vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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 submitting this follow-up complaint as my third formal request to have fraudulent accounts and unauthorized inquiries removed from my credit report. These items are the result of identity theft, and I did not authorize or initiate any of the activity in question. 
According to FCRA 605B 15 U.S.C. 1681c-2, you are required to block information from a consumers credit file if it is a result of identity theft and the proper documentation has been submitted. I have previously provided these documents and am resubmitting them for your convenience. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-08-05 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: WI

Complaint narrative:
I am writing to formally dispute certain negative items, unauthorized inquiries, and inaccurate address information currently appearing on my credit file. These entries do not accurately reflect my financial history or personal identifying information and may have been added in error or through unclear reporting procedures. Under the Fair Debt Collection Practices Act ( FDCPA ) 808 [ 15 U.S.C. 1692f ], the use of unfair or unconscionable means to collect or report a debt is strictly prohibited. This includes the reporting of inaccurate, unverifiable, or misleading information to credit reporting agencies. 
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain accounts that are appearing on my credit report. Upon reviewing my file, I noticed that specific accounts were furnished and reported to the credit bureaus without my written consent or authorization. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, one of which includes the consumer giving written permission.

Additionally, 15 U.S.C. 1681a ( c ) defines what constitutes a consumer report and who may access or furnish it. At no point did I authorize, in writing, for these accounts to be reported to or shared with any consumer reporting agency.

I am requesting a thorough investigation into how these accounts were added to my report and on what legal basis they are being furnished. If the furnishers can not produce my signed, written authorization allowing them to report or share this information, I respectfully request that the accounts in question be deleted from my credit report immediately in accordance with federal law. 

Please provide written confirmation once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Please see supporting documents pertaining to XXXX  data breach

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-08-05 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: NY

Complaint narrative:
On my TransUnion credit report, the XXXX XXXX XXXX XXXX XXXX account balance was unlawfully increased from {$600.00} to {$1000.00}. This account was already charged-off and should not have had any balance increases. TransUnion also reported it as delinquent despite it being a profit-and-loss write-off. These updates were made while my disputes were pending and after I had submitted valid identity theft documentation. 

Violations & Harm : Reporting Inaccurate Information in violation of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ). 
Willful Failure to Correct Known Errors after being notified. 
Ongoing Credit Damage due to false balance and delinquency reporting, further lowering my score and harming my ability to obtain credit.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the accuracy and legality of an account being reported under the name Citibank , N.A . on my XXXX credit report.

Account Details : Company Name : Citibank , N.A . 

Account Name on Report : CITIBANK NA / CBNA Account Number ( partial ) : XXXX Balance Being Reported : {$1400.00} Status : Closed with Delinquencies/ Charged-off Delinquency Reporting : 90+ Days Late, with multiple late payments Credit Bureau : XXXX  XXXX Name : XXXX XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Citibank claims they can not locate any accounts under my name. However, the tradeline clearly appears on my XXXX  report. Their response is evasive, considering the credit bureau received data sufficient enough to post the tradeline. I have attached a copy of the report that includes the tradeline in question. 

If they are unable to locate the account with the exact details I am providing here, then the account should be immediately removed from all credit reports due to lack of validation and possible identity mismatch or reporting error. 

Cease & Desist Notice ( per 15 USC 1692c ( c ) ) : This letter also serves as a formal Cease & Desist request to Citibank , N.A . You are hereby instructed to cease all communication with me regarding this account. Under 15 U.S. Code 1692c ( c ), any communication beyond proper notice of legal action will be considered a violation of federal law. 

I am requesting one of the following : A complete investigation with full validation of this account, or Permanent deletion from my credit profile if validation is not 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 2025-08-05 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: GA

Complaint narrative:
Company Name : National Credit Adjusters ( XXXX ) Account Number : XXXX Original Creditor : XXXX XXXX Amount Reported : {$1800.00} Reported To : Experian, Equifax, TransUnion Complaint : I am filing this complaint due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX ( XXXX ). I mailed a certified debt validation letter on XX/XX/2025, and to date, XXXX has not mailed any response or provided proper validation of this alleged debt. 



Despite this, XXXX continues to report a balance of {$1800.00} to all three credit bureaus. However, when TransUnion verified the account, they only validated {$1000.00} and have since deleted the remaining entries tied to this account. This shows clear evidence of balance inconsistencies and inaccurate data being furnished. 



I am also attaching credit report screenshots as supporting evidence of : Inconsistent balances across credit bureaus ; Partial deletions by TransUnion ; Complete lack of validation from XXXX ; Ongoing collection activity and credit damage. 



Per the FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681s-2 ), I have the right to request full validation of any alleged debt before it is reported or collected on. XXXX has failed to comply and is now reporting false, inflated, and unverified information. 

Company Name : National Credit Adjusters ( XXXX ) Account Number : XXXX Original Creditor : XXXX XXXX Amount Reported : {$1800.00} Reported To : Experian, Equifax, TransUnion Complaint : I am filing this complaint due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX ( XXXX ). I mailed a certified debt validation letter on XX/XX/2025, and to date, XXXX has not mailed any response or provided proper validation of this alleged debt. 



Despite this, XXXX continues to report a balance of {$1800.00} to all three credit bureaus. However, when TransUnion verified the account, they only validated {$1000.00} and have since deleted the remaining entries tied to this account. This shows clear evidence of balance inconsistencies and inaccurate data being furnished. 



I am also attaching credit report screenshots as supporting evidence of : Inconsistent balances across credit bureaus ; Partial deletions by TransUnion ; Complete lack of validation from XXXX ; Ongoing collection activity and credit damage. 



Per the FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681s-2 ), I have the right to request full validation of any alleged debt before it is reported or collected on. XXXX has failed to comply and is now reporting false, inflated, and unverified 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 2025-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX number # XXXX amount XXXX I got a letter that I own this and I dont understand why I owed this from were I dont understand

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 2025-08-05 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 
Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 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 2025-08-05 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: GA

Complaint narrative:
I was in a debt consolidation program, XXXX XXXX XXXX XXXX My XXXX  credit cards-we settled for the amount of {$790.00} amongst 3 payments for XX/XX/XXXX, XXXX {$25.00}, XX/XX/year> for XXXX & XX/XX/year> for XXXX. I made all of the payments for the agreement. XXXX  credit card still reported late payments to the credit bureau as if I did not make any payments for the months of XXXX, XXXX, or XXXX. That has taking a great big hit on my credit and now it seems as if Ive been late for 90-119 days late which is inaccurate. I tried disputing with XXXX, Experian & XXXX  because the information is inaccurate-it still remains on my credit report as being accurate per XXXX. I did a reinvestigation & sent in the documents showing I made payments & they still have it listed as being 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with non-monetary relief