vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting XXXX XXXX XXXX XXXX  accounts under my name : Account XXXX XXXXXXXX Balance {$1000.00} Account XXXX XXXXXXXX Balance {$1200.00} XXXX mailed a certified Debt Validation request on [ insert date ] demanding validation for both accounts, including : Original signed contracts with XXXX XXXX XXXX, Complete chain of title proving assignment to XXXX, Itemized accounting of balances, Proof of permissible purpose under FCRA to report to the credit bureaus. 

XXXX has not provided any of this documentation. Reporting and collecting on these accounts without validation is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Continuing to furnish incomplete or unverifiable information is also a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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: 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There has been inaccurate accounts reporting to my credit file

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES XXXX XXXX XXXXXX/XX/year>

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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX credit card operations are handled by the bottom of the barrel, lowest cost, XXXX XXXX agents that they can find This is in addition to the complaint filed earlier XXXX Citi has repeatedly mishandled the dispute that I XXXX  initiated on XX/XX/24. They have repeatedly admitted to that on recorded lines, apologized about that and promised to do it right the next time but they still keep messing it up. As of now, I am waiting on the resolution of the XXXX attempt. 

While this is all going on, they have put negative/derogatory remarks on my credit report. I have been lied to multiple times on these recorded calls. They promised provisional credit for the disputed amount the second and the XXXX  time they had to reopen it ( because of their own stupid careless mistakes ) but never provided that. After getting fed up with their lies, I paid that amount myself before the due date. Even then they went ahead and put these negative and derogatory remarks on my credit report. 

I have never seen this level of incompetency and unprofessional behavior from any other bank. 

I will also creating a dispute with the credit reporting agencies regarding this unprofessional conduct by Citibank

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 monetary relief
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2025, I disputed multiple charge-off accounts with Equifax, Experian, and TransUnion by certified mail. The accounts in dispute are : XXXX XXXX ( Acct ending XXXX ) listed as paid/charge-off XXXX  ( Acct ending XXXX ) listed as paid/charge-off XXXX ( Acct ending XXXX ) listed as paid/charge-off XXXX XXXX XXXX  ( Acct ending XXXX ) charge-off with reported balance XXXX XXXX XXXX ( Acct ending XXXXXXXX XXXX  XXXX ) charge-offs with reported balances Despite my disputes , the bureaus have not provided proper verification or documentation of these accounts. The Fair Credit Reporting Act requires : 15 U.S.C. 1681i a reasonable reinvestigation of disputed information within XXXX  days. 
15 U.S.C. 1681s-2 furnishers must only report accurate and complete information.

15 U.S.C. 1681c negative information can not remain beyond XXXX  years. 
The bureaus failed to comply with these requirements and continue to report these charge-offs without sufficient verification. 

Requested resolution : Delete the disputed charge-off accounts from my credit file.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries were not authorized by me and are unrelated to any accounts Ive opened. Please remove them from my credit report 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] [ XX/XX/year> ]

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: 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: GA

Complaint narrative:
There is a hard inquiry on my credit profile from XXXX  XXXX XXXX. I have no applied for credit with this business. The inquiry needs to be removed immediately as this is fraudulent and a violation of my consumer rights.

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: 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:
There is a hard inquiry on my credit profile from XXXX  XXXX XXXX. I have no applied for credit with this business. The inquiry needs to be removed immediately as this is fraudulent and a violation of my consumer rights.

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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES 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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I am leasing furniture through Acima Leasing. As part of the lease, I also have insurance in the event of an injury, or involuntary unemployment. I recently lost my job and filed an unemployment claim. I provided all necessary documentation in a timely manner, but I am still being charged for this furniture. Acima is not honoring their contract. Furthermore, I have already paid double the market value of the furniture. I feel used and exploited by these predatory terms.

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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> XXXX Funding LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Request for Debt Validation To Whom It May Concern, This letter is in response to your attempts to collect an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of the debt. 

Specifically, please provide : XXXX. Proof that you are legally authorized to collect this debt. 


XXXX. The name and address of the original creditor. 


XXXX. A full accounting of the alleged amount. 


XXXX. Documentation bearing my signature that proves I am responsible. 



Until this information is provided, you must cease all collection activity, including reporting this account to credit bureaus. 

Additionally, I am aware of potential misuse and/or sale of my personal information by your agency. Be advised that such conduct violates the FDCPA and other federal laws. Any further violations will be documented and reported to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals office. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Sincerely XXXX XXXX XXXX XXXX

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXX which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for yourassistance.

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: 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: T.S. Holdings
State: AZ

Complaint narrative:
Today, we received a call from an individual claiming ( XXXX XXXX  or XXXXXXXX not sure ) we owed money. We informed them that all of our records and documentation show we do not owe anything in fact, we even received our security deposit back. 

The call was escalated to a manager, who became aggressive and threatening. Despite being told again that our documentation proves we do not owe this debt, the caller stated that nothing you have matters, threatened to place a delinquency on our account, and then abruptly hung up. 

We believe this was either a fraudulent debt collection attempt or a serious violation of debt collection rules, as the caller refused to provide verification of the alleged debt and instead used intimidation and threats. 

We are requesting this matter be investigated and that steps be taken to prevent this type of harassment.

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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( XXXX ), which has reported a debt/account that does not belong to me. Their actions appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : Key Legal Violations : XXXXFCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX has reported information that they know or should know is inaccurate. This account is not mine, making the reporting a clear violation. 
XXXXFCRA 623 ( a ) ( 2 ) After disputing this debt, XXXX XXXX has failed to investigate and correct or delete the inaccurate information. Continuing to report this incorrect data is a violation. 
XXXXFCRA 623 ( a ) ( XXXX ) XXXX XXXX has not flagged the account as in dispute while investigating, as required by law. 
XXXXFCRA 605 If the charge-off has been re-aged or incorrectly reported to extend the reporting period, it violates the statutory time limits for negative information. 
XXXXUnauthorized disclosure By selling or passing my personal information tied to a false debt to a third-party debt buyer, XXXX XXXX has potentially committed unlawful dissemination of inaccurate consumer information.

Impact : My credit report now contains inaccurate information.

This has negatively affected my credit score and my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation