vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: NJ

Complaint narrative:
The account appeared on my credit report causing a substantial loss. The account is not mine. This is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/year> {$2800.00} no response from them about the above request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I recently came across the cfpb XXXX lawsuit. 

My credit is being negatively impactedall XXXX of credit reporting agencies Transunion, XXXX, and of courseXXXX, which is hurting my chances at getting approved for credit after receiving a response to my earlier disputes that have been submitted coming back that the accounts have been 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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is unlawfully reporting a supposed debt that may be old, past the statute of limitations, and difficult for me to even remember, on my credit report.

They have placed two separate accounts on my credit file. I have submitted multiple written requests for proper validation of these debts, but they have failed to provide any detailed documentation, account statements, contracts, or proof of ownership as required under the Fair Debt Collection Practices Act ( FDCPA ).

Despite their failure to validate, they continue to report these accounts, damaging my credit standing and violating my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Their continued reporting of time-barred debts, combined with their failure to respond to validation requests, constitutes willful noncompliance with federal consumer protection laws. 

I am requesting the Consumer Financial Protection Bureau to take immediate action to investigate this companys practices and to compel the removal of these accounts from my credit report. 

I am prepared to provide evidence of my written validation requests and their lack of response if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am submitting a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding unauthorized and misleading credit reporting. I signed a lease with XXXX XXXX XXXX, which did not establish a tradeline or authorize credit reporting. Upon alleged termination, my data was reported by XXXX XXXX as a collection accountwithout my consent or any prior disclosure. This violates FCRA 604, 607 ( b ), and 611. It also appears to violate the FDCPA by misrepresenting the nature and legal status of the debt. I request a full investigation, removal of the inaccurate item, and sanctions or fines against both parties as appropriate. Furthermore, credit bureaus were originally designed and intended to assist lenders in assessing the creditworthiness of consumers based on their history of managing actual credit accounts. The primary function of these bureaus is to report data related to revolving credit accounts, loans, and other credit-based instruments, not to track or enforce private civil agreements like apartment leases unless those leases explicitly involved a credit agreement. By allowing non-credit contractual disputes to appear on consumer reports, the credit bureaus are misrepresenting the purpose and function of the consumer credit reporting system, and misleading future lenders into believing that a civil rental dispute represents a failure to pay on a credit obligation. 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I have been getting emails over and over from creditkarma.com, this morning XX/XX/year> I used the link from the email signed in and it read 3 cards outstanding approval. I picked the card that best suit me. Went through the process and denied. False advertising and I get hit on my credit score. Creditkarma.com should not be misleading and sensing emails several times a weeks saying I have high approval rates which is all lies. Just to damaged people credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account Name : Resurgent / LVNV Funding Account Number : XXXX The account shows an opened date of XX/XX/XXXX, while simultaneously reported as a collection account as of XX/XX/XXXX. If this debt was purchased from an original creditor, the original date of first delinquency must be preserved under FCRA 623 ( a ) ( 5 ). Re-aging to a more recent date is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-04-27 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: GA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am submitting a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding unauthorized and misleading credit reporting. I signed a lease with XXXX XXXX XXXX, which did not establish a tradeline or authorize credit reporting. Upon alleged termination, my data was reported by XXXX XXXX as a collection accountwithout my consent or any prior disclosure. This violates FCRA 604, 607 ( b ), and 611. It also appears to violate the FDCPA by misrepresenting the nature and legal status of the debt. I request a full investigation, removal of the inaccurate item, and sanctions or fines against both parties as appropriate. Furthermore, credit bureaus were originally designed and intended to assist lenders in assessing the creditworthiness of consumers based on their history of managing actual credit accounts. The primary function of these bureaus is to report data related to revolving credit accounts, loans, and other credit-based instruments, not to track or enforce private civil agreements like apartment leases unless those leases explicitly involved a credit agreement. By allowing non-credit contractual disputes to appear on consumer reports, the credit bureaus are misrepresenting the purpose and function of the consumer credit reporting system, and misleading future lenders into believing that a civil rental dispute represents a failure to pay on a credit obligation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian and Transunion for reporting XXXX XXXX XXXX and its agent XXXX XXXX XXXX XXXX for their unlawful credit reporting and failure to cease communications as required by federal law. I have never owed any debt to XXXX XXXX XXXX. I have never given XXXX XXXX XXXX or XXXX XXXX XXXX XXXX written permission or authorization to report my personal information to any consumer credit reporting agency. I recently sent a formal Cease and Desist Letter to XXXX XXXX XXXX, expressly stating the following : I do not owe your company any money and I will not pay your company any money. You must immediately cease any and all collection activities, including but not limited to any credit reporting to any consumer reporting agency bearing my name. Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer sends a written notice to a debt collector refusing to pay and requesting no further communication, the debt collector must cease all communications, including indirect communications like credit reporting. However, despite this clear notice, XXXX XXXX XXXX continues to improperly report inaccurate and unauthorized information on my Equifax, Experian, and TransUnion credit files. This conduct is a direct violation of 15 U.S.C. 1692c ( c ) and a serious invasion of my privacy rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, hereby submit this formal written notice and declaration under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all applicable federal and state consumer protection laws. I am demanding immediate action to ensure that only current, complete, accurate, verifiable, and true information remains on my credit file. Any and all information that is incorrect, incomplete, unverifiable, outdated, misleading, or misreported must be promptly deleted. I DO NOT AUTHORIZE you to report or retain any information that does not fully meet the standards of truth, accuracy, timeliness, completeness, ownership, responsibility, and compliance with Metro 2 data formatting standards. You are obligated under federal law to ensure the maximum possible accuracy of my credit information. Failure to do so is a violation of the FCRA, the Credit Reporting Settlement Agreement ( CRSA ), and Metro 2 compliance obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: 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 2025-04-27 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: WV

