vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
Complaint Category : Credit reporting or credit repair services XXXX Incorrect information on your report What happened? ( Complaint Description ) I am filing this complaint because the credit reporting agenciesExperian, Equifax, and TransUnionare reporting inaccurate, unverifiable, and outdated information on my credit reports. These include : Accounts that have not been validated or properly assigned to the current collectors.

Collections and charge-offs where no proof of ownership or legal right to collect has been provided. 

Multiple outdated addresses and employer records still listed, creating confusion and potential identity issues. 

Hard inquiries that were not authorized or are obsolete. 

I have also been a victim of a data breach involving XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ). As a result, I am requesting relief under FCRA Section 605B, which requires blocking of accounts resulting from identity theft within XXXX business days. 

Specific Laws Violated : FDCPA 15 U.S.C. 1692e : False representation of legal right to collect debt without proof.

FDCPA 15 U.S.C. 1692g : Failure to validate debts with assignment documentation.

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or unverifiable information.

FCRA Section 605B : Failure to block identity theft-related information promptly.

UCC 9-404 & 9-406 : Improper assignment and failure to show transfer of rights. 

Desired Resolution : Immediate deletion of all unverifiable, inaccurate, or improperly assigned accounts, including collections and charge-offs.

Removal of unauthorized or outdated hard inquiries.

Correction of personal information ( removal of outdated addresses and employers ).

Blocking of any accounts resulting from the data breach as required by FCRA Section 605B. 

A written confirmation of these actions and corrected credit reports.

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 2025-07-18 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: CA

Complaint narrative:
Complaint Category : Credit reporting or credit repair services XXXX Incorrect information on your report What happened? ( Complaint Description ) I am filing this complaint because the credit reporting agenciesExperian, Equifax, and TransUnionare reporting inaccurate, unverifiable, and outdated information on my credit reports. These include : Accounts that have not been validated or properly assigned to the current collectors.

Collections and charge-offs where no proof of ownership or legal right to collect has been provided. 

Multiple outdated addresses and employer records still listed, creating confusion and potential identity issues. 

Hard inquiries that were not authorized or are obsolete. 

I have also been a victim of a data breach involving XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ). As a result, I am requesting relief under FCRA Section 605B, which requires blocking of accounts resulting from identity theft within XXXX business days. 

Specific Laws Violated : FDCPA 15 U.S.C. 1692e : False representation of legal right to collect debt without proof.

FDCPA 15 U.S.C. 1692g : Failure to validate debts with assignment documentation.

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or unverifiable information.

FCRA Section 605B : Failure to block identity theft-related information promptly.

UCC 9-404 & 9-406 : Improper assignment and failure to show transfer of rights. 

Desired Resolution : Immediate deletion of all unverifiable, inaccurate, or improperly assigned accounts, including collections and charge-offs.

Removal of unauthorized or outdated hard inquiries.

Correction of personal information ( removal of outdated addresses and employers ).

Blocking of any accounts resulting from the data breach as required by FCRA Section 605B. 

A written confirmation of these actions and corrected credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
I have reviewed my credit reports from all three major credit bureaus and have found multiple accounts that are either inaccurate, outdated, or reporting in a manner that does not reflect the current status. Between XX/XX/XXXX, and XX/XX/XXXX, I submitted multiple formal disputes to Experian, Equifax, and TransUnion regarding inaccurate, outdated, or negative accounts on my credit report. These included issues with personal identifiers, paid accounts, unauthorized inquiries, and resolved debts. 

Despite providing documentation, follow-up letters, and direct bureau submissions, many of these inaccuracies and negative items remain uncorrected. These unresolved disputes violate consumer rights outlined in FCRA 602, 609, and 611, which require that all items in a consumer report be accurate, verifiable, and correctable.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have reviewed my credit reports from all three major credit bureaus and have found multiple accounts that are either inaccurate, outdated, or reporting in a manner that does not reflect the current status. Between XX/XX/XXXX, and XX/XX/XXXX, I submitted multiple formal disputes to Experian, Equifax, and TransUnion regarding inaccurate, outdated, or negative accounts on my credit report. These included issues with personal identifiers, paid accounts, unauthorized inquiries, and resolved debts. 

Despite providing documentation, follow-up letters, and direct bureau submissions, many of these inaccuracies and negative items remain uncorrected. These unresolved disputes violate consumer rights outlined in FCRA 602, 609, and 611, which require that all items in a consumer report be accurate, verifiable, and correctable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC
State: MO

Complaint narrative:
On Wednesday, XX/XX/XXXX, my husband XXXX XXXX received numerous texts from DSR holdings group ( XXXX XXXX XXXX XXXX, NY ) about a presumed debt that he owes. They are a third-party debt collector collecting on behalf of another debt collector, landmark strategy group who bought the debt from XXXX. When my husband answered the phone, there was threats of legal action to sue if he did not pay that very day. They also said that the name of the company was The XXXX XXXX, XXXX asked what that stood for and they said it doesnt stand for anything. Come to find out, that is not their name. XXXX said that he would reach back out on Friday after he talked to me and possibly consult with somebody on what is going on. Then they proceeded to contact and text XXXX mother about the debt. XXXX told XXXX, the collector on the phone explicitly do not contact my family anymore according to the fair practices act, it is illegal for them to continue to do so. In the following days between Wednesday and Friday, DSR holding group proceeded to again contact family members and text his father and brother after already speaking with XXXX on the matter. Now today on Friday, there are recordings of the phone calls in which XXXX XXXX his spouse was authorized to talk to them about the debt and simply asked for validation of the debt and chain of custody for the debt. There was not full confidence that this was not a scam and that it was a legitimate debt. Not only did the agent not agree to do so, he put her on hold and hung up. XXXX reached out again to be transferred again where she explicitly stated to not contact family again and to proceed in the future with only written communication. Also XXXX said he did not have to send any debt verification because it was sent to an old address. Which is not true. A couple hours after the call, again family members were contacted after being told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15U.S.C1681 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2025-07-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15U.S.C1681 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I am filing this complaint due to the inaccurate reporting of a collection account on my credit reports by Portfolio Recovery Associates ( PRA ) and the failure of credit bureaus to correct this information after proper dispute, including highly concerning actions by TransUnion.

The original creditor for this alleged debt was XXXX XXXX. Portfolio Recovery Associates initiated a lawsuit against me concerning this alleged debt in the XXXX XXXX XXXX Oregon for XXXX XXXX, under Case Number XXXX. On XX/XX/XXXX, this lawsuit was dismissed without prejudice by the court. This legal outcome conclusively demonstrates that the alleged debt is not verifiable as legitimately owed or collectable. 

Despite this clear court resolution, Portfolio Recovery Associates continues to report this inaccurate collection on my credit reports. 

I have formally disputed this inaccurate account with all three major credit bureaus. 

XXXX : I have disputed this account multiple times with XXXX, providing the court order of dismissal as evidence. Each time, Experian has denied my request for deletion, stating that my documentation was " not sufficient '' and relying on the furnisher 's ( PRA 's ) " verification. '' This indicates a failure to conduct a reasonable investigation, as the court 's dismissal should supersede any alleged verification. 

XXXX : I have also disputed this account multiple times with XXXX  via their online portal, similarly providing the court dismissal document. Most recently, during a chat interaction on XX/XX/XXXX, a XXXX agent denied that my account was ever disputed for a specific XXXX XXXX XXXX ( XXXX ), despite my previous submissions and receipt of dispute results. Immediately following this chat exchange, my online dispute results disappeared from my TransUnion account, and I was logged out. Upon logging back in, the dispute results reappeared, but the " date completed '' was reset to XX/XX/XXXX, indicating a possible manipulation of my dispute record or an attempt to reset their investigation timeline. 

The continued reporting of this judicially dismissed debt, coupled with the credit bureaus ' failure to properly investigate and TransUnion 's highly concerning conduct regarding my dispute records, constitutes violations of the Fair Credit Reporting Act ( FCRA ). I demand the immediate and permanent removal of this inaccurate collection account from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-18 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-18 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: TX

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Fraudulent unknown account on my credit reporting. Stopping me from getting a house for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-19 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-18 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:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-18 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:
I am formally disputing the presence of accounts reported under my name that I did not authorize, open, or manage. These accounts are being reported without my consent or knowledge, and their presence on my credit file is both inaccurate and unacceptable. 
This false information misrepresents my financial history and undermines the integrity of my credit profile. I demand immediate clarification regarding the origin of these accounts and the party responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation