vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: DC

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 explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. 
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 explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I have a collection account on my credit report and the collection agency and the credit burues have failed to provide me valadrion of debt thr chain of assignment the original contract and everything under FDCPA 800 and the FRCA 1681 2g I have called numerous times and have requested for the the chain of assignment original loan ducments and all and still have not been provided but yet they are reporting false information The collection agency bought the debt from another debt collector so where is the chain of assignment I am requesting for and the credit bureus have failed to provide me full investigation on debt

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 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a formal, certified letter to National Credit System requesting specific documentation regarding Account # XXXXXXXX XXXX XXXX XXXX. I requested : The date the account was opened ; The date of last activity ; The date of first delinquency ; Full payment history ; All account statements. 

This request was made under my rights afforded by the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), which support my right to receive all information in my file and the method of verification when a debt is reported or verified. 

Despite this request, National Credit System has failed to provide the information. Instead, the item in question was marked as verified by XXXX in response to a dispute I filed. However, without receiving the documentation directly from National Credit System, I am unable to determine whether the information reported is accurate or not. This lack of transparency obstructs my right to verify the validity of the account, which is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Re : Formal Complaint LVNV Funding ( Multiple Accounts : {$1000.00} and {$830.00} ) To Whom It May Concern, LVNV Funding is reporting multiple accounts that contain Metro 2 compliance errors, including inaccurate Date of First Delinquency ( DOFD ), incorrect status codes, and improper portfolio type/creditor classification. They have not responded appropriately to my validation or reinvestigation requests. 

These reporting inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ) and create misleading information in my credit report. I request an investigation and deletion due to non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report reflects late payment entries that I believe are inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be substantiated, I ask that they be promptly corrected or deleted.

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 2025-11-13 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY REVIWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMVETHESE ACCOUNTS FROM MY CREDIT REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

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 2025-11-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing an official complaint with the Consumer Financial Protection Bureau regarding multiple inaccurate and unauthorized items appearing on my credit report. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, which require consumer reporting agencies to maintain accurate information and conduct proper reinvestigations. 

1. Incorrect/Unknown Address Reporting The following address is being reported on my credit file, but I have no knowledge of this address, have never lived there, and never used it for any purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX WRONG ADDRESS This is a serious inaccuracy and raises concerns about possible mixed files or identity-related errors. I request the immediate removal of this address from my credit report. 

2. Unverified/Unauthorized Inquiry The following hard inquiry appears on my credit report without my authorization : XXXX  Date : XX/XX/year> I did not apply for credit with this company, nor did I grant permission for them to access my credit report. Under FCRA 1681b ( f ), no entity may obtain a consumer report without a permissible purpose. This inquiry is therefore unauthorized, and I request its complete deletion. 

Requested Resolution I request the following actions : Remove the incorrect address from all of my credit reports. 

Delete the unauthorized inquiry by XXXX dated XX/XX/year>. 

Provide me with written confirmation once these corrections have been completed. 

Investigate whether any additional inaccurate or unauthorized items appear on my file. 

These errors negatively impact my creditworthiness and violate my rights under federal law. I expect a full investigation and a prompt, compliant response. 

Thank you for your attention to this matter. I look forward to your timely assistance and resolution.

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 2025-11-13 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-13 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-13 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: VA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Issue : XXXXXXXX XXXX misapplied my payments after my loan transferred from XXXXXXXX XXXX causing inaccurate late reporting to the credit bureaus. 

Details : My mortgage was previously serviced by XXXXXXXX XXXX, and my payments were always on time through autopay. 

When the loan transferred to XXXXXXXX XXXX, there was confusion during the transition, and the XXXX payment did not process. 

Starting XXXX onward, autopay drafted my payments on time every month without fail. 

However, instead of applying the payments correctly, XXXX XXXX applied each months autopayment to the previous month, creating a false delinquency pattern : XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX Because of this misapplication, the loan appeared one month behind even though autopay was running consistently and correctly on my end. 

In XXXX, when I discovered the misapplication pattern, I made a double payment to bring the loan fully current and correct the timeline. 

Despite this correction, XXXXXXXX XXXX continued reporting late payments for months where autopay had drafted the payments on time. These inaccurate late marks have significantly damaged my credit score. 

I filed : A direct dispute with XXXX XXXX A credit dispute with XXXX Both were closed without correcting the misapplied payments or updating the bureaus. This violates FCRA 623 ( a ), which requires accurate reporting and correction after notice. 

Requested Resolution : Correct the payment application for XXXX Remove all incorrect late payment reporting Update all three credit bureaus ( XXXX XXXX TransUnion ) Provide written confirmation of correction Supporting Information : I can provide bank statements showing timely autopay debits and proof of the XXXX double payment used to bring the loan current.

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 2025-11-13 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: DE

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCM Finance LLC
State: TX

Complaint narrative:
CCM FINANCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CCM FINANCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Contract Breach and Invalid Debt Collection Account : Contract Date : XX/XX/year> Original Rate : $ XXXXXXXX XXXX XXXX XXXX TIMELINE OF BREACHES : XX/XX/year> : Unexplained $ XXXX " Commercial Overage '' charges began appearing without definition or documentation. 
XX/XX/year> : Rate increased 18.5 % to {$980.00} without required Article VI documentation ( CPI data, disposal costs, fuel costs, or regulatory changes ). Competitor offered identical service for $ XXXX. 
XX/XX/year> : I disputed charges in writing, provided competitor quote, requested explanation per Article V ( 180-day dispute window ). 
XX/XX/year> : Sales Supervisor XXXX XXXX emailed : " Hold off on paying XXXX invoice, let 's discuss lowering your monthly price before you pay. '' I complied, paused autopay. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> : Multiple follow-ups sent. No response from XXXX for 4+ months. 
XX/XX/year> : XXXX removed equipment without requiring payment, waiving liquidated damages rights under Article X. 
XX/XX/year> : We terminated for cause under Article XXXX due to XXXX 's uncured breaches. 
XX/XX/year> : XXXX invoiced for XXXX services despite no equipment on property. 
XX/XX/year> : ARM Solutions pursuing collection including invalid liquidated damages. 
CONTRACT VIOLATIONS : Article VI : Rate increases without required documentation Article V : Failed to document disputed charges within 180 days Article X : Liquidated damages don't apply to " uncured breach by Contractor '' Article XI : Multiple uncured breaches justified termination for cause

Company response to consumer: Closed with explanation