vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MS

Complaint narrative:
The closed accounts on my report do not belong to me, please see the letter attached with the following accounts : 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 2025-09-08 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: MS

Complaint narrative:
The closed accounts on my report do not belong to me, please see the letter attached with the following accounts : 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 non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 2025-09-08 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 writing to follow up on my previous complaint regarding fraudulent items that remain on my credit file. While I acknowledge that some items have already been removed, there are still accounts and inquiries being reported that were opened without my knowledge or authorization.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file that does not include fraudulent or unauthorized information. Continued reporting of these items, despite my dispute, is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires that disputed information be corrected or deleted if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint regarding fraudulent items that remain on my credit file. While I acknowledge that some items have already been removed, there are still accounts and inquiries being reported that were opened without my knowledge or authorization.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file that does not include fraudulent or unauthorized information. Continued reporting of these items, despite my dispute, is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires that disputed information be corrected or deleted if it can not be verified.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXXXXXX Late Date Reported XX/XX/year> to XX/XX/year> These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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: IL

Complaint narrative:
Re : XXXX XXXX Inaccurate, misleading post-closure derogatory reporting ( Re-aging ) XXXX XXXX Account : XX/XX/XXXXXXXX Business Credit Card, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX {$500.00}, balance {$0.00} ( screenshots attached ). 
Latest reporting shown : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

Dear CFPB, and credit reporting agencies I am filing a complaint against XXXX  XXXX for furnishing inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

Whats wrong - The account was closed on XX/XX/XXXX and shows {$0.00} balance and settled/paid. 
- Despite closure, XXXX XXXX  tradeline continues to add monthly Late/Derogatory notations throughout XXXX. A closed, zero-balance account can not generate new missed payments. This makes it appear I kept missing payments after the account ended. 
- The remarks are contradictory and misleading : Paid profit and loss, and Settledless than full balance, and Dispute resolved reported by grantor. These mixed labels distort the actual status and harm my creditworthiness.

Why this violates the law - FCRA 623 ( a ) ( 1 ) ( A ) A furnisher shall not furnish information it knows or has reasonable cause to believe is inaccurate.

- FCRA 623 ( a ) ( 2 ) Duty to correct and update information ; once notified, the furnisher must stop reporting misleading data.

- FCRA 607 ( b ) Requires maximum possible accuracy.

- FCRA 623 ( a ) ( 5 ) The Date of First Delinquency ( DOFD ) must not be re-aged.

Harm These false, rolling derogatories depress my scores, extend the appearance of delinquency into XXXX, and have resulted in lost credit opportunities. 

What I want CFPB to require XXXX XXXX to do 1. Remove all XXXX late/derogatory marks from the payment grid and history.

2. Report the final, accurate, non-misleading status : Closed Settled ( or Paid ), {$0.00} balance, with no new lates after the closure date.

3. Eliminate contradictory remarks and use a single, accurate remark.

4. Provide me written confirmation and cause the CRAs to update within 15 days. 

Exhibits : A. XXXX XXXX screenshots showing account Closed XX/XX/XXXX with XXXX lates still being added ; Reported XX/XX/XXXX. 
B. Payment-status panel showing Payment after charge-off/collection, XXXX days late, and the contradictory remark set. 

Respectfully, 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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the supporting documents with this request to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AR

Complaint narrative:
A formal dispute of inaccurate and unverifiable entries currently listed on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a reinvestigation of the items outlined below and their removal within the required 30-day period as mandated by federal law.

After thoroughly reviewing my credit file, I identified the following items that are either completely inaccurate or not associated with me in any way : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NC

Complaint narrative:
I currently have service with XXXX XXXX but when I check my credit report I have XXXX accounts with XXXX. Ive been this service for almost XXXX years and never heard anything about these accounts. Please remove these accounts because I know nothing about them nor have I had more than XXXX account. 

JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ( {$790.00} ) JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ( {$970.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-09-08 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: IL

Complaint narrative:
I am demanding immediate removal of the XXXX account being inaccurately reported on my credit file. This account is fraudulent, closed in XXXX, and yet continues to be updated derogatorily in XXXX, XXXX, and XXXX. The data furnisher ( XXXX ) and the credit bureau are in direct violation of federal credit reporting laws. 

Violations Identified : 1. Illegal Re-Aging The account shows new late payments in XXXX, despite closure in XXXX and last activity in XXXX. This violates FCRA 623 ( a ) ( 5 ).

2. Exceeding 7-Year Reporting Period By law, under FCRA 605 ( a ), derogatory accounts may not be reported beyond 7 years. Continued reporting in XXXX is unlawful. 

3. False Balance Reporting Highest balance reported as {$0.00}, yet current balance listed as {$310.00}. This inconsistency violates FCRA 607 ( b ) accuracy requirements.

4. Fabricated Payment History Showing 75 late payments ( XX/XX/XXXX entry ) is impossible and constitutes knowingly furnishing false information ( FCRA 623 ( a ) ( 1 ) ( A ) ).

5. Failure to Mark Fraudulent Dispute As this account was reported as fraud, the bureaus are required to mark it properly under FCRA 623 ( a ) ( 3 ). They have failed to do so.

6. Ongoing Willful Harm Each update is an intentional act of re-aging, prolonging damage to my credit standing in violation of FCRA 616 & 617.

DEMAND FOR ACTION : - Immediate and permanent deletion of this Discover tradeline from all credit bureau reports.

- Written confirmation of deletion within 15 days.

- Full investigation into XXXX  unlawful re-aging and false reporting practices.

If this account is not immediately deleted, I will escalate with legal counsel and file additional actions for damages under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I do not know about this account. It was present as a debt {$860.00} that wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
Re : XXXX XXXX Inaccurate, misleading post-closure derogatory reporting ( Re-aging ) XXXX XXXX Account : XX/XX/XXXXXXXX Business Credit Card, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX {$500.00}, balance {$0.00} ( screenshots attached ). 
Latest reporting shown : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

Dear CFPB, and credit reporting agencies I am filing a complaint against XXXX  XXXX for furnishing inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

Whats wrong - The account was closed on XX/XX/XXXX and shows {$0.00} balance and settled/paid. 
- Despite closure, XXXX XXXX  tradeline continues to add monthly Late/Derogatory notations throughout XXXX. A closed, zero-balance account can not generate new missed payments. This makes it appear I kept missing payments after the account ended. 
- The remarks are contradictory and misleading : Paid profit and loss, and Settledless than full balance, and Dispute resolved reported by grantor. These mixed labels distort the actual status and harm my creditworthiness.

Why this violates the law - FCRA 623 ( a ) ( 1 ) ( A ) A furnisher shall not furnish information it knows or has reasonable cause to believe is inaccurate.

- FCRA 623 ( a ) ( 2 ) Duty to correct and update information ; once notified, the furnisher must stop reporting misleading data.

- FCRA 607 ( b ) Requires maximum possible accuracy.

- FCRA 623 ( a ) ( 5 ) The Date of First Delinquency ( DOFD ) must not be re-aged.

Harm These false, rolling derogatories depress my scores, extend the appearance of delinquency into XXXX, and have resulted in lost credit opportunities. 

What I want CFPB to require XXXX XXXX to do 1. Remove all XXXX late/derogatory marks from the payment grid and history.

2. Report the final, accurate, non-misleading status : Closed Settled ( or Paid ), {$0.00} balance, with no new lates after the closure date.

3. Eliminate contradictory remarks and use a single, accurate remark.

4. Provide me written confirmation and cause the CRAs to update within 15 days. 

Exhibits : A. XXXX XXXX screenshots showing account Closed XX/XX/XXXX with XXXX lates still being added ; Reported XX/XX/XXXX. 
B. Payment-status panel showing Payment after charge-off/collection, XXXX days late, and the contradictory remark set. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief