vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-01 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:
This is now my sixth follow-up regarding inaccurate and unauthorized information that continues to appear on my credit report despite my prior disputes. 
First, my file still reflects a late closed account with XXXX XXXX XXXX showing a balance of {$190.00}. This is inaccurate, as the account was properly managed and closed without issue. Reporting it otherwise violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers and bureaus are obligated to correct or delete any inaccurate or incomplete information. I again request that this account be updated to reflect its accurate, positive status. 
Second, my report continues to list a charge-off from XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * *. This is misleading and harmful to my creditworthiness, as a zero-balance account should not be reported as derogatory. This practice fails to meet the standards of accuracy and fairness required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B 15 U.S.C. 1681c-2. Since this account can not be verified as a legitimate charge-off, I am requesting its permanent deletion. 
Finally, my credit report still contains several hard inquiries that I never authorized, which violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were made without my consent or any permissible purpose and must be permanently removed.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Problem : Listed as a collection with no payment history ; tradeline is unverifiable. Also appears to have been reinserted after removal.

Violation : 1681s-2 ( a ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 5 ) ( B ) ( reinsertions require notice ).

Action Requested : Delete tradeline or provide full supporting verification ; if reinserted, provide written notice as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 am submitting this complaint regarding inaccurate information on my credit report, which is being reported by [ Credit Bureau : Equifax/Experian/TransUnion ] . The items listed below are inaccurate, outdated, or not associated with me and violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Last Payment : XX/XX/XXXX This account is reported as late closed ; however, my records indicate that all payments were made on time and the account was closed in good standing. Reporting this account inaccurately is harming my XXXX XXXX and misrepresents my payment history. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information with the credit bureaus, and they are required to conduct a reasonable investigation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and should not appear on my credit report. Under FCRA 604 ( a ) ( 3 ), inquiries require permissible purpose, and these inquiries do not meet that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit report, which is being reported by [ Credit Bureau : Equifax/Experian/TransUnion ] . The items listed below are inaccurate, outdated, or not associated with me and violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Last Payment : XX/XX/XXXX This account is reported as late closed ; however, my records indicate that all payments were made on time and the account was closed in good standing. Reporting this account inaccurately is harming my XXXX XXXX and misrepresents my payment history. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information with the credit bureaus, and they are required to conduct a reasonable investigation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and should not appear on my credit report. Under FCRA 604 ( a ) ( 3 ), inquiries require permissible purpose, and these inquiries do not meet that standard.

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am disputing the debt on my credit report. Under the FCRA, Specifically 15 USC 1681a, I demand you to verify the accuracy and validity of this debt now. Failure to provide proper verification violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I contest the accuracy of items linked to unauthorized accounts on my report. Please investigate thoroughly and delete them. Enclosures are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Upon reviewing my Consumer Report, I noticed that late payments have been reported on an account for which I have consistently maintained timely payments. As you are aware, Consumer Reporting Agencies play an essential role in ensuring that the information they provide is fair, factual, and accurate. Any inaccuracies, such as erroneous late payment notations, can cause undue harm to a consumers credit profile and financial standing.

For the account listed below, I have never missed or delayed a payment : Account Name : XXXX XXXX Account Number : XXXX Given that I have diligently met all of my financial obligations on time, I dispute the accuracy of the reported late payments. I respectfully request that your agency conduct a thorough reinvestigation into this matter. Please provide concrete evidence, such as account statements or payment records, to substantiate any claims of delinquency. 
If you are unable to produce verifiable documentation confirming the alleged late payments, I insist that these inaccuracies be corrected immediately. Specifically, I request that all erroneous late payment notations be removed and that the account be updated to accurately reflect its true on-time payment history. 
As required under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be addressed promptly and that the outcome of your investigation be communicated to me in writing. Ensuring the integrity of my consumer report is of the utmost importance, and I appreciate your cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this letter to formally dispute several accounts related to billing errors that I identified on my credit report. After reviewing my file, I found information that does not accurately reflect my payment history. I am submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which protects consumers against billing errors and provides the right to dispute and correct inaccurate information. I respectfully request a full and thorough reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I am sending this letter to formally dispute several accounts related to billing errors that I identified on my credit report. After reviewing my file, I found information that does not accurately reflect my payment history. I am submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which protects consumers against billing errors and provides the right to dispute and correct inaccurate information. I respectfully request a full and thorough reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Paid XXXX / Eastern Account Systems collection still reporting negative/inaccurate I am in the process of refinancing my home. A collection related to XXXX XXXX that is furnished by Eastern Account Systems was PAID in full on XX/XX/XXXX for {$170.00} ( payment receipt/statement attached ). Despite payment, this tradeline continues to report on my credit reports with negative status and/or a non-zero balance and conflicting remarks on XXXX XXXX XXXX XXXX XXXX XXXXlist each thats wrong ]. 


As of XX/XX/XXXX The tradeline still shows as unpaid/not satisfied/derogatory and/or reflects a non-zero balance, which is inaccurate and is suppressing my mortgage scores. 

Why this violates the law : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs and furnishers must maintain maximum possible accuracy. A paid debt reported as unpaid or not satisfied is not accurate.

FCRA 611 ( 15 U.S.C. 1681i ) CRAs must conduct a reasonable reinvestigation and correct or delete information that is inaccurate or can not be verified.

FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ) Furnishers must not furnish information known ( or that should be known ) to be inaccurate and must promptly correct and update information. 

FCRA 623 ( b ) After CRA notice of my dispute, the furnisher must investigate, review all relevant information, and report results to all CRAs so each reflects accurate, current data.

Regulation V ( 12 C.F.R. 1022.42 ) Furnishers must maintain reasonable written policies/procedures to ensure accuracy and integrity of information provided to CRAs. 

FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Prohibits communicating credit information that is known or should be known to be false, such as continuing to show a paid debt as unpaid or not satisfied. 

I am actively in a mortgage refinance. The continued inaccurate negative reporting is lowering my scores and jeopardizing my approval terms and costs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked the company to provide information for each late payment and inquiry in detail. PIease deIete these negative accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To Whom It May Concern, ( XXXX, Experian, and TransUnion ) I am writing to formally dispute the furnishing and/or obtaining of my personal credit information without my explicit written consent, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681b.

According to this statute, a consumer reporting agency may furnish a consumer report only under specific circumstances and, in many cases, only with the written authorization of the consumer. I have reviewed my credit report and identified inquiries and/or accounts that I did not authorize and for which I never provided written consent.

I am asserting my rights under federal law and requesting the following : A detailed list of all entities that have accessed or received my consumer report without my written permission.

The stated purpose for each such inquiry or furnishing.

Immediate removal of any unauthorized inquiries or accounts showing late payments on my credit file.

A reinvestigation of these entries in accordance with 15 U.S. Code 1681i.

Please consider this letter a formal dispute. I expect a response within the 30-day timeframe mandated by the FCRA. If you require additional documentation to process this dispute, please notify me immediately.

Thank you for your prompt attention to this matter. 

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 2025-10-01 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit report, which is harming my credit profile and does not accurately reflect my payment history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Payment Status : CurrentLast Payment : XX/XX/XXXX Issue : This account is reported accurately as current, but I am including it for context in connection with my overall credit file review and related inaccuracies elsewhere.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 60 Days Last Payment : XXXX late payments : XXXX : 30 days XXXX : 60 days late Issue : My records indicate that the reporting of late payments on this account is inaccurate. The account was not late as reported, or the severity of the delinquencies is overstated. This misreporting is inconsistent with my actual payment history. Under FCRA XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute inaccurate information, and credit reporting agencies must conduct a reasonable investigation and correct or remove inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit report, which is harming my credit profile and does not accurately reflect my payment history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Payment Status : CurrentLast Payment : XX/XX/XXXX Issue : This account is reported accurately as current, but I am including it for context in connection with my overall credit file review and related inaccuracies elsewhere.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 60 Days Last Payment : XXXX late payments : XXXX : 30 days XXXX : 60 days late Issue : My records indicate that the reporting of late payments on this account is inaccurate. The account was not late as reported, or the severity of the delinquencies is overstated. This misreporting is inconsistent with my actual payment history. Under FCRA XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute inaccurate information, and credit reporting agencies must conduct a reasonable investigation and correct or remove inaccurate data.

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 2025-10-01 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: TX

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX ( Acct ending XXXX ). TransUnion marked it Verified as Accurate and Updated but failed to provide any proof of investigation. They relied only on the furnishers word instead of conducting a reasonable reinvestigation, violating FCRA 1681i and 1681e ( b ).

The tradeline is inaccurate : Reports a {$950.00} payment on XX/XX/year> with no supporting proof. 

Shows contradictory statuses ( open vs in collection/past due ). 

Balance has shifted multiple times ( {$3500.00} {$2800.00} {$2600.00} ) without explanation. 


Despite these errors, TransUnion continues reporting the account as accurate.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collection agency trying to collect on debt that was ruled identity theft they removed debts from credit report and then this company put it on.

Company response to consumer: Closed with explanation