vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
I am disputing inaccurate and/or outdated information being reported by TransUnion. The following charged-off accounts and inquiries are either unverifiable, duplicative, or obsolete. 

Accounts in Dispute ( TransUnion ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Many of these accounts are over a decade old, exceed FCRA reporting limits, XXXX are duplicated across servicers. Please verify each account and provide supporting documentation, or remove them promptly. 

Inquiries in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me and should be deleted as unauthorized inquiries.

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 2025-10-30 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 have repeatedly disputed multiple inaccurate or unverified items on my Experian report ( listed in Schedule A and attached pages ), including a collection for XXXX XXXX reported by XXXX XXXX XXXX that is not mine. I asked the XXXX for validation and requested the Method of Verification from Experian multiple times. Experian did not provide adequate MOV and continued to report without a reasonable reinvestigation, violating 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681i ( a ) ( 5 ) ( B ). For collections, furnishers did not validate yet continue furnishing. I request the Bureaus assistance to require Experian to provide MOV or delete, and require the furnishers to either validate or delete and cease furnishing.

Requested resolution : Provide full MOV for each item or delete immediately.

Direct furnishers/collectors to validate or delete and update all bureaus. 
Provide a corrected report and written confirmation. 

police report number is XXXXXXXX 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 2025-10-30 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: IN

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 explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PATH XXXX, FL, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Subject : Request for Verification and Removal of Unauthorized Inquiries. 

To Whom It XXXX Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX, XXXX to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law.

Attached are my identification and proof of address.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.

I certify that I am the one conducting this dispute and NOT a third party. 
Sincerely, 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 2025-10-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1 ) XXXX XXXX XXXX XXXX  ACCT # : XXXX 2 ) XXXX XXXX XXXX ACCT # : XXXX I looked at my EXERIAN report and noticed many things that are incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX Incorrect Employer ( s ) : XXXX XXXX XXXX XXXX FABRICATION NOT PROVIDED XXXX XXXX And according to 15 USC 1681 ( 5 ) they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 respectfully request that these accounts and inquiries be fully investigated and corrected as needed under the FCRA. Please provide a written update once your investigation is complete.

Thank you for your prompt attention to this matter.

EXPERIAN I am writing as a consumer seeking assistance in fixing inaccuracies found on my Experian credit report. I believe the accounts listed below are being reported incorrectly or contain incomplete data. Please investigate these items in compliance with the FCRA and provide me with written confirmation of your findings.

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Acct XXXX XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$150.00} XXXX XXXX XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$660.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Date : XX/XX/XXXX Amount : {$6700.00} DEPT. OF EDUCATION/XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$6700.00} XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$390.00} Late Payment in Dispute : XXXX Acct # 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 2025-10-30 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  / XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. XXXX ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I contacted XXXX XXXX XXXX, XXXX via their recorded customer service line to cancel a scheduled payment on my account due to my account being on a freeze from a fraudulent deposit someone put in. Despite my clear and timely cancellation request, the company failed to properly process the cancellation and proceeded to initiate the payment. This unauthorized debit attempt resulted in non-sufficient funds ( NSF ) fees, a negative bank account balance, and significant financial stress along with problem with my bank as a whole.

I have retained documentation and/or records verifying : The recorded call confirming my cancellation request.

The date and time of the unauthorized transaction.

The bank statement showing resulting NSF and overdraft charges.

Requested Resolution : I am requesting that XXXX XXXX XXXX, XXXX : Settle the remaining debt in full as restitution for their failure to honor my timely cancellation request ; Reimburse all NSF and related bank fees resulting from this incident ; and Cease any negative credit reporting or collection activity associated with this account.

Applicable Laws and Regulations Potentially Violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, including but not limited to : 1692e Prohibition against false, deceptive, or misleading representations.

1692f Prohibition against unfair or unconscionable means to collect or attempt to collect a debt ( processing a payment after cancellation may qualify ).

1692d Prohibition against conduct causing harassment, oppression, or abuse.

Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e, regarding unauthorized electronic transfers and failure to obtain proper authorization for payments.

CFPB Regulation E ( 12 CFR 1005 ) governing electronic payments and revocation rights.

Impact : This improper debit and failure to act on a clear cancellation request have caused measurable financial hardship, emotional stress, and loss of trust. I no longer feel comfortable making payments to a company that can not properly ensure their employees follow federal guidelines and ensure they do as they are stating.

Resolution Sought : I request that the CFPB assist in ensuring : The remaining debt is settled in full with XXXX XXXX XXXX, XXXX ; All related fees are reimbursed ; Any negative reporting is removed ; and The firm is reviewed for compliance with FDCPA and EFTA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
Charged Off Accounts : XXXX XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please investigate and update the status of this account. 

XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Request a review and accurate reporting of this account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$3500.00} is incorrect. I request an investigation to verify this entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$1600.00}. Please verify and update the status to reflect the correct payment history. 

Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized and should be removed. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my authorization. Please remove it. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized. Request removal. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed, as it was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
I am writing to formally request the investigation and correction of the following accounts on my credit report. I believe that these items are inaccurately reported and require immediate attention in accordance with the Fair Credit Reporting Act ( FCRA ). Please review the following discrepancies with each respective credit bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$140.00} XXXX, XXXX, XX/XX/XXXX, {$28000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$17000.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief