vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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 XXXX XXXX  TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed these accounts numerous times through all credit bureaus and the debt collection agency itself I have asked for hard copies of all documentation to prove the validity of these accounts but have not recevied anything thus far. My disputes on these two accounts have far exceeded a year now. I have asked for method of verification from all credit bureaus also and have received nothing. Thes accounts are obviously inaccurate, incomplete and obsolete just by looking at them.I have asked that these frivilous accounts please be removed/deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: OR

Complaint narrative:
XXXX of XXXX  an account was opened with XXXX XXXX XXXX resulting in a charge of {$720.00}, that is now on my credit report with Experian for {$850.00}. I did not open this account. I can prove that I did not open this account because I've called XXXX XXXX XXXX and not only do they not have an account for me, they can not find this account that is on my credit report. I've called them 3 or 4 times over the last year trying to sort this out. No one can find anything. I've called the debt company XXXX XXXX 5 times, I've given them all my info and they also can not find my account. Both XXXX and XXXX XXXX have told me to call each other every time, as in XXXX told me I need to call XXXX XXXX and vice versa. 

I've disputed the charge through Experian 3 times now, XXXX of XXXX, XX/XX/XXXX, and just recently and I received my result letter yesterday, so XX/XX/XXXX. They keep telling me the charge is verified and accurate but fail to provide me with any information that allows me to personally verify the information. None of their account numbers correspond with anything weigh XXXX XXXX or XXXX. I've called Experian and the chatbot just says " I can not help you with this matter. Goodbye. '' And hangs up. There is absolutely no option to request information. 

Truly, I just want this sorted out because it's a huge blemish on my credit I've been working hard to improve. I did not open a XXXX account in XXXX. I have not even used a XXXX XXXX since the early XXXX and I'm not aware of any balance due. I have not received any correspondences from them. 

Please help. 
Thank you

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 2025-12-19 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 just want to Follow up this complaint because my credit reports across Equifax, Experian, and TransUnion contain multiple conflicting, outdated, and inconsistent entries that have created confusion and inaccuracies in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ). My Synovus Mortgage account ( 150034 ) displays entirely different balances, dates of last activity, and late-payment histories depending on the bureau TransUnion shows a balance of {$99000.00} with activity dated XX/XX/XXXX and XXXX, XXXX, XXXX, and XXXX late notations, while Experian lists a balance of {$98000.00} with an XX/XX/XXXX activity date, and Equifax does not reflect these updates at all. My XXXX  account ( XXXX ), which has a {$0.00} balance, shows differing dates of last activity XX/XX/XXXX in TransUnion, XX/XX/XXXX with a XX/XX/XXXX reporting date in Equifax, and XX/XX/XXXX in Experian creating inconsistent timelines. The XXXX account ( XXXX ), also showing a {$0.00} balance, reflects XXXX different activity dates : XX/XX/XXXX in TransUnion, XX/XX/XXXX in Equifax, and XX/XX/XXXX in Experian. My XXXX  account ( XXXX ) also contains mismatched late-payment histories and dates, with TransUnion reporting XXXX late status on XX/XX/XXXX, Equifax reporting XXXX different activity date on XX/XX/XXXX with a XXXX late mark, and Experian reporting both XXXX and XXXX late markers dated XX/XX/XXXX and XX/XX/XXXX. Finally, my XXXX XXXX XXXX XXXX account ( XXXX ) appears only on Experian with activity dated XX/XX/XXXX and reported XX/XX/XXXX, but is missing entirely from Equifax and TransUnion. These inconsistent entries across bureaus do not align with XXXX another and prevent an accurate representation of my credit history, which is especially concerning because furnishers have a duty to correct, update, and report accurate information consistently across all bureaus under federal law. I am requesting the CFPBs assistance in ensuring each bureau and furnisher conducts proper investigations, aligns reporting, and updates my files accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
I just want to Follow up this complaint because my credit reports across Equifax, Experian, and TransUnion contain multiple conflicting, outdated, and inconsistent entries that have created confusion and inaccuracies in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ). My Synovus Mortgage account ( 150034 ) displays entirely different balances, dates of last activity, and late-payment histories depending on the bureau TransUnion shows a balance of {$99000.00} with activity dated XX/XX/XXXX and XXXX, XXXX, XXXX, and XXXX late notations, while Experian lists a balance of {$98000.00} with an XX/XX/XXXX activity date, and Equifax does not reflect these updates at all. My XXXX  account ( XXXX ), which has a {$0.00} balance, shows differing dates of last activity XX/XX/XXXX in TransUnion, XX/XX/XXXX with a XX/XX/XXXX reporting date in Equifax, and XX/XX/XXXX in Experian creating inconsistent timelines. The XXXX account ( XXXX ), also showing a {$0.00} balance, reflects XXXX different activity dates : XX/XX/XXXX in TransUnion, XX/XX/XXXX in Equifax, and XX/XX/XXXX in Experian. My XXXX  account ( XXXX ) also contains mismatched late-payment histories and dates, with TransUnion reporting XXXX late status on XX/XX/XXXX, Equifax reporting XXXX different activity date on XX/XX/XXXX with a XXXX late mark, and Experian reporting both XXXX and XXXX late markers dated XX/XX/XXXX and XX/XX/XXXX. Finally, my XXXX XXXX XXXX XXXX account ( XXXX ) appears only on Experian with activity dated XX/XX/XXXX and reported XX/XX/XXXX, but is missing entirely from Equifax and TransUnion. These inconsistent entries across bureaus do not align with XXXX another and prevent an accurate representation of my credit history, which is especially concerning because furnishers have a duty to correct, update, and report accurate information consistently across all bureaus under federal law. I am requesting the CFPBs assistance in ensuring each bureau and furnisher conducts proper investigations, aligns reporting, and updates my files accordingly.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: LA