Complaint narrative:
On XXXX I requested the chain of assignments and purchase agreement since this alleged debt aint mine that will not prove they own it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian Information Solutions , Inc. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX ( b ) and XXXX XXXX. XXXX. 

I have discovered inaccuracies and/or outdated negative items on my Experian credit report that have not been properly verified or corrected, despite my prior attempts to address these issues directly with Experian. These actions ( or lack thereof ) violate the following FCRA provisions : XXXX U.S.C. XXXX ( b ) Experian has failed to maintain reasonable procedures to assure maximum possible accuracy of the information in my consumer report. 

XXXX XXXX. XXXX Experian failed to properly reinvestigate and correct or delete inaccurate, incomplete, or unverifiable information within the legally required timeframe. 

These negative entries are materially damaging my credit standing and are being reported without proper verification, which is unacceptable under federal law. I have attached copies of my prior dispute letters to Experian, along with documentation supporting my claims. 

I respectfully request that the CFPB investigate this matter promptly. I am seeking full removal of all inaccurate, incomplete, or unverifiable items from my Experian credit report, as well as any other remedies the CFPB deems appropriate under the law. 

These are the inaccurate accounts : Company : XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX  XXXX Account info Account number XXXX XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Please feel free to contact me at XXXX or XXXX should you require any additional information. 



Thank you for your time and assistance in this matter. 

Sincerely, 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, hereby submit this formal written notice and declaration under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all applicable federal and state consumer protection laws. I am demanding immediate action to ensure that only current, complete, accurate, verifiable, and true information remains on my credit file. Any and all information that is incorrect, incomplete, unverifiable, outdated, misleading, or misreported must be promptly deleted. I DO NOT AUTHORIZE you to report or retain any information that does not fully meet the standards of truth, accuracy, timeliness, completeness, ownership, responsibility, and compliance with Metro 2 data formatting standards. You are obligated under federal law to ensure the maximum possible accuracy of my credit information. Failure to do so is a violation of the FCRA, the Credit Reporting Settlement Agreement ( CRSA ), and Metro 2 compliance obligations.

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