vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XXXX and XXXX, I discovered fraudulent credit card accounts on my credit reports from the following companies : XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX  ( XXXX accounts ending in XXXX and XXXX ) These accounts were the result of identity theft and were properly disputed and deleted from my credit files. However, in XX/XX/XXXX, they were reinserted into my credit reports without any advance notice or legal justification. 

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), when previously deleted information is reinserted : The credit bureau must notify the consumer in writing within XXXX business days ; and Disclose the name, address, and phone number of the furnisher that certified the accuracy of the information. 

I received no such notice and was not provided with the identity of any furnisher. This reinsertion occurred despite my prior FTC Identity Theft Report, which clearly documents these accounts as fraudulent. The actions of the credit bureaus and any furnishers involved constitute willful and negligent violations of my rights under federal law and have harmed my credit and financial reputation. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within XXXX business days of reinsertion and to disclose the identity of the furnisher. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be inaccurate or previously disputed. 
FCRA 1681c-2 : Requires permanent blocking of identity theft-related information when a valid identity theft report is submitted. 
FCRA 1681n and 1681o : Provides remedies for willful and negligent noncompliance, including actual and statutory damages. 



What would be a fair resolution? 
XXXX. Permanent deletion of the fraudulent accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  from all credit reports. 
XXXX. A written explanation from each credit bureau that includes : The reason and date for the reinsertion ; The name, address, and phone number of each furnisher who certified the reinsertion ; An explanation of why I was not notified as required by FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Correction of my credit file and credit score, including removal of all negative impacts caused by these accounts. 
XXXX. Written assurance that these accounts will not be re-reported again unless all FCRA requirements are strictly followed. 
XXXX. If the credit bureaus or furnishers are found to have acted willfully or negligently, I request appropriate regulatory enforcement and/or statutory damages under FCRA 1681n and 1681o.

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 2025-07-15 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: TX

Complaint narrative:
ALL 3 CREDIT BUREAS ARE REPORTING CHILD SUPPORT PAYMENTS ON MY CONSUMER REPORT THAT IS ILLEGAL ACCORDING TO 15 USC 1681B ( a ) ( 4 ) PERMISSIBLE PURPOSES OF CONSUMER REPORTS. THE CONSUMER REPORT WILL BE KEPT CONFIDENTIAL, WILL BE USED SOLELY FOR THE PURPOSE DESCRIBED IN SUBPARAGRAPH ( a ) - the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments. WILL NOT BE USED IN CONNECTION WITH ANY OTHER CIVIL, ADMINISTRATIVE, OR CRIMINAL PROCEEDING, OR FOR ANY OTHER PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX Subject : Formal Complaint Fraudulent Accounts on My Credit Report Dear CFPB Representative, I am writing to formally submit a consumer complaint against the credit reporting agencies for reporting fraudulent accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my previous attempts to resolve this matter directly with the agencies and furnishers, the unauthorized accounts remain, causing me significant harm. Details of Fraudulent Accounts : XXXX XXXX XX/XX/XXXX ( Acct # XXXX ), XXXX XXXX  XX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) Legal Grounds : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or fraudulent information, and credit reporting agencies are required to conduct a reasonable investigation and remove or correct any unverifiable information within 30 days. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers of information are legally obligated to investigate disputes forwarded to them by a CRA and XXXX report the results to the CRA. Moreover, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that a credit bureau violates the FCRA if it fails to conduct a reasonable reinvestigation, especially in cases where the consumer has provided evidence of fraud or identity theft. The court emphasized that the burden is on the agency to verify the accuracy of information not simply to rely on the furnishers word. Further, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reiterated that maintaining inaccurate information on a credit report after a reasonable dispute constitutes willful noncompliance under 15 U.S.C. 1681n, which is subject to statutory and punitive damages. Requested Action : I respectfully request that the CFPB investigate this matter and compel the credit reporting agencies to : 1. Immediately remove all fraudulent accounts from my credit report ; 2. Provide written confirmation of the deletions ; 3. Sanction any data furnishers or CRAs that have failed to comply with FCRA requirements. I am enclosing copies of supporting documents, including identification, a copy of my credit report with the disputed items highlighted, and previous dispute letters sent to Experian, TransUnion, and Equifax. I appreciate your prompt attention to this matter and look forward to your resolution. 
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 2025-07-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX Subject : Formal Complaint Fraudulent Accounts on My Credit Report Dear CFPB Representative, I am writing to formally submit a consumer complaint against the credit reporting agencies for reporting fraudulent accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my previous attempts to resolve this matter directly with the agencies and furnishers, the unauthorized accounts remain, causing me significant harm. Details of Fraudulent Accounts : XXXX XXXX XX/XX/XXXX ( Acct # XXXX ), XXXX XXXX  XX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) Legal Grounds : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or fraudulent information, and credit reporting agencies are required to conduct a reasonable investigation and remove or correct any unverifiable information within 30 days. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers of information are legally obligated to investigate disputes forwarded to them by a CRA and XXXX report the results to the CRA. Moreover, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that a credit bureau violates the FCRA if it fails to conduct a reasonable reinvestigation, especially in cases where the consumer has provided evidence of fraud or identity theft. The court emphasized that the burden is on the agency to verify the accuracy of information not simply to rely on the furnishers word. Further, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reiterated that maintaining inaccurate information on a credit report after a reasonable dispute constitutes willful noncompliance under 15 U.S.C. 1681n, which is subject to statutory and punitive damages. Requested Action : I respectfully request that the CFPB investigate this matter and compel the credit reporting agencies to : 1. Immediately remove all fraudulent accounts from my credit report ; 2. Provide written confirmation of the deletions ; 3. Sanction any data furnishers or CRAs that have failed to comply with FCRA requirements. I am enclosing copies of supporting documents, including identification, a copy of my credit report with the disputed items highlighted, and previous dispute letters sent to Experian, TransUnion, and Equifax. I appreciate your prompt attention to this matter and look forward to your resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Pine XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-15 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: IN

