vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

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 2025-07-07 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove and block these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received {$2000.00} from a " friend '' who said he needed help receiving money from his job because he was not able to receive money at that time. I declined to assist because that was too much money that I did not feel comfortable with receiving. The following day on XX/XX/XXXX, I received a Zelle transaction for {$2000.00} even after I had told this person I did not want to assist them with this issue. The Zelle transaction came from an account with the name " XXXX XXXX XXXX ''. The person who called me to verify the transaction called from a number I did not have saved but caller ID identified the number as " XXXX XXXX ''. The caller said their name was " XXXX '' which did not match the caller ID NOR the Zelle transaction. This XXXX individual proceeds to call me from a different phone number with a different caller ID saying she sent the money by accident and requested that I send the money to the new phone number she was calling from. All these actions made me concerned that this was someone attempting to defraud me. I then proceeded to call my bank ( XXXX XXXX  ), to inform them that I believed someone was attempting to commit fraud with my information and requested that they do a " Zelle Credit Reversal '' on the {$2000.00} sent to me from the XXXX XXXX XXXX. I had also explained to my bank the situation because I had hoped to not have my account flagged. I notified the individual calling herself XXXX that I had notified my bank about the Zelle transaction and that the funds would be returned in a few business days to the account it was sent from. XXXX began to threaten me with having my account suspended if I did not cancel the Zelle Credit Reversal and send her the money to the phone number. I explained to her my bank would be handling that issue because I did not feel comfortable with sending money to a number I did not know. On XX/XX/XXXX, I received an email from my bank stating that my phone number and email have been deactivated. No explanation was given in the email as to why this happened. I attempted to get a reason from a local branch and through the customer support number and was was only told that a ticket would be submitted on my behalf. After many attempts, I was told that someone had made a complaint against me which lead to my services being permanently restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and noticed some unauthorized charges and accounts on my credit file. I did not authorized nor did I give any agency permission to furnish any such items on my credit file. This is a violation of my privacy per the FCRA and a violation of my rights as a consumer which constitutes identity theft and I am requesting that these unauthorized charges and accounts be removed from my credit file immediately. Also enclosed is an affidavit that is being sent to the CFPB along with this letter. Please update my credit report to reflect that these fraudulent charges and accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I recently reviewed my consumer report and noticed some unauthorized charges and accounts on my credit file. I did not authorized nor did I give any agency permission to furnish any such items on my credit file. This is a violation of my privacy per the FCRA and a violation of my rights as a consumer which constitutes identity theft and I am requesting that these unauthorized charges and accounts be removed from my credit file immediately. Also enclosed is an affidavit that is being sent to the CFPB along with this letter. Please update my credit report to reflect that these fraudulent charges and accounts have been removed.

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX Dear, CFBP I am writing to formally dispute the following information that appears on my credit report. I do not recognize this account and believe it is incorrect. 

Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$680.00} Date Opened : XXXX XXXX XXXX Account Type : Collection Account I request that you conduct an investigation into this account and provide me with the results. Additionally, please provide me with a copy of any documentation you received from the creditor that verifies this debt as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am filing this complaint regarding a paid charge-off ( or collection account ) that is still being reported negatively by Equifax on my credit report. 

I formally disputed the accuracy of this account with the credit bureau, asserting that it had been paid in full and should no longer be reporting as derogatory. In response, the credit bureau stated the account had been verified with the data furnisher. However, they failed to provide any physical or written documentation to support this claim, as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a reasonable reinvestigation of any disputed item.

15 U.S.C. 1681i ( a ) ( 7 ) entitles me to request the method of verification used in the reinvestigation, including what information or documentation was obtained from the original creditor or furnisher. I made such a request, and the bureau did not respond with any supporting evidence.

15 U.S.C. 1681s-2 ( b ) requires the furnisher to properly investigate disputed data and update or delete information that is inaccurate or unverifiable. 

Continued reporting of a paid charge-off as derogatorywithout a balance, and with no evidence providedmisrepresents the status of this account and violates the principle of maximum possible accuracy under FCRA 602 ( A ). 

As a result, I have been : Denied credit Subject to higher interest rates And emotionally impacted in a way that affects my mental, emotional, and physical well-being. 

The burden of correcting these inaccuracies, especially when the bureaus and furnishers refuse to follow the law, has created ongoing and significant hardship. I am requesting the CFPBs assistance to ensure these entities comply with their legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00}

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im disputing four unauthorized hard inquiries from XXXX XXXX that appear on my TransUnion credit report, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never applied for credit with XXXX XXXX, nor did I authorize them to access my credit file. These inquiries were made without my knowledge or consent, which is a violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act. Under XXXX XXXX XXXX v. TransUnion, credit bureaus can be held legally responsible for reporting inquiries without verifying a permissible purpose. Im requesting that these unauthorized inquiries be permanently removed from my credit report and that I receive written confirmation once theyve been deleted.

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 2025-07-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am filing a formal complaint and request for assistance with the Consumer Financial Protection Bureau concerning multiple inaccurate, unverifiable, and unauthorized items appearing on my TransUnion, Experian, and Equifax credit reports dated XXXX XXXX XXXX Despite my efforts to resolve these directly with the credit reporting agencies, they have failed to provide verification or remove disputed entries, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Im asking that all companies provide proof of accounts or these accounts be deleted immediately per consumer law 15 USC 1681b, 15 USC 1681s-2 and 15 USC 1692g . Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am filing a formal complaint and request for assistance with the Consumer Financial Protection Bureau concerning multiple inaccurate, unverifiable, and unauthorized items appearing on my TransUnion, Experian, and Equifax credit reports dated XXXX XXXX XXXX Despite my efforts to resolve these directly with the credit reporting agencies, they have failed to provide verification or remove disputed entries, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Im asking that all companies provide proof of accounts or these accounts be deleted immediately per consumer law 15 USC 1681b, 15 USC 1681s-2 and 15 USC 1692g . Please assist

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 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and their debt collection agency, Columbia Debt Recovery LLC dba Genesis, for inaccurate and unfair charges placed on my account. 

Upon the conclusion of my lease, I vacated the apartment and turned in my keys on the last day of my lease agreement, as outlined in my signed contract XX/XX/year>. Despite properly fulfilling my lease obligations, I was charged for : One additional day of rent beyond my lease term, which I did not occupy the unit. 
A month-to-month fee that should not apply, as I vacated the unit on time and did not transition to a month-to-month arrangement. 
An erroneous water charge-back that appears to be incorrectly calculated or applied after my lease ended. 
These charges are unjustified and do not reflect my contractual responsibilities. I have attempted to resolve this matter with both the apartment management and the collection agency, but the incorrect balance remains on my account. 

I am requesting that the CFPB investigate this matter and assist in having these inaccurate charges removed. This balance is affecting my financial standing and should be corrected immediately. 

Attached are any supporting documents, including my lease agreement and correspondence regarding the issue ( if applicable ). 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation