vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
I am submitting this statement to formally dispute and request a reinvestigation into multiple inaccuracies appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( A ) and XXXX ( XXXX XXXX XXXX ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agencies are obligated to conduct a reasonable investigation to ensure accuracy and fairness in the reporting process. 
The following charge-off accounts are being disputed for inaccurate reporting and failure to reflect the true status of my accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$1300.00} * * XXXX XXXX XXXX XXXX * * Balance : {$610.00} * * Additionally, the following collection accounts appear to have been reported inaccurately or without proper verification of debt ownership and balance accuracy : XXXX XXXX XXXX XXXX * * Balance : {$600.00} * * XXXX XXXX XXXX XXXX * * Balance : {$480.00} * * XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} * * XXXX XXXX XXXX XXXX * * Balance : {$870.00} * * The above items may violate FCRA XXXX ( b ) ( XXXX XXXX XXXX ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. If these debts can not be verified with the original creditor or validated with documentation, they must be deleted or corrected immediately. 
I am also disputing the following inquiries, which I did not authorize or which were obtained without a permissible purpose under FCRA XXXX ( XXXX XXXX. XXXX ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX multiple ) GLOBAL LENDING SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XX/XX/XXXX ADVANTAGE/ADVANTAGE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WEBBANK/AVAN XX/XX/XXXX RESTIGE FIN XX/XX/XXXX FOURSIGHT CA XX/XX/XXXX If these inquiries can not be verified as authorized, they should be removed under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), which prohibit the inclusion of unauthorized or unverifiable inquiries on a consumer report. 
In accordance with FCRA XXXX ( a ) ( XXXX ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Therefore, I request that each furnisher and XXXX XXXX XXXX conduct a full investigation and provide verification documents or remove the items that can not be substantiated.

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 2025-10-22 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting accounts that were fraudulently opened in my name. I have provided proof that I was incarcerated during the time frame and the person who falsely opened the account is the reason I was incarcerated. The bill shows that persons email in the contact. If you google the address of service that persons name pops up and even with all the proof they still continue to report it to my credit. This is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because my credit report still lists outdated and inaccurate personal information, despite multiple requests to have it corrected. 
I have contacted the credit reporting agency three times to remove old addresses and employment information that are no longer valid. These outdated records serve no purpose in identifying me and may cause confusion or misidentification. As of my most recent credit report, dated XX/XX/XXXX, the following information remains on file and should be removed : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Updated : XX/XX/XXXX My current and correct address is : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX this is the only address that should appear on my report. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain the maximum possible accuracy of consumer information. Continuing to report outdated data violates this obligation and negatively impacts the integrity of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-22 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-22 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX and their collection agency, Credit Collection Services ( CCS ) XXXXAccount number XXXX I attempted multiple times to cancel my XXXX  XXXX policy before it renewed. The XXXX mobile app would not allow me to complete the cancellation, and when I called customer service on several occasions, I was told that the system was down and to call back later. Despite my efforts, the policy remained active, and I was later billed for a balance I did not authorize. 

XXXX then sent this disputed amount of approximately {$1600.00} to Credit Collection Services ( CCS ), which is now reporting it as a collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX {$4200.00} EPT OF XXXX XXXX {$5700.00} EPT OF XXXX XXXX {$2400.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX XXXX {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am submiitng to formally dispute and request an investigation into several items currently appearing on my credit report. These include charge-off accounts, a late closed account, public bankruptcy records, and a questionable credit inquiry. Upon reviewing my credit file, I have found discrepancies, incomplete information, and potentially unverifiable entries that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the legal right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. In addition, FCRA 607 ( b ) requires credit reporting agencies to ensure all information they report is as accurate as possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or should know to be inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} Original Creditor : XXXX  XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: WI

Complaint narrative:
I am submiitng to formally dispute and request an investigation into several items currently appearing on my credit report. These include charge-off accounts, a late closed account, public bankruptcy records, and a questionable credit inquiry. Upon reviewing my credit file, I have found discrepancies, incomplete information, and potentially unverifiable entries that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the legal right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. In addition, FCRA 607 ( b ) requires credit reporting agencies to ensure all information they report is as accurate as possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or should know to be inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} Original Creditor : XXXX  XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-22 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-10-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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