Complaint narrative:
I filed a dispute with Experian which came back as verified as accurate and i will say that i do not accept the findings of the furnishers who do not provide proof of their investigation. I ask that Experian provide me with the exact detail via mail and not through their online portal and provide me proof of how this debt was verified as accurate. 

I also requested validation of the debt directly from XXXX XXXX and asked for the following : o Proof of ownership of the alleged debt, o Full chain of assignment from the original creditor to the current collector, and o Forward flow agreement or purchase agreement, per 15 U.S.C. 1692g and established case law.

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 2025-07-15 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-15 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
New development : On XX/XX/year>, I received a new invoice from XXXX showing a {$0.00} balance. 

This appears to confirm that the debt was sold or transferred to a third party. 

However, XXXX is still reporting the account as a charge-off with a full balance on my credit report. 

Why this is a problem : If XXXX sold or transferred the debt, they should not continue reporting a balance. 

This violates FCRA 623 ( a ) ( 1 ) ( A ) furnishers must report accurate information. 

They also never issued a 1099-C, which is required if a debt is charged off or forgiven over {$600.00}. 

This may violate IRS Code 6050P. 

The invoice, payment history, and credit report all show different amounts, creating confusion and inaccuracy. 

I also dispute the validity of this account entirely Ive never received full documentation proving I owe this personally. 

What happened Previously : In XX/XX/year>, I noticed that XXXX XXXX was reporting a charged-off account on my personal credit report. 

I disputed the account with the credit bureaus and requested validation from XXXX. 

XXXX responded with limited documents, but they never provided full verification or a method of verification, as required by law. 

Their representative stopped responding after I followed up with questions.

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 2025-07-15 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: CA

Complaint narrative:
I am filing this complaint regarding a debt collection account from Resurgent Capital Services/ LVNV Funding related to a XXXX Money loan that was already under dispute when transferred. 

XXXX XXXX provided a response to my BBB complaint claiming the account was sold to LVNV on XX/XX/year>. However, the first letter I received from Resurgent was dated XX/XX/XXXX, XXXXbefore the supposed sale date. That letter did not arrive at my home until XX/XX/XXXX, which is 12 days later. This raises serious concerns about backdating or delayed mailing. 

Even more concerning, Resurgents XX/XX/XXXX letter claims the debt was acquired on XX/XX/year>, not XX/XX/XXXX as XXXX told the BBB. They cant both be true. This inconsistency suggests false or misleading statements were made to a government-affiliated agency ( the BBB ), and I now have two separate dates claimed as the debt transfer date. 

Additionally, the balance being collected is now {$11000.00}, while XXXX reported {$10000.00}. Resurgents own letter shows {$0.00} in interest and {$0.00} in fees, so how did the balance increase by over {$1100.00}? This appears to be a violation of 15 USC 1692e ( 2 ) ( A ) misrepresentation of the amount of debtand potentially the XXXX Fair Debt Collection Practices Act. 

On XX/XX/year>, I sent Resurgent a certified debt validation request and a formal request that all communication be in writing. That letter was signed for on XX/XX/XXXX. Yet I received their first collection letter after that, which indicates they continued collection without validating the debt, in violation of 15 USC 1692g ( b ). 

Finally, XXXX XXXX submitted two separate responses to the BBB, and both were identicala generic letter stating the account had been sold. This ignores the documented evidence I provided to the BBB showing collection activity and communication before that sale date.

Company response to consumer: Closed with non-monetary relief