vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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:
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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: FL

Complaint narrative:
A debt was added to my credit report i have no knowledge of I was not living at this property XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I am disputing collection accounts that are being reported by XXXX XXXX XXXX XXXX and XXXX XXXX. These companies are reporting alleged debts on my credit report without providing proper validation or proof of ownership. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information is accurate, complete, and verifiable. I requested validation of these accounts and proof of permissible purpose to report them, but neither company has provided original signed contracts, assignment agreements, or chain of title to prove they have the legal right to collect or report this debt. 

Reporting an account without proof of ownership or permissible purpose is a violation of FCRA 604 and 609, as well as the FDCPA. I am requesting that these unverifiable accounts be removed from my credit reports with Experian, Equifax, and TransUnion.

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 2025-09-27 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Years ago when I opened up my student loans with different companies I did not ever use the list address to open up a contract. This is XXXX XXXX XXXX, XXXX, MI and that is what listed on my credit report being giving by Department of education and I just talked to experience today and they are refusing because its being reported by the student loan people and I have never Given that address or apply for a PO Box with that address so I believe it was a fraudulent loan account opened in my name through that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
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 non-monetary relief
Consumer complaint received 2025-09-27 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: MS

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 non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a supplemental update to CFPB Complaint # XXXX against LVNV Funding LLC / Resurgent Capital Services . 
I am submitting additional evidence, including certified dispute receipts, identity theft affidavit, interim responses that fail to meet FDCPA 809 ( b ) validation requirements, and annotated tradelines showing continued FCRA violations ( 1681s-2 ( a ), 1681s-2 ( b ), 1681i, 1681c ). 
These materials demonstrate willful noncompliance, re-aging of accounts, and deceptive practices in violation of both the FCRA and FDCPA. 
On XX/XX/XXXX, I mailed certified FCRA/FDCPA disputes to all three credit bureaus and LVNV/Resurgent ( receipt attached ). Despite receiving multiple rounds of disputes ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ), LVNV/Resurgent continued reporting inaccurate, unverifiable, and fraudulent information.

Key issues : Failure to investigate & correct after certified disputes ( FCRA 1681i ( a ), 1681s-2 ( b ) ). 
Re-aging of account ( DOFD not preserved, balance manipulated ) ( FCRA 623 ( a ) ( 5 ) ).

Failure to block fraudulent tradeline after identity theft affidavit & FBCS breach notice provided ( FCRA 605B ).

Misrepresentation and continued collection without validation ( FDCPA 1692g ( b ), 1692e ).

Suppression/mismatched reporting across bureaus ( different statuses on XXXX XXXX XXXX ) .

LVNV/Resurgent even sent a letter ( XX/XX/XXXX ) demanding I provide police reports and prosecution records before actingrequirements not authorized under the FCRA. I submitted a notarized Identity Theft Affidavit, proof of address, ID, and SSN. They ignored this and continued collections and reporting. 

I have attached certified mail receipts, dispute letters, annotated credit reports, LVNVs correspondence, and the notarized affidavit. This shows systemic, willful noncompliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: OH

Complaint narrative:
I reviewed my credit file and noticed that several accounts are being reported inaccurately. The XXXX and XXXX XXXX accounts are showing as charged-off with inconsistent balances, dates, and payment histories that do not match my records. These items appear to have errors in how they are reported and may not be verified under Metro 2 standards. 

Additionally, there are hard inquiries from XXXX of XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize these inquiries, and they were not connected to any application I completed. Because they were not properly authorized, they should not remain on my credit report. 

Due to these inaccuracies, my credit profile is being negatively impacted. I am requesting that these items be fully investigated, verified with supporting documentation, or removed entirely if they can not be confirmed as 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 2025-09-27 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: OH

Complaint narrative:
I reviewed my credit file and noticed that several accounts are being reported inaccurately. The XXXX and XXXX XXXX accounts are showing as charged-off with inconsistent balances, dates, and payment histories that do not match my records. These items appear to have errors in how they are reported and may not be verified under Metro 2 standards. 

Additionally, there are hard inquiries from XXXX of XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize these inquiries, and they were not connected to any application I completed. Because they were not properly authorized, they should not remain on my credit report. 

Due to these inaccuracies, my credit profile is being negatively impacted. I am requesting that these items be fully investigated, verified with supporting documentation, or removed entirely if they can not be confirmed as 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 explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I submitted a factual dispute regarding the XXXX account that is inaccurately reported on my Experian credit file. In my dispute, I detailed several errors and inaccuracies tied to this account and provided supporting information. Despite my efforts, the account continues to appear on my report without correction. This failure to properly investigate and correct the disputed information is in violation of my rights under 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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed that my credit report contains inaccurate personal information, specifically addresses that should not be associated with me. I have attached valid documents for your reference and ask that these addresses be removed immediately so my report reflects only accurate information.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that my credit report contains inaccurate personal information, specifically addresses that should not be associated with me. I have attached valid documents for your reference and ask that these addresses be removed immediately so my report reflects only accurate information.

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 2025-09-27 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX  and Discover are reporting the same account with contradictory balances, statuses, and delinquency dates across all three credit bureaus. This account is inaccurate and must be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AZ

Complaint narrative:
Years ago when I opened up my student loans with different companies I did not ever use the list address to open up a contract. This is XXXX XXXX XXXX, XXXX, MI and that is what listed on my credit report being giving by Department of education and I just talked to experience today and they are refusing because its being reported by the student loan people and I have never Given that address or apply for a PO Box with that address so I believe it was a fraudulent loan account opened in my name through that company.

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My credit reports are showing multiple charge-offs for one debt which is misleading. I asked them to correct and they did not. I would like this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Spoke to cash app rep today XXXX XXXX at XXXXXXXX XXXX ( after speaking again with XXXX House ) and cash app opened another ticket. 
- Advised no tickets because of dispute and the partial refund was taken back making my account overdrawn! 
Cash app gave a partial refund of {$120.00} on XXXX and on took it back on saying denied the claim, took then partial refund back of XXXX and now account is negative XXXX because money was denied on XX/XX/XXXX XXXX house is saying they dont have any tickets for me because of the dispute and gave reference # XXXX XXXX denied claim and took the portal refund back now my account is over drawn to XXXX. 

Spoke to XXXX with cash app ( 4th time speaking to the company ) and told him what was said by the XXXX house ( ticket holder ) saying they have no tickets for me because the charge was disputed. it will take 45 days for cash app to investigate AGAIN the second claim. With the tickets being for next week. Today is XXXX XXXX. 

PRETTY MUCH I HAVE NO TICKETS AND NO MONEY!! I am XXXX Spoke with XXXX XXXX app at XXXX ; XXXX on XXXX XXXXXX/XX/XXXX She told me Im basically assed out but gave me a ref # XXXX - SPOKE TO CASH APP AGAIN @ XXXX on XX/XX/XXXX ABOUT THE SATUS OF MY DISPUTE SHE ADVISED ME I CAN NOT SPEAK TO ANYONE BUT THEY WILL EMAIL ME WITH THEIR RESULTS,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
According to my Equifax credit report, this account is listed as Closed. However, other credit reports are showing it as Open with an active balance, which is inaccurate and misleading. I have enclosed documentation, including screenshots, demonstrating this discrepancy.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this be investigate and update my credit file to accurately reflect the correct account status

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