vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
I am filing this complaint because TransUnion has failed to correct or properly verify multiple inaccurate, unverifiable, and fraudulent items on my credit report, despite my previous written dispute. This is now my second attempt to have this information corrected, and their inaction is harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry reporting standards. 

I provided documentation, including proof of identity and address, yet TransUnion continues to report : XXXX incorrect addresses ( XXXX XXXX XXXX XXXX XXXX, CA and XXXX XXXX XXXX, XXXX, CA ), which I have never lived at. 

Late payment entries for accounts with XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX not supported by any billing records or delinquency notices. 

XXXX charge-off accounts with XXXX that either show a {$0.00} balance ( making the charge-off inaccurate ) or can not be verified. 

A disputed late payment history with XXXX on a mortgage account that remains unverified. 

Hard inquiries from XXXX ( XX/XX/year>, XX/XX/year> ) that I never authorized and for which no permissible purpose has been provided. 

Violations of Law : FCRA 607 ( b ) : TransUnion is failing to assure maximum possible accuracy of my credit file.

FCRA 611 ( a ) : They have not properly reinvestigated and verified the disputed items within 30 days. 

FCRA 605B : They are continuing to report addresses and accounts tied to possible identity theft.

FCRA 604 ( a ) ( 2 ) : They are reporting unauthorized inquiries without permissible purpose.

Metro 2 Standards : Reporting charge-offs with a {$0.00} balance, unverifiable late payments, and false addresses violates industry guidelines. 

This continued reporting is damaging my creditworthiness, affecting my ability to access housing, credit, and fair lending opportunities. 

What would be a fair resolution : I am requesting that TransUnion : Delete all inaccurate addresses, accounts, and inquiries immediately if they can not be fully verified with original signed contracts, billing statements, and proof of permissible purpose. 

Provide a complete, written explanation of their reinvestigation process and the evidence used to verify each disputed item. 

Update my credit report to reflect accurate information only. 

If TransUnion fails to comply, I will seek further action through legal counsel and file formal complaints with the State Attorney General for their willful noncompliance under FCRA 616 and 617, which allow for statutory and actual damages.

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 2025-08-23 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: GA

Complaint narrative:
TransUnion has failed to properly investigate an inaccurate late payment on an XXXX XXXX account ( account ending in XXXX ). They report a " XXXX late '' payment in the account status, but the payment history only reflects XXXX XXXX late payment in XX/XX/year>. 

I have disputed this over three times since XXXX and received multiple " verified '' letters without proper documentation. TransUnion told me the account was verified only using personal identifiers ( name, SSN, DOB, and address ) not payment records which violates FCRA 611.

I also previously filed an FTC identity theft report, and this account was removed, but it was reinserted twice without any written notice per FCRA 605B.

I am requesting full removal of the inaccurate late payment or correction to " Paid As Agreed - Never Late ( PAANL ) '' immediately. If not, I will pursue legal action. FEDERAL LAW VIOLATIONS TransUnion is now in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including : * FCRA 607 ( b ) Reporting
inaccurate and conflicting information * FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation * FCRA 611 ( a ) ( 7 ) Failure to provide a meaningful method of verification * FCRA 623 ( a ) ( 1 ) ( A ) Supplying incomplete or false data to a consumer reporting agency * FCRA 605B Reinserted the account after identity theft without proper notice * 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with the FCRA * 15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless a reasonable period has passed ; inaccurate reporting of a 60-day delinquency conflicts with this protection.

* 15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency may not furnish a credit report without written authorization, which was never granted for this improperly reinserted item.

* 15 U.S.C. 1681 ( a ) ( 4 ) I retain a right to privacy in the handling and disclosure of my credit information, which has been violated by the unauthorized reinsertion and dissemination of this disputed data.

MONETARY RELIEF DEMAND Due to your continued violations and failure to correct this error, I am demanding monetary compensation as allowed under FCRA : * {$1000.00} per violation above, under 15 U.S.C. 1681n ( willful noncompliance ) * Compensation for : * Emotional distress * Time wasted disputing this account repeatedly * Financial harm, including delays in obtaining vehicle financing

