vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I discovered fraudulent 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 explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within XXXX ( XXXX ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My account is in collections with TSI- transworld systems. I was not made aware of the debt going to collections because no calls were made, no letters sent, and no emails sent. I saw the item in collections on my credit report and attempted to call the company around XX/XX/year>. I asked them for information in writing via email or mail to verify the debt and nothing was ever sent. In XX/XX/year> I sent them a letter and never received a response. They told me they could only accept payment over the phone when I called them and I told them I would need to see verification of the debt in person first and no information was sent. XX/XX/year> I attempted to dispute the debt through multiple credit agencies as well as emailed TSI to get information regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: GA

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable information appearing on my credit report with the consumer reporting agency. These disputes were submitted in good faith and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have sent multiple written disputes identifying specific inaccuracies, including unauthorized credit inquiries, inaccurately reported late payments, charge-offs, and incorrect personal identifying information. Despite these disputes, the credit reporting agency has either failed to respond, failed to provide the required verification, or continued reporting the disputed information without correction.

In several instances, more than 3090 days have passed since my disputes were submitted, yet the disputed items remain on my credit report. I have not received copies of the documentation used to verify the disputed information, nor have I been provided a description of the procedures used to conduct a reasonable reinvestigation, as required under 15 U.S.C. 1681i.

The continued reporting of these items appears to rely on automated or summary responses rather than original source documentation from the furnishers. This raises concerns that the credit reporting agency is not maintaining maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Additionally, certain credit inquiries remain on my report without proof of permissible purpose or consumer authorization, in violation of 15 U.S.C. 1681b. Incorrect personal information also remains on my file, increasing the risk of misattribution and further reporting errors.

I have made multiple attempts to resolve these issues directly with the credit reporting agency, but the lack of meaningful response or correction has left me no choice but to escalate this matter to the CFPB.

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 2025-12-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing this because I have formally disputed inaccurate information that appears on my credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires consumer reporting agencies to ensure maximum possible accuracy of the information reported and it has not been done. 

After carefully reviewing my credit report, I have identified the following account ( s ) that are being reported inaccurately, incompletely, or without proper verification : -- - # # # Disputed Account ( s ) : 1. Creditor : XXXX XXXX XXXX XXXX, XXXX. 
Amount : {$250.00} Issue : Account is being reported as a charge-off / derogatory account. I dispute the accuracy and completeness of this reporting and request full verification or removal. 
2. Creditor : XXXX XXXX XXXX Amount : {$410.00} 3.Creditor : XXXX Amount : {$720.00} 4.Creditor : XXXX XXXX Amount : {$200.00} 5.Creditor : LVNV FUNDING LLC Amount : {$580.00} 6.Creditor : LVNV FUNDING LLC Amount : {$220.00} 7.Creditor : i would also like these hard inquries removed! 
Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian Issue : One or more collection accounts are reporting inaccurate or unverifiable information. The reporting lacks sufficient detail to establish accuracy and proper ownership. I dispute all collection accounts currently appearing on my credit report and request verification or deletion. 

Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and 1681i, you are required to conduct a reasonable investigation into these disputed items and remove or correct any information that can not be fully verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
the bankruptcy court did not furnish, transmit, or report this information to Equifax. Despite this, Equifax is reporting bankruptcy on my credit file without identifying a lawful source or providing proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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 fraudulent 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 explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
RE complaints cfpb XXXX XXXX XXXX XXXX XXXX XXXX Print complaint Closed Company identify the account as fraud yet they still continue to report the infromation on my credit report instead of removing it/deletion it.

Can you please tell me how is this not a violation of FCRA laws?

If they determined that its fraud it should be removed from my credit file per the closed CFPB report numbers listed above

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 2025-12-28 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: PA

Complaint narrative:
RE complaints cfpb XXXX XXXX XXXX XXXX XXXX XXXX Print complaint Closed Company identify the account as fraud yet they still continue to report the infromation on my credit report instead of removing it/deletion it.

Can you please tell me how is this not a violation of FCRA laws?

If they determined that its fraud it should be removed from my credit file per the closed CFPB report numbers listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this rebuttal in response to Equifaxs CFPB Complaint No. XXXX regarding Equifaxs reporting of an unverifiable bankruptcy public record. 

Equifaxs response does not resolve my concerns and confirms a failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Equifax states that the bankruptcy was verified and belongs to me, yet provides no evidence identifying a valid furnisher or source that verified this information. Equifaxs explanation describes a * * generalized investigation process * *, not the specific verification performed in my case. 

Critically, XXXX  claims verification was obtained from a public record source or through a business vendor. However, I contacted the * * United States Bankruptcy XXXX, XXXX XXXX XXXX XXXX  * *, and received written confirmation that * * the court and Clerks Office do not provide information or verification to credit reporting agencies * *. Therefore, Equifax could not have obtained lawful verification from the court as claimed. 

Verification through a third-party vendor does not satisfy the FCRAs requirement for a reasonable investigation when the original source denies furnishing or verifying the information. Public record information that can not be verified directly with the originating source is * * unverifiable and must be deleted * *. 

Additionally, Equifax failed to demonstrate compliance with * * 15 U.S.C. 1681k * *, as I was never notified of the reporting of adverse public record information nor informed of its potential impact at the time it was added to my credit file.

Equifaxs assertion that the item belongs to me is not a determination of accuracy or completeness and does not cure the failure to verify the information as required by law.

Because Equifax has failed to identify a valid furnisher, failed to conduct a reasonable investigation, and continues to report unverifiable public record information despite contradictory evidence, I am requesting that this bankruptcy be * * immediately deleted from my credit report * *, along with any accounts or data associated with it.

I request written confirmation of deletion and corrective action to address Equifaxs improper certification of unverifiable information as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am submitting this complaint regarding TransUnion reporting of inaccurate, misleading, and unverifiable information on my consumer report. 

Multiple accounts listed on my TransUnion credit report contain incorrect balances, incorrect account status, improper reporting of delinquency, and continued reporting of negative information that has not been properly verified. Certain accounts appear to be re-aged, inaccurately marked as delinquent, or remain on my report despite prior disputes. 

I previously submitted disputes to TransUnion requesting a lawful reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C 1681 ). In those disputes, I requested verification of the accuracy of the reported information, including the method of verification used, the identity of the furnished that allegedly verified the data, and documentation supporting the reported balances and status. 

TransUnion failed to provide the requested verification or supporting documentation. Instead, the disputed information continues to be reported without proof of accuracy or evidence of a reasonable investigation. This failure violates TransUnions duty to ensure maximum possible accuracy and to conduct meaningful reinvestigation when information is disputed. 

As a result of TransUnions failure to correct or delete inaccurate and unverifiable information, my credit profile has been harmed, limiting my ability to obtain fair access to credit and financial opportunities.

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 2025-12-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Received XXXX gift card for purchases for my baby. Made a few purchases and the card suddenly ended up being declined. Then the card was put on hold and AMEX claimed it was compromised. I only used it at reputable online stores. They said they'd have to mail me a new one. So, now I have to wait to access funds that are mine and I have no idea what happens if I need to send something back that I've already purchased before it got deactivated and need a refund from a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a distribution of payment from from XXXX XXXX XXXX. I have a insurance fraud of my policy cyber liability claim with restoration process. I want to verify my account was refunded from the distribution payment with my management. I have contacted them email and my account was showing a compromised log in distribution of my wallet phase with XXXX XXXX. The chat officer claimed this was a obtaining prop under false pretenses scam with my account. I have documented account compromise from my bank authorization.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them. They are violating my rights, and I'm entitled to {$1000.00} for every violation I've listed, either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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