vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies because both of my XXXX accounts XXXX ending in XXXX ( reported as Debt included in or XXXX through XXXX, with late payments recorded after the XXXX  XXXX filing, originally opened XX/XX/XXXX, last reported XX/XX/XXXX ) and XXXX ending in XXXX ( reported as Late Closed, showing a balance of {$1700.00}, originally opened XX/XX/XXXX, last reported XX/XX/XXXX ) have been inaccurately furnished and are being reported by all three credit bureaus despite clear evidence of factual inconsistencies. For the XXXX-related account, XXXX incorrectly furnished post-XXXX  late payments, which is impossible once a XXXX XXXX case is filed and constitutes a failure to maintain accurate reporting under FCRA 607 ( b ) and a violation of my dispute rights under FCRA 611 and the time-limit restrictions under 605 ( a ) ( 1 ) ; these late payments do not align with the XXXX  timeline and have severely impacted my credit. For the second XXXX account, the company is reporting late payments after the account was closed, which can not occur on a closed account and constitutes a billing-related reporting error that falls under 15 U.S.C. 1666 ( Correction of Billing Errors ) and a violation of 15 U.S.C. 1666a, as creditors may not continue negative reporting during a disputed or inaccurate billing situation. Additionally, for both accounts, XXXX failed its duties as a furnisher under FCRA 623 ( a ) ( 2 ) to correct and update inaccurate information, and under FCRA 623 ( b ) to properly investigate after receiving notice of a dispute from me and from the credit bureaus. These repeated inaccuracies across XXXX separate XXXX accounts demonstrate a pattern of improper data furnishing, inconsistent account histories, and disregard for federal reporting standards, causing significant harm to my creditworthiness and preventing me from rebuilding financially.

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 2025-11-19 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: SC

Complaint narrative:
Experian I am disputing the company XXXX XXXX XXXX The salesperson gave my husband and I misleading information about the timeshare stating that we can get a room anytime and anywhere. When we call them, we are not able to get a room when we want. They also told us that we were able to rent out the timeshare when we were not using it and later found out that was illegal. We tried numerous times to reach out to the sales associate and were unable to get anyone. They told us our information was private but once we signed, it became public knowledge. We start receiving calls from different people trying to get money from us to rent out our timeshares. This is a formal request for the immediate termination of our timeshare contract with XXXX XXXX XXXX which was upgraded in XX/XX/year>. During this upgrade, we had to endure a three-hour presentation where we repeatedly declined but was pressured into accepting. We were promised more flexibility and availability ; however, it was false. As I stated at the beginning, we had tried to make reservations for various dates ( April 2025-June 2025 ) and were unable to get in. The different fees also were a strain financially for us. I believe XXXX XXXX used harassment, mis presentation, deceptive practices and we are very disappointed that a company would do this. The sales personnel used deception intended to result in financial gain which is fraud. 
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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This debt was recently purchased by LVNV Funding LLC. It is a debt that has been dormant ever since the last collection company failed to appear in Court and it was dismissed by the judge in XXXX. There has been no payment on said debt since XXXX. As this debt lies well outside the XXXX  year statute of limitations for the state of Missouri I have ordered the company to cease and desist any attempts to communicate with me or to collect this debt via XXXX separate response emails on XXXX consecutive days, beginning XXXX XXXXXX/XX/XXXX, and again on XXXX XXXX On XXXX XXXX XXXX XXXX XXXXXXXX, I received a text message to my phone attempting contact. This debt collector is refusing to observe the state statute of limitations and the FDCPA as they repeatedly continue to try to force capitulation from the debtor despite being informed that the deptor wish them to cease and desist any further attempts at communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-11-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 explanation
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-11-19 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Compliance Unauthorized Inquiries To Whom It May Concern, On [ date of first 609 letter ], I submitted a request under FCRA Section 609 ( a ) ( 1 ) ( A ) for full verification of the following inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To date, you have failed to provide documentation bearing my signature authorizing these inquiries. Under FCRA Sections 611 and 623, failure to provide proper verification within 30 days constitutes a violation of the law. Therefore, these unverified inquiries must be deleted immediately. 

Please provide written confirmation of deletion within 15 days of receipt of this letter. If you continue reporting unverifiable information, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, 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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-11-19 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: TX

Complaint narrative:
I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent reporting of my XXXX XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit reports from Experian, Equifax, and TransUnion. Upon review of my credit reports, I have identified the following discrepancies : XXXX. Conflicting Dates of Last Activity and Reported Dates : Experian reports the Date of Last Activity as XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. 
Date Reported is inconsistent across the bureaus : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. 
XXXX. Account Status Discrepancies : Experian and Equifax report the account as Closed, while TransUnion reports it as Open. 
Payment status and creditor remarks vary inconsistently across all three credit bureaus. 
XXXX. Derogatory Reporting Issues : All three bureaus list this account as derogatory with a past due amount of {$600.00}, yet the account has been disputed by me and reported as disputed by TransUnion. 

Under the FCRA, I am entitled to accurate reporting of my credit accounts. These inconsistencies constitute inaccurate reporting, as the same account is listed differently across the credit bureaus, including conflicting dates, account status, and payment history. 

Requested Resolution : I request that the CFPB direct the credit reporting agencies and XXXX XXXX to : XXXX. Investigate and verify the accuracy of this account. 
XXXX. Correct all inaccurate or inconsistent information. 
XXXX. Delete any information that can not be verified or is reported inconsistently across the bureaus. 
XXXX. Update my credit reports to reflect the accurate status of this account. 

Supporting Documentation : Copies of my credit reports from Experian, Equifax, and TransUnion highlighting the discrepancies. 
Any prior correspondence with XXXX XXXX regarding this account dispute. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
No one never informed me about the debt that I had in the VyStar system before opening an accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  failing to void out the withdrawal slip. Another slip that should have been filled with would indicate the actual transaction for that day. Someone instructed her not to give anything until the debt was paid. So money never left from behind the counter. AT the end of the night the money should have come up as an error XXXX overage. 

XXXX XXXX XXXX XXXX ) ordinary care XXXX XXXX XXXX XXXX  ) ( XXXX ) ( A ) C. XXXX XXXX XXXX ) wrongful dishonor XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX denied me a business account due to collection fee of {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX Deceptive and unfair Trade practices Act XXXX XXXX XXXX XXXX XXXX XXXX teller XXXX would not honor my withdrawal. In return, he gave me a copy of the withdrawal slip oversized to fill XXXX papers. I was asking for a large amount. He gave a large no. As you see in the file. 

XXXX XXXX XXXX XXXX XXXX XXXXrongful dishonor H. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defamation of character XXXX. ACT. ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX collection fee This is from XXXX years ago that they sent my income tax back to IRS. I had a talk with the IRS. They said a paper check was on the way then advised me to go elsewhere. The return check fee at VyStar is {$30.00} there for they will not say where it came from. I paid XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX UDAAPS ) Unfair Deceptive, Abusive Act or Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized closed my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Act XXXX Day hold of money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False report to investigating authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They said it was a systems error that I have full control over my funds but yet its still I was getting dishonored while dealing with my mothers death. Please help me this is very serious.

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