vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
My credit report is showing inacurate and unauthorized accounts reporting under my name. These remarks are affecting my credit health.

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 2025-05-12 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: WI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

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 2025-05-13 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: VA

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, CHALLENGED OR NOT.

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 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) on my Equifax credit report. This {$64.00} collection was deleted from both XXXX and XXXX  after my disputes. 
However, Equifax continues to report the account with factual inaccuracies, including : A Date of Last Activity of XX/XX/XXXX, which precedes the Account Open Date of XX/XX/XXXX. 
A contradictory account status ( marked Open in some areas, Closed in others ).

No evidence of validation or proper notification from the current debt owner ( XXXX ).

Despite these issues, Equifax verified the account without correction. This violates the FCRAs accuracy requirements ( 607 ( b ) ) and reinvestigation standards ( 611 ).

I am requesting the CFPB direct Equifax to delete this account, explain their verification process, and ensure the item is not reinserted without proper notification as per 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I never gave this company any permission to access my credit. I didnt apply for anything with them, and I never authorized a credit check of any kind. This inquiry was done without my knowledge or consent, and thats a serious 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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
A debt company that after researching Ive discovered uses illegal practices to scam people using debt is sending me repeated text messages referring to me with my fathers first name and no last name saying that I can get a discount on paying for apparent debt that is owed. I have received no letter or any other form of information on this debt and no valid information on what kind of debt it is. Either my and/or my fathers identity was stolen due to my personal cell phone number is being associated with my fathers name. The debt company is called Central Portfolio Control Inc. and they are allegedly accredited by the XXXX XXXX XXXX and I saw they have multiple recent complaints filed against them by others with similar issues to my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Account Reporting XXXX Account Dear CFPB, I am filing this complaint to formally request the removal of an inaccurately reported account from my credit reports with TransUnion, Experian, and Equifax. 

Account Details : Creditor Name : XXXX Account Number : Ends in XXXX Opened : XX/XX/XXXX Status : Closed / Paid Balance : {$0.00} Type : Secured loan Despite the account being paid in full with no balance due, both TransUnion and Experian are inaccurately reporting 30- and 60-day late payments, which are factually incorrect. These late marks are misleading and damaging. Additionally, Equifax does not report this account at all, resulting in an incomplete credit profile.

I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. The account was paid in full, with no valid late payments.

2. The reporting is inconsistent and inaccurate across bureaus.

3. The ongoing negative marks violate my rights under 15 U.S. Code 1681i and 1681s-2, which require data furnishers and CRAs to ensure the accuracy and integrity of reported information. Resolution Requested : I
am requesting a complete deletion of this XXXX account from all three credit bureaus ( TransUnion, Experian, and Equifax ) due to inaccurate, inconsistent, and unverifiable reporting. I have attached screenshots of the reporting from IdentityIQ for reference.

Please investigate this matter urgently and ensure that this account is deleted from all reports to prevent further harm to my creditworthiness. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Account Reporting XXXX Account Dear CFPB, I am filing this complaint to formally request the removal of an inaccurately reported account from my credit reports with TransUnion, Experian, and Equifax. 

Account Details : Creditor Name : XXXX Account Number : Ends in XXXX Opened : XX/XX/XXXX Status : Closed / Paid Balance : {$0.00} Type : Secured loan Despite the account being paid in full with no balance due, both TransUnion and Experian are inaccurately reporting 30- and 60-day late payments, which are factually incorrect. These late marks are misleading and damaging. Additionally, Equifax does not report this account at all, resulting in an incomplete credit profile.

I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. The account was paid in full, with no valid late payments.

2. The reporting is inconsistent and inaccurate across bureaus.

3. The ongoing negative marks violate my rights under 15 U.S. Code 1681i and 1681s-2, which require data furnishers and CRAs to ensure the accuracy and integrity of reported information. Resolution Requested : I
am requesting a complete deletion of this XXXX account from all three credit bureaus ( TransUnion, Experian, and Equifax ) due to inaccurate, inconsistent, and unverifiable reporting. I have attached screenshots of the reporting from IdentityIQ for reference.

Please investigate this matter urgently and ensure that this account is deleted from all reports to prevent further harm to my creditworthiness. 

Sincerely, 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 2025-05-12 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: GA

Complaint narrative:
This complaint is a follow-up to CFPB Case # XXXX, which was previously closed despite TransUnions failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

TransUnion did not provide the required documentation or transparency during its reinvestigation of the disputed accounts. Specifically, TransUnion failed to : XXXX. Produce a signed agreement or application proving I am responsible for the alleged debts. 


XXXX. Provide a chain of custody or assignment, showing transfer of the debt from the original creditor to the current furnisher. 


XXXX. Supply a complete itemized breakdown of account balances, fees, payments, and interest. 


XXXX. Disclose how the investigation was conducted, including what documents were reviewed and which furnishers were contacted, as required under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



In addition, TransUnion continues to report forgiven or discharged debts including those tied to XXXX filings as active and collectible. This is misleading and inaccurate, violating : FCRA XXXX XXXX XXXX XXXX  Furnishers must report accurate and current information FCRA XXXXXXXX XXXX XXXX XXXX Obligation to maintain maximum possible accuracy FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting obsolete data FCRA XXXX XXXX XXXX XXXX Failure to reinvestigate properly These errors have significantly impacted my creditworthiness and hindered my ability to secure housing, business funding, and personal financial progress. I am requesting that the CFPB require TransUnion to comply with all legal obligations and delete any account that can not be properly validated.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pulling my credit report on XX/XX/year> Trans Union have my information in accurate my payment history for XXXX XXXX it has no payment history that is incorrect

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This is not my debt. I did not open this account, nor did I authorize anyone to open it on my behalf. I have never had an account with XXXX XXXX Bank, and I have no relationship with LVNV Funding LLC or Resurgent Capital Services. This account was opened without my knowledge or consent and appears to be the result of identity theft. I dispute this debt in its entirety under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Under these laws, I have the right to dispute any debt I believe is fraudulent, and you are required to cease collection and verify the debt. I also demand that this account be removed from my credit reports in compliance with FCRA XXXX and that all collection activity stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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 - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} I.C. XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXXXXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-05-12 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:
Delete - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$610.00}, XX/XX/XXXX ) * * : TransUnion, XXXX, and XXXX reported an unverified account without payment history, claiming a false payment on XX/XX/XXXX, which Plaintiff denies owning. 

- XXXX - delete - not 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 non-monetary relief
Consumer complaint received 2025-05-12 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: CA

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 explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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