vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Momnt on XX/XX/year> under the account number XXXX with a balance of {$7800.00}. This accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!!! 

I am disputing this account on the grounds that the debt has not been properly validated by the furnisher ( XXXX XXXX XXXX ). The company failed to provide documentation proving I owe this debt, including a signed agreement, full payment history, or legal proof of assignment. I request that this account be deleted as it is unverified and inaccurate under FCRA 611 and 623. 
Although XXXX provided some documents, they have failed to demonstrate a complete chain of title, full account history, or conclusive documentation establishing this debt as valid and collectible. As such, I dispute the accuracy of this reporting and request deletion under FCRA 611. Specifically, the " signed application '' is incomplete, and XXXX XXXX XXXX failed to directly tie the account with a Bill of Sale or Assignment of Contract that names my account.

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 2025-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was incredibly upset to see an unauthorized inquiry appear on my credit report for no reason. I check my report regularly, and this kind of discrepancy has never shown up before. I even refreshed the page thinking it might be a system error, but it didnt go away. Im demanding that the documents I submitted be thoroughly reviewed right now so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing multiple federal student loan accounts inaccurately reported by the XXXX. of XXXX and XXXX. Several accounts closed in XXXX were later reopened and re-aged in XXXX and XXXX, despite being inactive for years. This is an unlawful practice under the Fair Credit Reporting Act ( FCRA ). These loans should have aged off my credit report in XXXX but continue to appear with inaccurate dates and statuses. My identity was also impacted by a known federal data breach, increasing the likelihood of misreporting or identity compromise. I have submitted disputes with the credit bureaus, but the inaccuracies persist, causing damage to my credit profile and financial stability. I am requesting that these accounts be fully removed from my credit reports, and that the CFPB investigate the re-aging practices and data reporting violations by XXXX and the Department of Education.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing multiple federal student loan accounts inaccurately reported by the XXXX. of XXXX and XXXX. Several accounts closed in XXXX were later reopened and re-aged in XXXX and XXXX, despite being inactive for years. This is an unlawful practice under the Fair Credit Reporting Act ( FCRA ). These loans should have aged off my credit report in XXXX but continue to appear with inaccurate dates and statuses. My identity was also impacted by a known federal data breach, increasing the likelihood of misreporting or identity compromise. I have submitted disputes with the credit bureaus, but the inaccuracies persist, causing damage to my credit profile and financial stability. I am requesting that these accounts be fully removed from my credit reports, and that the CFPB investigate the re-aging practices and data reporting violations by XXXX and the Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing multiple federal student loan accounts inaccurately reported by the XXXX. of XXXX and XXXX. Several accounts closed in XXXX were later reopened and re-aged in XXXX and XXXX, despite being inactive for years. This is an unlawful practice under the Fair Credit Reporting Act ( FCRA ). These loans should have aged off my credit report in XXXX but continue to appear with inaccurate dates and statuses. My identity was also impacted by a known federal data breach, increasing the likelihood of misreporting or identity compromise. I have submitted disputes with the credit bureaus, but the inaccuracies persist, causing damage to my credit profile and financial stability. I am requesting that these accounts be fully removed from my credit reports, and that the CFPB investigate the re-aging practices and data reporting violations by XXXX and the Department of Education.

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 2025-05-05 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: TX

Complaint narrative:
This situation has been incredibly stressful, and I cant explain how exhausting it is to keep seeing inaccurate, false information reported under my name. Ive worked hard to stay honest and build a better future, but these errors on my credit report are setting me back in a major way. As a consumer, I know I have rights yet it feels like theyre being ignored. My credit applications keep getting denied, and I'm stuck living paycheck to paycheck because of these mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
The company, Jefferson Capital Systems LLC, sent me mail claiming that I owed XXXX XXXX $ from a debt 3 years ago. I called them to dispute that because I said I have been with XXXX XXXX  who owns XXXX for years and they never told me I had a debt. I do not even remember having a sprint account. 

I called XXXX XXXX and gave the reference number ( XXXX ) that Jefferson Capital Systems LLC provided to me and XXXX XXXX said the debt was related to a completely different person. 

I disputed the transaction with Jefferson and they never changed anything and still claim I owe them the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
The debt collector sent a bill not a contract or anything with wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-05 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am disputing inaccurate and harmful information being reported on my credit report by LVNV Funding LLC. The following accounts appear on my report and are causing significant damage to my creditworthiness : LVNV FUNDING LLC # XXXXXXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC # XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC # XXXXXXXX XXXX XXXX XXXX XXXX These accounts are either inaccurate, unverifiable, or do not belong to me. I have attempted to resolve this matter directly with the credit reporting agencies and/or LVNV Funding, but the errors remain and continue to negatively impact my ability to move forward with my financial life. 

Due to these accounts, I have been denied housing and credit opportunities, and my peace of mind has been affected. These entries are unfair and do not reflect my true credit behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$530.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXX  BALANCE : {$530.00}, XXXX XXXXXXXX XXXX XXXX XXXX  BALANCE : {$220.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and 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 2025-05-05 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-05 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date : [ XXXX ] XXXX Consumer Assistance XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Inaccurate Reporting and Request for Documentation XXXX Account Dear XXXX Dispute Department , I am writing to formally dispute an inaccurate item currently appearing on my XXXX credit report. The account in question is listed under XXXX and is being reported as a collection account with an outstanding balance, despite having been closed on XX/XX/XXXX. 

Here are the account details for reference : Creditor : XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$650.00} Last Reported : XX/XX/XXXX This account is inaccurately reflecting an open balance after being closed, and this misreporting could be harming my creditworthiness. I respectfully request that this information be investigated and either corrected or removed from my credit report if it can not be verified as accurate. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I request that XXXX provide a copy of the original written agreement or documentation showing that I authorized XXXX or any third party to access or use my credit. Without such documentation, this account should not be reported on my credit file. 

Please complete the investigation within the 30-day time period required by law and provide written results, along with any documentation relied upon in your decision. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief