vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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 submitting this complaint to dispute multiple inaccuracies and unverifiable information on my credit report, which may adversely affect my creditworthiness. The following accounts contain information that appears inaccurate, incomplete, or unverifiable 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 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 inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. Furthermore, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a thorough reinvestigation.

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 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my prior dispute of numerous inaccuracies on my Equifax credit report. Despite my earlier complaint, the report continues to show incorrect accounts, collections, a repossession, unauthorized inquiries, and inaccurate personal information. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  still reflects a balance of {$610.00}, XXXX XXXX XXXX XXXXXXXX shows incorrect payment status, XXXXXXXX XXXX XXXXXXXX reports {$5300.00}, XXXX XXXX XXXX XXXX reports {$2000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1400.00}, and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  shows {$1400.00}. 
Unauthorized inquiries, including the XXXX inquiry dated XX/XX/year>, remain on my report. My personal information continues to be inaccurate, listing the incorrect name and addresses instead of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
These continued inaccuracies violate FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681s-2 ( a ) ( 1 ) ( A ), and are harming my creditworthiness while misrepresenting my financial history.

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 2025-10-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
I regret to inform you that I must dispute the accounts mentioned in my consumer credit report due to their association with potential fraud or unauthorized activity. I respectfully request verifiable evidence bearing my signature/electronic signature. This letter represents my personal request, and I emphasize the importance of reviewing it thoroughly. The actions taken without proper validation or original proof by the reporting companies have infringed upon my consumer rights under FCRA Section 604. I express my disappointment and concern over the unauthorized inquiries and actions taken regarding my accounts. These actions have caused me significant distress and demand a prompt resolution in line with the Fair Credit Reporting Act. 

XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate items currently listed on my TransUnion and Equifax credit report, which have significantly impacted my credit score and misrepresented my true credit history. These inaccuracies include incorrect personal information, invalid addresses, and inconsistent payment reporting for my XXXX XXXX accounts. These errors directly violate the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( b ), which require that all consumer reporting agencies and furnishers of information maintain the highest level of accuracy, completeness, and verifiability in their records. 
Upon careful review, I found an inaccurate name, XXXX, XXXX, appearing on my report. I have never used, been associated with, or authorized the use of this name in any financial or legal documentation. The inclusion of another individuals name on my file suggests a possible mixed or merged credit file error. Under FCRA 607 ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. Therefore, this name must be immediately deleted from my credit profile as it is not connected to my identity in any form. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
This is complaint against Gurstel Law Firm. I already filed same complaint against XXXX and XXXX XXXX. 
Gurstel Law firm was representing XXXX XXXX who are debit collectors that purchased loan, I have no contract with them or know who they are. 
In XX/XX/XXXX, my original lender, XXXX XXXX XXXX XXXX ( XXXX ), issued IRS Form 1099-C reporting that my personal loan was canceled for {$3900.00}. The IRS accepted this 1099-C filing on XX/XX/XXXX, confirming the debt was treated as discharged for tax purposes. 

Despite that cancellation, XXXX or its affiliates later transferred or sold the same account to XXXX XXXX XXXX, which hired Gurstel Law Firm P.C. to collect through litigation. XXXX and Gurstel filed XXXX XXXX Superior Court case No. XXXX and obtained a writ of execution ( EJ-130 ) dated XX/XX/XXXX. This writ attempted to collect the exact account that had already been reported to the IRS as discharged. 

Both XXXX XXXX and XXXX continue furnishing negative information about this account to the credit bureaus. XXXX  still lists it under XXXX , and XXXX  lists it under XXXX XXXX. These reports show balances and charge-off statuses that are inaccurate because the debt was canceled years earlier and should show a XXXX balance or be deleted entirely.

This conduct misrepresents the debts legal status and violates : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) for attempting to collect a canceled debt ; The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and California Consumer Credit Reporting Agencies Act ( Civ. Code 1785.25 ) for furnishing inaccurate credit information ; and The California Rosenthal Fair Debt Collection Practices Act ( Civ. Code 1788.17 ) for using unfair or deceptive collection methods.

