vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-08 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: NV

Complaint narrative:
I am submitting to formally dispute inaccurate and misleading late payments that is currently being reported on my credit file. Upon reviewing my report, I noticed certain accounts that are being reflected inaccurately, and I am requesting a thorough reinvestigation pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute and correct any erroneous information in their credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late XXXX  days XX/XX/year> tied up XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} tied up Under FCRA 623 ( a ) ( 2 ), furnishers of information have a duty to correct and update any information they discover to be inaccurate or incomplete. Additionally, FCRA 623 ( b ) outlines that upon receiving a notice of dispute from a credit bureau, the furnisher must conduct a thorough investigation, review all relevant information, and correct any information found to be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: NV

Complaint narrative:
I am submitting to formally dispute inaccurate and misleading late payments that is currently being reported on my credit file. Upon reviewing my report, I noticed certain accounts that are being reflected inaccurately, and I am requesting a thorough reinvestigation pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute and correct any erroneous information in their credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late XXXX  days XX/XX/year> tied up XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} tied up Under FCRA 623 ( a ) ( 2 ), furnishers of information have a duty to correct and update any information they discover to be inaccurate or incomplete. Additionally, FCRA 623 ( b ) outlines that upon receiving a notice of dispute from a credit bureau, the furnisher must conduct a thorough investigation, review all relevant information, and correct any information found to be erroneous.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

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 2025-11-08 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: NJ

Complaint narrative:
This account was previously deleted as fraudulent after an identity theft report was filed with the FTC. Experian has unlawfully reinserted the same account without providing written notice or valid verification from the furnisher as required under Section 611 ( a ) ( 5 ) ( B ) and Section 605B of the Fair Credit Reporting Act. This is a clear violation of federal law and my consumer rights. I am requesting the CFPB to review this matter and require Experian to remove the reinserted account permanently and provide confirmationinwriting.

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute/validation request via certified mail ( USPS tracking attached ). I have not received complete validation ( contract, itemized accounting, DOFD/charge-off, chain of title, servicing/POA ) or the furnisher verification used to verify with the XXXX XXXX XXXX  + documents ). Please require XXXX to provide full validation, cease collection and credit reporting until validation is complete, and correct or delete any information that is inaccurate, incomplete, or unverified with all CRAs. If the account was transferred/pooled/securitized, provide bills of sale with schedules identifying my account and custodial/transfer records proving current ownership and authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor collection accounts written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries and accounts from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor collection accounts written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries and accounts from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Top Line Collectors LLC
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute/validation request via certified mail ( XXXX proof attached ). I have not received complete validation ( contract, itemized accounting, XXXX/charge-off, chain of title, servicing/XXXX  ) or the furnisher verification used to verify with the credit bureaus ( XXXXOSCAR + documents ). Please require XXXX XXXX XXXX to provide full validation, cease collection and credit reporting until validation is complete, and correct or delete any information that is inaccurate, incomplete, or unverified with all CRAs. If the account was transferred/pooled/securitized, provide bills of sale with schedules identifying my account and custodial/transfer records proving current ownership and authority. I request written communications only while this is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft. There have been many accounts opened up in my up in my name that are unauthorized and fraudulent. my personal information was breached and sold on the dark web without my consent. I have many accounts opened in my name and did not consent to these accounts being opened. XXXX is stating I owe XXXX. This amount inaccurate and not valid due to identity theft. I need this amount removed from my credit and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint to you as a concerned consumer regarding inaccuracies that have recently appeared on my credit report. I have always taken pride in maintaining the integrity of my credit history, so discovering these discrepancies was both surprising and distressing. 
While carefully reviewing my report, I noticed that a collection account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a balance owed of {$0.00}. This account should no longer appear as an active collection, as the balance clearly indicates that there is no remaining debt owed.

The continued reporting of a paid or resolved collection may misrepresent my creditworthiness, which directly violates the principles established under the Fair Credit Reporting Act ( FCRA ) specifically 602 ( A ), which recognizes the need for consumer reporting agencies to assure maximum possible accuracy in the information they maintain. 
Additionally, I have recently observed a new hard inquiries from XXXX dated XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX which I do not recall authorizing. I am requesting that verify the permissible purpose of this inquiry in compliance with FCRA 604 ( 15 U.S.C. 1681b ). If no permissible purpose can be verified, this inquiry must be promptly removed from my report. Unauthorized inquiries can unfairly lower my credit score and create an inaccurate portrayal of my financial activity.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally disputing both the inaccurate reporting of the XXXX collection and the questionable inquiry from XXXX. I expect a reinvestigation to be conducted within the legally required XXXX period, and for all findings to be reported to me in writing once completed. 
Moreover, as mandated by FCRA 623 ( a ) ( 2 ), any data furnisher that has supplied inaccurate or outdated information must promptly update or correct the record to ensure full compliance. Please contact the furnisher of the disputed accounts and confirm the accuracy of the data before continuing to report it.

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 2025-11-08 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: NY

Complaint narrative:
Details : I am submitting this complaint because XXXX XXXX XXXX is reporting an account that does not belong to me, originating from XXXX XXXX XXXX  XXXX. I have already disputed this account with all three major credit bureaus ( Experian, Equifax, and TransUnion ), and they have failed to delete it despite my providing proof of identity theft. 

The account number reported is XXXX, showing an alleged balance of {$780.00} and an opened date of XX/XX/XXXX ( or XX/XX/XXXX on Experian ). These dates are inconsistent and inaccurate, further indicating reporting errors. 

I have never had any account with XXXX XXXX XXXX  or XXXX XXXX. The account is a result of identity theft. I provided valid identification ( my drivers license and Social Security card ) proving that I am not the individual responsible for this debt. 

This account is causing significant damage to my credit score and reputation. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block identity theft-related information from my credit file within 4 business days after receiving proof of identity theft and a written request. They have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: TX

Complaint narrative:
After carefully reviewing my credit file, I have identified an account that contains inaccurate late payment information that does not reflect the true and verified history of my payments. I am submitting this request in good faith for a detailed reinvestigation and correction of the reported data to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reports a balance of {$58.00} Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer information must be reported with the utmost accuracy. FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires that any disputed or inaccurate information be reinvestigated and corrected if found to be unverifiable or incomplete. Furthermore, FCRA 623 ( a ) ( 2 ) mandates that furnishers promptly correct and update any information they determine to be inaccurate or misleading to ensure that consumers records are reported fairly and truthfully.

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