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 explanation
Consumer complaint received 2025-12-19 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: LA

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 2025-12-19 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: MN

Complaint narrative:
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 2025-12-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Re : Formal Dispute and Demand for Deletion of Inaccurate Credit Reporting LVNV Funding LLC To Whom It May Concern : I am writing to formally dispute the inaccurate, unverifiable, outdated, and incomplete information being reported on my XXXX credit report by LVNV Funding LLC ( account listed as LVNV FUNDING LLC in my report, account number XXXXXXXX XXXX XXXX XXXX ). This letter is filed under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I have previously disputed this account directly with XXXX  and requested validation from LVNV Funding LLC. Despite my disputes, LVNV Funding continues to report this account without providing documentation that verifies : The accuracy of the debt, Their legal authority to collect the debt, The completeness and correctness of the information being furnished. 

The continued reporting of this account is in violation of federal law and has caused significant harm to my credit profile, affecting my ability to obtain credit, secure housing, and access fair interest rates. 
XXXX_ Specific Violations and Legal Grounds for Deletion : 1. Violation of FCRA 1681s-2 ( b ) Duty to Correct Inaccurate Information LVNV Funding LLC has failed to conduct a reasonable investigation after receiving my dispute. The information remains unverified, incomplete, and inaccurately reported. 

2. Violation of FCRA 1681c ( a ) Reporting of Outdated Information The original creditor is listed as XXXX XXXX XXXX, but the account does not reflect the date of first delinquency, making it impossible to determine the permissible reporting period under FCRA 1681c. 

3. Violation of FDCPA 1692e ( 2 ) ( A ) False Representation of Debt LVNV Funding LLC is reporting a collection account without validating the debts legitimacy, amounts, or ownership, which constitutes a false and misleading representation. 

4. Violation of FDCPA 1692g Validation of Debts I previously requested validation of this debt, and LVNV Funding LLC failed to provide it. Continued reporting without validation is unlawful. 

5. Violation of FCRA 1681i Inaccurate or Unverifiable Information The reported information is unverifiable. LVNV Funding LLC has not provided documentation that they own the debt, that the amounts are accurate, or that they are legally permitted to report it. 
XXXX Account Information in Dispute : Collection Agency : LVNV Funding LLC Account Number : XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Current Status : >Collection< Balance Reported : {$1700.00} Date Reported : XX/XX/year> This account is inaccurate, unverified, and unlawfully reported. I demand its immediate and permanent deletion from all credit bureaus. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have repeatedly submitted disputes to Equifax regarding inaccurate personal information and fraudulent accounts on my credit file. In the past three months, I have mailed Equifax two detailed identity verification packets that included my Social Security card, government issued photo ID, a copy of my lease, and a utility bill to confirm my identity and current address. I have also submitted multiple disputes online. 

Equifax responds stating that my date of birth and addresses have been updated or removed, but the incorrect addresses remain on my report and even more addresses continue to be added that do not belong to me and my date of birth has not been updated. Equifax has also refused to remove a fraudulent XXXX account that is not mine, despite being notified that the account is inaccurate. 

Equifax is failing to conduct a proper investigation, update information, and is continuing to report false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-12-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
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 explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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