I have attached supporting exhibits : Exhibit A : Form 1099-C and IRS acceptance proof ; Exhibit B : Court filings and EJ-130 writ; Exhibit C : Current XXXX  report I request that the CFPB investigate these companies for collecting and reporting a debt that was already canceled, require immediate deletion or correction of the inaccurate tradelines, and ensure that XXXX XXXX, Gurstel Law Firm, and XXXX XXXX cease all collection activity related to this discharged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-16 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:
On XX/XX/year>, I sent TransUnion a complete identity theft dispute package, including a police report, FTC Identity Theft Report ( # XXXX ), proof of identity, and proof of address. USPS Certified Mail confirmed delivery on XX/XX/year>. 

Despite having all the required documentation, TransUnion failed to comply with FCRA 605B, which requires that all fraudulent information be deleted or blocked within XXXX ( XXXX ) business days after receiving sufficient proof of identity theft. 

As of XX/XX/year>, TransUnion continues to report fraudulent accounts, names, and addresses that I already proved do not belong to me. This violates FCRA 605B, 607 ( b ), 611 ( a ), 616, and 617, as well as XXXX XXXX Compliance Guidelines and Florida consumer protection laws ( FDUTPA and FCCPA ). 

I have attached my Final Notice of Intent to Litigate dated XX/XX/year>, the FTC and police reports, the credit report dated XX/XX/year>, and proof of delivery showing that TransUnion received my dispute. I am requesting that the CFPB ensure TransUnion complies immediately with the law and permanently deletes all fraudulent information from my credit report.

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 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my previous report about inaccurate late payment information on my XXXX  accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my earlier dispute, Experian, Equifax, and TransUnion continue to report severe delinquencies 90, 120, and 180 days late from XXXX through XX/XX/year>, with last activity dated XX/XX/year> and balances of {$2900.00}, {$920.00}, and {$3700.00}. 
These late payment entries are completely inaccurate and unverifiable. I have not received any documentation or proof from the furnisher to validate these reports. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), furnishers must provide accurate and verifiable information, and the credit bureaus are required to delete unverifiable data. The continued reporting of these false delinquencies has caused ongoing damage to my credit reputation and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 am submitting this follow-up complaint regarding my previous report about inaccurate late payment information on my XXXX  accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my earlier dispute, Experian, Equifax, and TransUnion continue to report severe delinquencies 90, 120, and 180 days late from XXXX through XX/XX/year>, with last activity dated XX/XX/year> and balances of {$2900.00}, {$920.00}, and {$3700.00}. 
These late payment entries are completely inaccurate and unverifiable. I have not received any documentation or proof from the furnisher to validate these reports. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), furnishers must provide accurate and verifiable information, and the credit bureaus are required to delete unverifiable data. The continued reporting of these false delinquencies has caused ongoing damage to my credit reputation and 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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-10-16 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within XXXX ( XXXX ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}, DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX BALANCE : {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  BALANCE : {$1900.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX BALANCE : {$2200.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  BALANCE : {$2000.00}, DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX BALANCE : {$2100.00}. 


I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that Equifax immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Per 15 U.S.C. 1692g is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that outlines a consumer 's right to request validation of a debt. This section mandates that debt collectors provide specific information to consumers and cease collection efforts under certain circumstances. 

I XXXX do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the high balance nor do I recognize the late payments associated with this account. Everything reported here does not meet the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Per 15 U.S.C. 1692g is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that outlines a consumer 's right to request validation of a debt. This section mandates that debt collectors provide specific information to consumers and cease collection efforts under certain circumstances. 

I XXXX do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the high balance nor do I recognize the late payments associated with this account. Everything reported here does not meet the FCRA.

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 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my previous submission about inaccuracies on my credit report. Despite my prior complaint, my file continues to show incorrect personal information, including the name XXXX XXXX XXXX and addresses XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX, TN XXXX, none of which are accurate. These violations continue under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) .Closed accounts, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, still report late payments despite XXXX balances. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remains listed as a charged-off account with a {$0.00} balance, and XXXXXXXX XXXX XXXX XXXX continues to show a repossession with a {$6300.00} balance. These entries are inaccurate and unverifiable under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Unauthorized inquiries, including XXXX on XX/XX/year>, remain on my report without my consent, violating FCRA 604 ( a ) ( 3 ).

Company response to consumer: Closed with explanation