vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXXXXXX due to the ongoing reporting of an unauthorized account on my credit report. Despite multiple disputes and the submission of supporting evidence, including FTC Fraud Reports and CFPB complaints, this account continues to appear on my credit report with TransUnion, marked as " Verified as Accurate. '' The account, under XXXX XXXX XXXXXXXX ( Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX  ), was reported without my consent or authorization, and I have never signed any agreement or received any communication related to this account prior to its appearance on my credit report. I initially disputed this account in XX/XX/year> and followed up with further disputes in XXXX and XX/XX/year>, all of which included documentation that proved the account was reported without my authorization. These disputes were filed through certified mail and included supporting documents, such as fraud alerts and identity theft reports, yet XXXX XXXX XXXX has failed to address this issue. Their continued reporting of this account violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681b, which prohibits reporting information without permissible purpose, and 15 U.S.C. 1681e ( b ), which mandates the accurate reporting of consumer information. The continued presence of this unauthorized account on my credit report is causing significant financial and XXXX XXXX. It is negatively affecting my credit score, limiting my access to financial products and opportunities, and causing undue frustration. This ongoing issue has not only harmed my credit profile but also created unnecessary XXXX, impacting both my financial well-being and my personal life. Despite my attempts to resolve this directly with the credit reporting agency and XXXX XXXX XXXX, the matter remains unresolved.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
DEAR RESURGENT RECEIVABLES LLC XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
In XXXX I disputed late payments reported between XX/XX/XXXX and XX/XX/XXXX on my federal student loan tradelines serviced by XXXX and reported by Equifax. During that period, my loan was being transferred between servicers ( XXXX and XXXX ), and I never received billing statements or notices of the transfer. I have maintained the same permanent address the entire time. 

After my dispute, the bureau stated that the late payments were verified as accurate. I then exercised my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 7 ), by sending a written Method of Verification ( MOV ) request by certified mail. The bureau received my MOV request but closed its reinvestigation without providing the required details of who verified the information or what documentation was used. 

XXXX has confirmed to me by phone that it does not have billing statements or transfer records for the disputed periodonly internal notes. Internal notes are not verifiable records under the FCRA. 

Because the bureau did not provide a proper Method of Verification and the furnisher lacks documentation, the late payments from XX/XX/XXXX XX/XX/XXXX remain unverifiable under the FCRA. I am requesting deletion of these late payment entries and confirmation that only accurate, verifiable information be reported going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TrueAccord Corp.
State: OH

Complaint narrative:
The company is violating my rights They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my customers report recently. I am XXXX  out because the company is violating my rights under 15 U.S.C 1681s data furnishes are required to report only accurate and completed information. Report on unverifiable or inaccurate data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am sending this to formally request the immediate blocking of a fraudulent account that has appeared on my credit file. This situation has caused me serious concern and XXXX, as I have always taken great care to protect my personal and financial information.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Working with a debt management company and the payment is debited on the XXXX, and funds are dispersed on the XXXX or the next business day if it falls on a weekend or holiday. Bank of America agreed to the concessions proposed by the debt management program. However, one of my cards included with the debt management program has a due date of the XXXX. I attempted to get Bank of America to change the due date so that I don't incur late fees or penalties, and was transferred multiple times before speaking to a supervisor who told me that since my accounts were closed, they are unable to change my due date. However, other financial institutions have been accommodating, even though the accounts are closed there as well. I have been unable to resolve this matter with the institution.

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 2025-11-07 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: CA

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 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am very upset at this point! The FCRA requires to correct or remove any informant on my credit profile that is not 100 % accurate. These accounts are making it extremely hard for me to obtain credit and get things I need for my family! I DEMAND that these accounts be deleted IMMEDIATELY! The dispute has NOT! been RESOLVED I have inquiries on my profile that were NEVER authorized by me I have made serval complaint and disputes to the appropriate credit bureaus, and all attempts have gone overlooked this is my final attempt to correct the matter before taken further action. 



I have also sent a copy of all previous correspondence to the CFPB and your states Attorney General. Lastly, I REQUEST they provide me a copy of my report, the results of actions no later than 5 business days after the completion of the reinvestigation I apologize for being so upset, however, your mistakes are causing me a world of trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
b'XXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX  MD XXXX\n\nTransUnion Consumer Solutions\nXXXX XXXX XXXXr, PA XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:\n\n1.\XXXX XXXX XXXX XXXX XXXX  \n2.\tXXXX XXXX XXXX XXXX XXXX \n3.\tXXXX XXXX XXXX XXXX XXXX \n4.\tXXXX XXXX XXXX XXXX XXXX  \n5.\XXXX XXXX XXXX XXXX XXXX \n6.\tXXXX XXXX XXXX \n7.\tXXXX XXXX XXXX \n8.\tXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX \n9.\XXXX XXXX XXXX XXXX \n10.\tXXXX XXXX XXXX XXXX \n11.\XXXX XXXX XXXX XXXX XXXX \n12.\tXXXX XXXX XXXX XXXX XXXX XXXX \n13.\tXXXX XXXX XXXX XXXX XXXX \n14.\tXXXX XXXX XXXX XXXX XXXX XXXX \n\nINQUIRY:\n1.\tXXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nXXXX 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 non-monetary relief
Consumer complaint received 2025-11-07 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Westlake Services, LLC
State: TX

Complaint narrative:
I am reporting multiple unauthorized hard inquiries that appeared on my XXXX  credit report. I did not apply for or authorize any credit applications during this period. These inquiries are fraudulent and are damaging my credit score. I have disputed these directly with the credit bureau and am requesting CFPB oversight to ensure they are permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am reporting multiple unauthorized hard inquiries that appeared on my XXXX  credit report. I did not apply for or authorize any credit applications during this period. These inquiries are fraudulent and are damaging my credit score. I have disputed these directly with the credit bureau and am requesting CFPB oversight to ensure they are permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NORTHWEST BANCSHARES INC
State: GA

Complaint narrative:
North West Bank refuse to release the title for my XXXX  XXXX XXXX after they received the lien release letter via fax and email sent to them twice from my attorney office XXXX XXXX. I have contacted them continuously for over a month in a half left message and had their own customer service representative contact the litigation department manager XXXX and her subordinate by the name of XXXX via email and phone transfer and I have yet to receive my title or a call back from them or any representative of NorthWest bank to resolve this matter and my title to be sent to 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I contact a mortgage lender to refinance my home loan. The mortgage lender did a hard pull for my XXXX XXXX which showed the following scores : XXXX  score is XXXX, Transunion is XXXX and Equifax is XXXX That is XXXX points lower than what i saw in the free credit report ( XXXX ) with TransUnion and Equifax XXXX It turns out the lower score is because of a collections account that shows the account was paid in full, but was not deleted for more than a year after it was paid. The collections agency is XXXX XXXX XXXX. The collections agency failed to delete the account for more than a year after account was paid, that adversely impacted my score. 

When contacted, the credit bureau 's were not giving a satisfactory explanation as to why paid account is still impacting my hard pull score compared to free score report and why it was not deleted in time. They also did not give an estimate on when credit report will be updated after I called the collections company to delete the account. This was causing a lot of stress for me during the critical time of refinancing my mortgage with my lender and affected the prospect of getting a better interest rate for no fault of mine.

Company response to consumer: Closed with explanation