vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-14 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: WA

Complaint narrative:
For the second time in 3 years, Experian has merged my personal information with my XXXX XXXX. My name is XXXX XXXX XXXX and my XXXX XXXX  name is XXXX XXXX XXXX. In both cases of when this erroneous reporting has occurred, Experian decreased my credit score when it added all of my XXXX XXXX information such as his student loans. The company even added his SSN to my account. How is it possible for me to have 2 SSNs? Shouldn't there be something in their system to automatically detect and give a red flag? I filed a dispute and was able to get the incorrect info removed. However, my credit score is still down XXXX points. Inaccurate reporting from Experian is costing ME -- the consumer. There is no guarantee that Experian has learned from this situation and for all I know a year from now it will happen again and I will be dinged yet again. I think Experian should have to explain to me why my credit score has decreased and not increased back to where it was before they made a mistake. A credit score is an important metric for consumers and regular Americans like myself to be able to be approved for loans and build a life such as securing a house. I would like to see Experian correct their mistake and make sure this does not happen again, as well as raise my credit score back to where it should be.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
These are the New games, Unethical behaviors, and actions Experian is playing and has taken when provided with challenges to their errors in reporting correct, accurate, and current information from my Creditors ' websites! Experian was provided with the details of my current XXXX XXXX XXXX account which {$0.00} Balance, Paid, and Closed. 1. Although Experian recognized their error/s and provided the current status on my Report, they're also continuing to keep, maintain, and calculate the past / outdated balance of {$430.00} as part of my current Total Balance on my Credit Report. 2. Experian was also provided with current details and balances on my account with XXXX XXXX XXXX referred to XXXX - referred to XXXX XXXX XXXX which is who I currently pay for the XXXX XXXX XXXX original Creditor account with a current Balance of {$530.00}, but they're maintaining a Balance of {$880.00} on my Credit Report because it seems they're confused as to who the Reported Balance should be coming from. 3. Experian is Reporting Balances that do not exist or inaccurate, incorrect, outdated, and erroneous information on my Credit Report as my XXXX XXXX account Balance. Experian has been provided several XXXX with the correct and current Balance on my XXXX XXXX account as {$6300.00} which is below my Credit Limit of {$7000.00}, yet Experian is continuing to Report and Post my Balance with XXXX XXXX as {$7400.00} w/ Credit Suspended. This too is Incorrect and the New game and Unethical behaviors Experian is playing with my Credit Report. 4. Experian was also provided with my Creditor 's website current information about my account balance with XXXX XXXX XXXX. My Balance is {$2400.00}, yet they continue to Report and Post my Balance as {$2500.00}. 5. I connected my accounts with Experian XXXX to Increase my Credit Score. Yet Experian is Reporting Balances that DO NOT EXIST on my Credit Report just recently as yesterday! My Utilities Bill with XXXX XXXX is @ {$0.00}, my Balance with XXXX is {$0.00}, my Balance with my Insurance/s are {$0.00}. Although I connected my accounts with Experian XXXX for Credit increase, Experian decided also to not consider nor calculate my Bill Payments with XXXX XXXX in my Bill payment activities as On time, Never missed payments, Never Late.

Experian is feverishly attempting to continue maintaining Incorrect, Inaccurate, Erroneous, and Retaliatory Balances on my Credit Report even after contacting the CFPB and Congress / Senator 's Office of their wrongdoing and continued errors in their 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 2025-08-14 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: IL

Complaint narrative:
I am formally disputing to EQUIFAX several items on my consumer report that are inaccurate, unauthorized, and in direct violation of my rights under the Fair Credit Reporting Act FCRA. Specifically, there are multiple hard inquiries that I did not authorize, consent to, or initiate, which constitute an impermissible pull of my consumer report under FCRA section 604a. The following entities have appeared as inquiries on my file without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are damaging my credit standing and must be removed immediately.

Additionally, I am disputing the late payment reporting on my XXXX XXXX  account ending in XXXX, opened on XX/XX/XXXX. EQUIFAX is currently reporting a 30 day late payment in XX/XX/XXXX, which is factually inaccurate. I maintain records that reflect my payment history was on time during this period, and your failure to ensure accuracy v

iolates FCRA section 1681e b, which mandates reasonable procedures to assure maximum possible accuracy of the information you report. By continuing to publish inaccurate data after being placed on notice, EQUIFAX risks violating FCRA section 1681i, which requires a proper and reasonable reinvestigation. Sham or superficial investigations that simply parrot data from the furnisher without actual verification are not compliant with federal law. As a consumer, I have the right to a fair, thorough, and impartial review of my dispute, with the burden on the CRA to verify, not assume, the accuracy of disputed items. I expect EQUIFAX to take immediate corrective action by removing all unauthorized inquiries listed above and permanently deleting the incorrect late payment from my XXXX XXXX  account. Continued publication of unverifiable or inaccurate information causes ongoing harm to my creditworthiness and exposes EQUIFAX to liability under federal law, including actual damages, statutory damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under 15 USC 1681b Permitted Purpose of Consumer Reports.

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 2025-08-14 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: OH

Complaint narrative:
To whom it may concern : I, XXXX XXXX, have been trying to get this resolved since 2023. I never had XXXX XXXX XXXX, and I never had services with XXXX XXXX. I made a police report and provided it in 2023, and it went away, but it came back, and it's being reported to the credit reporting agencies, and its status is disputed. This is affecting me and my credit negatively. I have all the details below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$1600.00} PHONE NUMBER 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 2025-08-14 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX has violated my rights. A payment arrangement was made with this company and fully paid and loan was forgiven .This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
According to 15 U.S.C 1681 I have the right to dispute inaccurate and unverifiable information that is on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent me verification of debt, the ORIGINAL contract bearing my signature, and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
XX/XX/year> This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX XXXX account. Visit https : XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. XXXX  Ref # XXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am a victim of Identity theft and 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. Please block the following information as it is fraud.

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 2025-08-14 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint because Experian Information Solutions , Inc. Transunion and Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires a credit reporting agency to conduct a reasonable reinvestigation of disputed information. 

Despite providing Experian, Equifax and Transunion with detailed documentation and evidence proving that certain accounts on my credit report are inaccurate or unverifiable, Experian has left these accounts unresolved and has not removed or corrected them as required by law. 

My experience mirrors the systemic issues alleged in the CFPBs recent lawsuit against Experian ( Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., filed XX/XX/year> ), which accuses Experian of : Failing to forward consumer-provided evidence to furnishers during dispute investigations. 

Accepting unreliable or unverified responses from furnishers without further investigation. 

Failing to adequately notify consumers of dispute results or the basis for retaining inaccurate information. 

In my case, Experian, Equifax and Transunion : Ignored the evidence I submitted proving the disputed accounts were inaccurate. 

Relied on unverifiable or generic responses from furnishers. 

Failed to provide a meaningful explanation of the dispute results. 

These failures violate both the FCRA and the standards outlined in the CFPBs lawsuit, and they have caused me financial harm, emotional distress, and loss of credit opportunities. 

Requested Resolution : I request that the CFPB investigate this matter in light of its ongoing litigation against Experian, Equifax and Transunion and require the immediate permanent removal of all inaccurate or unverifiable accounts from my Experian credit report. I further request that this complaint be published in the CFPB Consumer Complaint Database to highlight the continuing harm caused by Experians unlawful practices.

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 2025-08-14 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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