responsibility demands. The failure to act accurately and ethically is not just administrative negligence it is harm. 

Experian, Equifax, and TransUnion have long faced scrutiny and lawsuits for their handling of credit data, yet the recklessness continues even in the face of detailed disputes that plainly refute the false data. Each reinsertion of a derogatory item that has already been disproven is not only frustrating, it is an egregious violation of my legal protections.

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 2025-04-10 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: ProCollect, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear XXXX I am writing to formally dispute inaccurate and unverifiable information currently listed on my XXXX and XXXX credit report. I am requesting that you conduct a reinvestigation of the disputed item ( s ) in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : - **15 U.S.C. 1681i ( a ) ( 1 ) : ** Which requires XXXX to conduct a reasonable reinvestigation of any disputed item. 
- **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : ** Which requires that you provide me with a description of the procedure used during your investigation, including the name and address of the data furnisher.

- **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : ** Which mandates that unverifiable or inaccurate information must be deleted from my credit file.

Thank you for your attention on this matter.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report. 

XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX ED/AIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX XXXX. XXXX XXXXAIDV Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

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 2025-04-10 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: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I've list in my affidavit be removed within four ( 4 ) business days of receiving this notice, in accordance with the FCRA 605B.

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 2025-04-10 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: CT

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! 

"

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 2025-04-10 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: OH

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Verisk Analytics Inc
State: OH

Complaint narrative:
I am trying to correct faulty information regarding an accident that was mistakenly reported to VERISK and XXXX XXXX as " at fault ''. This erroneous information is causing my auto insurance rates to be artificially high. However, both Verisk and XXXX XXXX make it almost impossible for a consumer to obtain their own report. I have hunted all over their website and it is clear that both companies do NOT want to hear from consumers, so they intentionally and willfully make it nearly impossible to request a consumer report. I am therefore reaching out to the CFPB to compel these companies to provide a CONSUMER site that is clearly available to consumers to obtain their consumer reports. 

I ask any employee of the CFPB to go into these two company sites and see for themselves that you CAN NOT find a page or site for consumers to obtain their own consumer report to correct erroneous information. This is INTENTIONAL and by design because these corporations do NOT wish to invest time and money to help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I have no knowledge of this collection account on my credit report from the third party collection agency nor do they have a written agreement from myself stating that I am aware of the past due account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade sent a letter stating the loan was charged off XX/XX/XXXX and sold to a debtor. I requested the XXXX for that year, and they never sent it. They reported it to the IRS it was a loss of profit and charge off. XX/XX/XXXX which reflects on my credit report. This is fraud and Upgrade never reported to IRS that it was a loss but did charge it off according to my credit report and sold the account and never sent me the XXXX. 

I sent a letter to XXXX requesting them to validate the account and send XXXX because all creditors reporting charge off on my credit report never sent the XXXX. 
its inaccurate on my credit report. 

This information is inaccurate an fraud. I will notify IRS as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-04-10 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: CT

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief