vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had renewed a loan with Western Shamrock located in XXXX XXXX Tx. Ive had for a few years a good relationship with them. The last payment I have was on XX/XX/XXXX for the amount of {$180.00}. Since then XX/XX/XXXX my daughter was diagnosed with a XXXX and XX/XX/XXXX diagnosed as a cancerous XXXX she had to have XXXX and after pathology results confirmed it was stage XXXX XXXX XXXX. I no longer have my primary job due to continuing to care for my daughter taking her to appointments for XXXX and XXXX. It has been a different time and the loan has been calling nonstop even from different numbers and even showed up to my residence. Ive spoken to the XXXX XXXX expressed this in person explaining my hardship which he still requested a payment XXXX unable to do. A woman called earlier today XXXX from the loan requesting a payment again which I explained unable to do which she said she will have to notify their attorneys and take me to court and I will receive a letter in the mail to not disregard. I have other loans who were understanding but this company has taken it to an extent where I no longer feel comfortable ever doing any business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-05-19 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: NJ

Complaint narrative:
Subject : URGENT Dispute of Inaccurate Account Reporting XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a * * formal and urgent dispute * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, regarding an account being reported by XXXX XXXX ( XXXX ) with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The reporting of this account contains multiple * * factual inaccuracies and inconsistencies * * that constitute a violation of FCRA regulations, including but not limited to : - The account is reported as both * * '' Charged Off '' * * and * * '' In Collections, '' * * which is contradictory and misleading. 
- The * * date of last activity * * is inconsistent across bureaus ( XX/XX/XXXXXXXX XXXX XXXX ). 
- A revolving credit card should not have a {$0.00} monthly payment if any balance is due another indication of erroneous data. 
- Different comments are listed for each bureau, including dispute resolved, reinvestigation in progress, and account assigned to attorney, which implies the data furnisher has not maintained consistent or verifiable records. 

These issues violate : - * * FCRA 1681e ( b ) * * Failure to maintain accurate and consistent data.
- * * FCRA 1681i * * Failure to conduct a reasonable investigation when a consumer disputes information.

- * * FCRA 1681s-2 ( b ) * * Furnishers of information failing to correct or delete inaccurate data after being notified of a dispute. 

* * I demand the IMMEDIATE removal of this account * * from my credit report Failure to comply with your obligations under the FCRA will result in formal complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * FTC * *, and * * State Attorney Generals Office * *. I reserve my right to pursue legal action for damages under

* * FCRA 616 and 617 * *. I have attached a copy of my government-issued ID and a utility bill for
verification. Please respond in writing within 30 days as required by law. 

Sincerely, 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 2025-05-19 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: NJ

Complaint narrative:
Subject : URGENT Dispute of Inaccurate Account Reporting XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a * * formal and urgent dispute * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, regarding an account being reported by XXXX XXXX ( XXXX ) with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The reporting of this account contains multiple * * factual inaccuracies and inconsistencies * * that constitute a violation of FCRA regulations, including but not limited to : - The account is reported as both * * '' Charged Off '' * * and * * '' In Collections, '' * * which is contradictory and misleading. 
- The * * date of last activity * * is inconsistent across bureaus ( XX/XX/XXXXXXXX XXXX XXXX ). 
- A revolving credit card should not have a {$0.00} monthly payment if any balance is due another indication of erroneous data. 
- Different comments are listed for each bureau, including dispute resolved, reinvestigation in progress, and account assigned to attorney, which implies the data furnisher has not maintained consistent or verifiable records. 

These issues violate : - * * FCRA 1681e ( b ) * * Failure to maintain accurate and consistent data.
- * * FCRA 1681i * * Failure to conduct a reasonable investigation when a consumer disputes information.

- * * FCRA 1681s-2 ( b ) * * Furnishers of information failing to correct or delete inaccurate data after being notified of a dispute. 

* * I demand the IMMEDIATE removal of this account * * from my credit report Failure to comply with your obligations under the FCRA will result in formal complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * FTC * *, and * * State Attorney Generals Office * *. I reserve my right to pursue legal action for damages under

* * FCRA 616 and 617 * *. I have attached a copy of my government-issued ID and a utility bill for
verification. Please respond in writing within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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:
Complaint for CFPB XXXX  XXXX XXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am filing this formal complaint against XXXX  XXXX XXXX and the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ) due to serious inaccuracies and noncompliance with federal laws that are currently damaging my credit profile and limiting my financial access. 

This revolving credit account, opened on XX/XX/XXXX, was closed in XXXX. However, it continues to be inaccurately reported across all bureaus as " Negative '', with multiple charge-offs ( COs ) and delinquencies ( XXXX, XXXX, XXXX, XXXX days late ) being reported after the account closure which is illogical and factually incorrect. 

Among the key inconsistencies : The account reports as closed, yet continues showing delinquent activity in XXXX, including months after the date of last payment ( XX/XX/XXXX ) and last activity. 

XXXX  reports a high balance of {$0.00}, which is inconsistent with the other bureaus listing {$27000.00}. 

All XXXX  bureaus report the account as Negative, despite the consumer dispute dated XX/XX/XXXX. 

The payment history shows re-aging of debt, artificially extending delinquency periods beyond the original timeline a serious violation of federal law. 

VIOLATIONS OF FEDERAL LAWS : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The re-aging and false reporting of delinquencies beyond the date of last activity is a direct violation. 

1681s-2 ( b ) : Furnishers must investigate disputes and correct any inaccurate or incomplete information. The account remains inaccurate months after being disputed. 

1681i : Failure to correct previously disputed information within the required XXXX window. 

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The mischaracterization of the repayment timeline and continued negative reporting after account closure misrepresents the terms and performance of the credit agreement violating TILA 's provisions on accurate disclosures.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Failure to safeguard sensitive consumer data and ensure the privacy and accuracy of financial records. Disseminating false credit data to third parties without due diligence breaches GLBA obligations.

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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
Early XXXX, my XX/XX/XXXX account showed I had a collection appear that gave me a XXXXpoint hit to my credit score. Immediately I jumped into action trying to figure it out. 

It appears they were sending unmarked letters to XXXX XXXX, letters that I had ignored because they looked like spam mail, and if they were in an official capacity, surely theyd have to have my real name. 

I first called XXXX XXXX XXXX - several times- and all they could tell me was that it was sold XXXXXX/XX/XXXX. XXXX as of late XX/XX/year> was no longer open, so I disputed the report and XX/XX/XXXX told me it was actually Ability Recovery Services who had my debt. 

I tried calling them, got hung up on by XXXX multiple times in the middle of asking questions, and once I reached another rep, I was able find out that they had no record of any debt owed by me in their system, utilizing all information possible, including social security number, the spam name, addresses, everything. They said they could not email me anything to state I dont owe them anything, and basically that I was just going to have to deal with it.

The thing about that is month over month, it keeps showing that I havent paid towards the collection, which I would love to if I could find who I owe to stop this from continuing, but I cant do that so I am struggling trying to figure this out.

On another note, XX/XX/XXXX I had called again to try and get more info from them, requested a US based agent, and was given an awful run around where they said that it was forgiven, and then gave me a fake address in XXXX XXXX to request a letter of forgiveness from. 

Any advice would be greatly welcomed and maybe its worth a little research into these phony companies who outright lie and obfuscate because they dont want to deal with something that requires them to actually do something.

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 2025-05-19 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 XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX Mountain Flower XXXX My employer is : 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 2025-05-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company name is Truist who's loan or credit card is in my XXXX XXXX XXXX XXXX loan. I am under contract with XXXX. Despite my telling them they need to deal with them to make arrangements for payment, I get a call at XXXX every morning that skips my phone ringing somehow and goes into voicemail on our XXXX landline. It is harassment non stop for 6 months or more. Please make them stop and contact XXXX XXXX. They can mail me a form for permission as other companies did.

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 2025-05-19 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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