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 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
No knowledge of this account. I tried to get them to delete this info from my report but had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 explanation
Consumer complaint received 2025-08-23 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I was contacted by MRSBPO regarding an account with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a privacy XXXX XXXX that was acquired back in XX/XX/XXXX through XXXX XXXX XXXX. I went through a XXXX XXXX bankruptcy from XX/XX/XXXX through XX/XX/XXXX. After the discharge, I received a collections notice from a former collection agency of the XXXX. I paid a settlement back in XXXX or XXXX, which I can not recall. However, I recall paying around {$10000.00} to settle the debt. Now this past XXXX XXXXXXXX, I received a collections notice from XXXX stating I owe the full amount over {$24000.00}. Not only is the statute of limitations to collect on a debt passed, 6 years in California according to my bankruptcy attorney, but they are also now stating I owe this despite having settled this with the former collections agency. Additionally, I requested evidence that I owe the debt and all they provided me was the original promissory note from XX/XX/XXXX and several other accounting documents that show dates of interest accrual from XXXX through XXXX. There is no mention of the settlement that I paid to be done with this. I am afraid they are going to threaten legal action against me, and use aggressive tactics to get me to give another settlement to be done with them. But what is to say that they will not repeat this again and come after me with a different collection agency?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently checked my credit report and saw these accounts reporting that I do not recognize.

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 2025-08-23 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: NJ

Complaint narrative:
I recently checked my credit report and saw these accounts reporting that I do not recognize.

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 2025-08-23 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I HAVE BEEN IN CONTACT WITH THIS COLLECTION COMPANY SEVERAL TIMES FOR THEM TRYING TO COLLECT ON A FRAUD INSURANCE POLICY AND NOW THERE TRYING TO COLLECT ON ANOTHER FRAUD INSURANCE POLICY THATS NOT MINE AND I EVEN CALLED XXXX XXXX AND THEY DON'T EVEN HAVE MY NAME IN THERE SYSTEM AS A CONSUMER. I HAVE NOW FILED A COMPLAINT WITH THE NC INSURANCE COMMISSAR ABOUT THIS ONGOING PROBLEM WITH THIS COLLECTION COMPANY. I HAVE XXXX  AND I DON'T EVEN HAVE A DRIVERS LICENSE NOR A CAR AND IM XXXX XXXX XXXX SO HOW DO I EVEN GET CAR INSURANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I am filing a complaint to disputing the accuracy and continued reporting of several accounts and inquiries appearing on my credit file. Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I am requesting a reasonable reinvestigation and removal of these items unless they can be verified with complete and accurate documentation. 
My report contains a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}. This information is inaccurate and unverifiable and must be deleted in accordance with the law. In addition, there is a charge-off reported by XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$12000.00}. Because this charge-off exceeds {$600.00} and no IRS Form 1099-C has been issued , the reporting is unlawful and must be removed. 
There are further charge-off accounts being reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}, and XXXX XXXX  XXXX * XXXX with a {$0.00} balance. These accounts are obsolete and their continued reporting violates FCRA 605 ( a ), 15 U.S.C. 1681c, which prohibits outdated negative information from remaining on a consumers credit file. These must therefore be deleted.

Additionally, my report reflects several collection accounts that are the direct result of identity theft. Specifically, these include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with reported balances of {$880.00} and {$890.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$550.00}, and XXXX XXXX XXXXXXXX XXXX XXXX  with a balance of {$11000.00}. Under FCRA 605B, 15 U.S.C. 1681c-2, such fraudulent information must be blocked from my report once an identity theft report has been provided.

Finally, my credit report includes unauthorized inquiries from XXXX XXXX XXXX  dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and do not meet the permissible purpose requirements of FCRA 604 ( a ), 15 U.S.C. 1681b ( a ). If obtained under false pretenses, they would also violate FCRA 619, 15 U.S.C. 1681q. As such, these inquiries must also be 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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I originally reached out to LVNV Funding Regarding and allege debt. I requested a debt validation. Under the FDCPA- 15 U.S.C 1692g ( b ) - collection activities until Validation is provided. Validation must include : The amount of the debt, The name of the original creditor, A statement that the consult has 30 says to dispute the debt, and proof of the debt and original sign contract. I sent out a second letter of proof of validation on the XXXX of XXXX and only got a text. The FCRA-15 U.S.C 1681s-2 ( a ) b- Furnisher ( like Collectors ) may not report inaccurate or unverifiable information. I have not receive any proof of this allege debt. They have 30 days to respond or have to permanently remove the item. I have attached a picture of the certified mail receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX RESURGENT/LVNV FUNDING XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern : I, XXXX XXXX, born XX/XX/XXXX, am formally notifying you to cease and desist all communication with me regarding the above-referenced account. 


Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all direct contact with me concerning this matter.

You are hereby instructed to : 1. Cease all phone calls, letters, emails, and any other form of direct contact with me.

2. Refrain from communicating with any third parties regarding this account, except as permitted by law.

If you believe you have a valid claim regarding this alleged debt, you may provide written verification of the debt to my address listed above. Otherwise, any further attempts to contact me, aside from legally permitted notices, will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


This letter is not to be construed as an acknowledgment or acceptance of any alleged debt. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation ) In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. 
66 Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 Balanced {$0.00} XXXXXXXX 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 XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation