vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I have attempted several times to contact and I get the run around of course the debt of course keeps getting sold to other people and I believe should not be my responsibility anymore I had a XXXX XXXX Loan for XXXX over 7 years ago I turned this loan over to XXXX XXXX XXXX who consolidated it down to XXXX and I paid it down to XXXX The credit LVNV Funding is now saying that this debt along with a XXXX credit card debt I owe a total of XXXX. My wages were garnished for two pay periods at work so they got over XXXX at of me. I lost that job though so luckily the garnishment will stop. I spoke to someone at the credit bureau and she said there were so many inaccurate things on my report and illegal things being done I just don't have money to dispute it being unemployed at the moment. I have proof one of the debts from LVNV is not correct the one from the credit card is almost paid now because of the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion.

Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.

Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.

Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

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 2025-09-25 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:
Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion.

Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.

Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.

Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

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 2025-09-25 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-25 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

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 2025-09-25 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-25 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
15 U.S.Code 168 ( I ) procedure in case of disputed accuracy the account is inaccurate which is tarnishing my reputation 15 U.S.Code ss1692 ( d ) this also falls under 15 U.S.Code 1681 ( e ) Banks cant lend 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-09-25 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I Call Capital One to Get My Last Name Change And Also Telephone Number. They got My Drivers License I sent Online And Social Security Number. They Replied back Saying They Couldnt Change it So Im guessing its Fraud!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 am filing this complaint for continued noncompliance with the Fair Credit Reporting Act ( FCRA ) and failure to correct blatantly inaccurate and unverifiable data on my credit report. 

I have submitted multiple written disputes since XXXX, and despite that, the inaccurate information still remains. This includes inconsistent reporting of dates, account balances, charge-off details, and false payment history. It is clear at this point that the bureau is failing to meet its legal obligations under FCRA 1681e ( b ), 1681i, 1681o, and 1681n. 

ACCOUNT XXXX XXXX ( Acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity is different across bureaus : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX This inconsistency suggests potential re-aging, which is unlawful. 
High Credit is inaccurate : TransUnion : {$8100.00} Equifax : {$7600.00} Equifax reports OK payment history in XXXX, despite a XXXX charge-off. That is factually false and deceptive. 


LEGAL GROUNDS FOR ACTION 1681e ( b ) Failure to maintain maximum possible accuracy 1681i Failure to reinvestigate disputes properly 1681o / 1681n Negligent and willful noncompliance 611 ( a ) ( 5 ) ( A ) Data that can not be verified must be deleted, not updated

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 2025-09-25 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: NJ

Complaint narrative:
I am filing this complaint against Experian because they continue to report accounts and personal information that are unauthorized, inaccurate, and harmful to me. Experian is reporting two XXXX accounts ( XXXX and XXXX ) as well as an XXXX XXXX account ( XXXX ) that I never authorized, never consented to, and have no contractual relationship with. The continued furnishing of these accounts is a direct violation of 15 U.S.C. 1681b ( 2 ), which prohibits consumer reporting agencies from furnishing a consumer report or information without the written instructions of the consumer. Experian has also failed its duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy and under 15 U.S.C. 1681i to conduct a proper reinvestigation. In addition to these unauthorized accounts, Experian is also reporting inaccurate personal information. They have listed XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ as if they were mine. These addresses are not associated with me and their presence on my file increases the risk of further identity theft. My only correct and current address is XXXX XXXX XXXX Fl XXXX, XXXX XXXXXXXX XXXX XXXX. My correct employer is Construction Pros. By failing to remove inaccurate identifiers and by continuing to circulate false information, Experian is violating 15 U.S.C. 1681e ( b ) and causing financial harm. I have already submitted an FTC Identity Theft Report, which under 15 U.S.C. 1681c-2 requires Experian to block and remove identity theft-related information within four business days. They have ignored this obligation. They have also ignored 15 U.S.C. 1666a, which prohibits reporting disputed debts as delinquent while they remain under dispute. Instead, Experian has allowed fraudulent and inaccurate information to remain on my file, damaging my score and harming my ability to secure credit, housing, and financial opportunities.

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 2025-09-25 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: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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