vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX  confidentiality under XXXX XXXX XXXX. 

Account name : XXXX, XXXX XXXX, XXXX XXXXXXXX CC, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

And according XXXX  the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

And according XXXX  XXXX XXXX XXXX XXXX they are supposed XXXX  do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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; XXXX  ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are supposed XXXX  not furnish any information relating XXXX a consumer XXXX  any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am submitting this complaint regarding an LVNV Funding account managed by Resurgent Capital Services ( Resurgent ID XXXX ). I previously submitted an inquiry directly to Resurgent through their portal and received confirmation that my concern was forwarded for review. However, the account remains on my Equifax and TransUnion credit reports, despite having already been removed by Experian. 

I followed up with Resurgent again via their portal on XX/XX/year>, requesting written confirmation of any deletion requests to the remaining bureaus. I have not received any response or resolution, and the account continues to be inaccurately reported. 

This inconsistency is harmful to my credit profile and does not reflect fair or accurate credit reporting. I am requesting that Resurgent : Instruct Equifax and TransUnion to remove this item from my credit report Provide confirmation of this request in writing Attached are prior dispute results and documentation from Experian showing the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I submitted a lawful request XXXX TransUnion under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) asking for specific details related XXXX  their reinvestigation of XXXX disputed accounts : XXXX XXXX XXXX and XXXX XXXX. 

Specifically, I requested ( XXXX ) a description of the procedures used during their reinvestigation, ( XXXX ) the name, address, XXXX telephone number of any furnisher they contacted, XXXX ( XXXX ) any evidence or documentation provided by the furnisher ( XXXX ). 

Despite my proper request, TransUnion failed XXXX provide the required information. Additionally, the disputed accounts appear XXXX  have been reinserted or retained on my credit report without TransUnion fully complying with my lawful request. 

Their failure XXXX respond constitutes a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), when a consumer requests it, a consumer reporting agency must provide a description of the procedure used XXXX  verify disputed information, including the method of verification. TransUnion failed XXXX describe the steps they took, the process followed, or the entities contacted, violating their statutory obligation.

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 2025-04-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ) XXXX XXXX XX/XX/year> Equifax P.O. Box XXXX, XXXX, GA XXXX. 
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Recently, I conducted an investigation of my credit report and discovered several inaccurate items being reported. 
Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I have the right to dispute information I believe is incorrect.

I contacted Credit Bureau Name, e.g., Experian, TransUnion, or XXXX XXXX and submitted a dispute regarding these items.

As of today, the inaccurate information has not been corrected, or they have not responded.

I request that the inaccurate information be fully investigated and corrected in compliance with the Fair Credit Reporting Act. and Please have them remove those inquiries on my credit report. XXXXXXXX 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
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent capital services/LVNV are reporting several collections on my credit reports.i have written then letters asking for more information to include a copy of the original document with my signature as per state and federal law and they can not or will not provide me with a copy as validation.i have asked that they delete said debts from my credit reports as they are reporting illegally since they can not provide the information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This should not be on my credit card anymore. Its been more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I recently reviewed a copy of my credit report and identified several fraudulent accounts that do not belong to me. XXXX XXXX account number XXXX. These inaccurate entries are negatively impacting my creditworthiness and ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be promptly investigated and removed from my credit report. Failure to correct this information would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-04-29 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian and Equifax credit XXXXeporting 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-04-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$190.00} XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> XXXXXXXX XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$190.00} XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> XXXXXXXX XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Ive been a loyal USAA customer for 18 years. In the past year, I disputed several unauthorized charges made to my account. While some of the disputes were resolved in my favor, others were not. As a result, my account became overdrawn by about {$1900.00}. Despite this, I was actively paying back the balance and had arrangements to finish payment within the next three days. 

On XX/XX/2025, I contacted USAA after seeing my account restricted to credit only status. I was informed this was due to the negative balance, and that the restriction would be removed within 24 hours after the balance was paid. However, later that same evening, I received an email from USAA informing me that my account was being permanently closed due to suspicious activity and that I could never bank with them again. 

I have not used my account in over 50 days other than receiving XXXX payments from my mother. The timing and reasoning behind this closure are unclear and confusing. I believe I am being punished for exercising my legal right to dispute fraudulent charges, which USAA acknowledged at least partially by refunding some of them. 

I submitted a request for review and reconsideration to USAA, but I have not received a formal explanation or documentation supporting the decision. I am seeking a full review of my case and a reinstatement of my account, or at minimum, a clear, justified reason for this closure and the inability to open a new account especially since I was told I was still within USAAs 55-day policy window before further action would be taken.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've tried on multiple attempts to contact business to see if i can bring the account current to also make sure they don't close the account once resolved like they've done on multiple occasions on my other now closed accounts. They have not provided a 1099c as well which is fraud. I need this account be removed or handled properly or I have the right to report to the irs.

Company response to consumer: Closed with explanation