vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
XXXX of XXXX  after viewing my credit report I realized their were XXXX collection accounts for the same account from XXXX XXXX. I reached out to them directly to resolve the issue but was told that the accounts were being handled by Credit Collection Services. I paid all of these accounts in full and have attached the bank records. They continue to report a balance of {$420.00} to XXXX  and XXXX. I have tried numerous disputes and other avenues to get this information removed from my credit reports with no luck. I paid a total of XXXX but because this total includes several accounts their still saying it's not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
This is a formal complaint against Experian, Equifax, and TransUnion for failing to remove fraudulent accounts, unauthorized personal identifiers, and obsolete information from my credit files despite my submission of an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ), supporting identification, and multiple dispute letters. 

XXXXXXXX XXXX XXXXXXXX of Fraud XX/XX/year> Upon reviewing my credit report, I discovered collection accounts from XXXX XXXX ( Acct XXXX XXXXXXXX ) and XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) that I never opened. 

At the same time, I found multiple incorrect personal identifiers, including past addresses ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ), employer entries, and name variations ( including XXXX XXXX ), none of which I authorized or verified. 

I immediately filed an FTC Identity Theft Report and submitted disputes to all three credit bureaus on XX/XX/year> with supporting documentation, demanding removal under applicable law. 

Legal Basis for Dispute The credit bureaus have clear statutory obligations : FCRA XXXX ( a ) ( XXXX ) Requires CRAs to block fraudulent accounts within XXXX business days of receiving an Identity Theft Report. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Requires CRAs to conduct a reasonable reinvestigation and remove unverified accounts. 

FCRA XXXX ( a ) ( XXXX ) ( A ) If furnishers can not verify with signed contractual proof, the disputed items must be deleted. 

FCRA XXXX ( a ) ( XXXX ) Protects the consumers right to privacy by prohibiting retention of outdated or unauthorized personal identifiers. 

FDCPA XXXX ( a ) Prohibits debt collectors from reporting or attempting collection without proper validation of the debt. 

The continued presence of these accounts and identifiers shows a failure to comply with these laws. 

Impact on Me as the Consumer These inaccurate and fraudulent entries have : Damaged my creditworthiness, potentially affecting access to credit, housing, and employment. 

Created an ongoing risk of mixed files and identity confusion. 

Caused stress, financial uncertainty, and the burden of repeated disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX  ) 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 2025-07-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I am writing to formally dispute the collection account that LVNV funding is reporting to the credit bureaus regarding an alleged debt from a collection company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this collection company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am filing a formal complaint against the collection agency XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). They are currently reporting a collection account under account number XXXX ' with a balance of {$450.00} related to a utility bill. The reporting of this account across XXXX, XXXX, and XXXX  is inconsistent and unverifiable. 
Issues include : - Conflicting dates of first delinquency between bureaus- Status changes and payment updates that do not match- No proof of validation ever provided- Account may be associated with inaccurate personal identifiers Applicable FCRA laws being violated include : 15 U.S.C. 1681e ( b ) : Credit reporting agencies and furnishers must follow reasonable procedures to ensure maximum possible accuracy. This includes preventing inconsistent or contradictory data from appearing across bureaus. 
15 U.S.C. 1681s-2 ( b ) : As a furnisher, XXXX XXXX is required to conduct proper investigation after a consumer dispute and correct or delete any inaccurate or unverifiable information. 
15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) : Any data that can not be verified must be promptly removed from the consumers file. 
15 U.S.C. 1681n & 1681o : These allow me to seek legal damages if XXXX XXXX willfully or negligently fails to comply with FCRA requirements. 
I request that the CFPB investigate this matter and compel XXXX XXXX XXXX XXXX to either fully validate the account or delete it entirely from my credit report. Failure to comply with these legal obligations subjects them to further regulatory and civil consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing inaccurate, misleading, and damaging information being reported on my credit report by Regional XXXX XXXX, which is listed as a charge-off auto loan account. 

The account reports multiple FCRA violations, including : False late payments when my monthly scheduled payment is listed as {$0.00} XXXX separate repossession events listed for a single account ( double reporting ) Continued monthly balance updates after it was charged off, which is misleading and punitive A {$7000.00} payment not properly reflected in the account balance I have disputed this account with all XXXX credit bureaus and included highlighted screenshots showing these violations. Rather than correcting the information or deleting it, they continue to report it inaccurately. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is materially harming my credit score. I am requesting that Regional XXXX XXXX and the credit bureaus be ordered to delete this account completely from all of my credit reports. 

I am attaching the evidence I submitted to the credit bureaus. 


Ive also called the company to get clarification and have been ignored & got no response Ive been told I would be called back never got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
The original Medical debt Was with XXXX XXXX XXXX XXXX. I do not Recognize this company and/or XXXX attached to my credit profile. The original account was sold so the balance was paid in full by XXXX XXXX XXXX XXXX XXXX with out my consent or No Formal Contract between I XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. This illegal and XXXX. I Didnt not Contract with XXXX  XXXX XXXX XXXX XXXX And I do not Recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 writing to notify you of an error regarding a late payment that has been reported on my credit report. Based on my personal records and banking history, I dispute the accuracy of this claim and assert that the payment was made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I noticed that there were some inquiries on my credit profile that don't belong 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 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OK

Complaint narrative:
Received notice of a medical debt XXXX XXXX XXXX XXXX account for XXXX. I have no such debt and this collector needs to stop sending letters and communication. It looks as though this is a third party creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
XX/XX/XXXX I received a text message about a debt I had from XXXX XXXX. I havent had internet through them in years. ( I believe XXXX ). It says I owe {$340.00}. When I closed the account I did not owe anything. I personally called XXXX  and cancelled it! They were begging to keep me as a customer but I found a better place at a better cost. 

I never received ANY notice by phone, email, mail saying I owed a debt until XXXX of XXXX when it is now in collections. It is not accurate. 

I called them and asked what it was for and they said they couldnt go back in their system to look.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX  XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Collection accounts are listed on my report that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below 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 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 XXXXXX/XX/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 2025-07-28 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: IN

Complaint narrative:
This account does not belong to me. I never opened or authorized this account, and I have every reason to believe it was either reported in error or the result of identity theft.

I have already taken steps to protect my identity, including filing an official Identity Theft Report with the Federal Trade Commission at identitytheft.gov. Im requesting that you immediately investigate and remove this account from my credit report under FCRA Section 605B.

Please confirm deletion in writing and send me an updated copy of my credit report reflecting the changes.

Company response to consumer: Closed with explanation