vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$3300.00} XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$2300.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist & Demand for Correction of Inaccurate Credit Reporting Account Number : ___________________ To Whom It May Concern : I am formally notifying you that you are reporting inaccurate information about me to the credit reporting agencies. This notice is being sent under the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer reporting laws.

The information you are reporting is * * inaccurate, incomplete, or unverifiable * *. You are required under FCRA 623 to ensure that all information you furnish is accurate and to promptly correct or delete any item that can not be verified.

* * I demand the following : * * 1. * * Immediately cease and desist * * from reporting the inaccurate information to any credit bureau ( XXXX XXXX XXXX  ). 
2. * * Conduct a reasonable investigation * * into the disputed account.

3. * * Provide written verification * * of the information you believe is accurate.

4. If you can not verify the information, you must * * delete or correct it * * with all credit reporting agencies.

You have * * 30 days * * to respond with the results of your investigation.

If this matter is not resolved, I am prepared to file complaints with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My state Attorney General - Additional legal remedies as necessary Please confirm in writing that your company has ceased reporting the inaccurate information and provide documentation of any correction or deletion made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
In XXXX of 2025 I escaped a XXXX XXXX  relationship. My ex opened numerous accounts in my name that I only became aware of after I tried to get my own apartment in XXXX however everything on the FTC report is because I got this information from the credit reporting agencys. I was advised of my responsibilities and followed them. I called each account listed on my credit repor. XXXX and Equifax blatantly about XXXX XXXX XXXX  not being on my credit. My XXXX is currently XXXX  for coming and finding me again and he XXXX XXXX with a towel rack and left XXXX XXXX in my ankle. He is going to get out and if Im not moved because this companies continue to leave fraudulent activity on my credit and I cant rent. XXXX XXXX  was on the first disputed information. Its on the FTC report and I pulled the original Credit report which is what made me aware to begin with. XXXX and Equifax blatantly lie and add what they want to stop people from moves etc etc and they believe that people will give up and I will never ever do that. Im reporting them not and then going to the police to report all the accounts that where listed on the initial report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate late payment that appears on my credit report. Upon careful review, I identified multiple accounts with discrepancies regarding late payments, account status, and balances. These accounts were paid as agreed, yet the reporting on my credit report does not accurately reflect this fact. I am requesting that to conduct a thorough investigation and ensure that my credit report accurately reflects my credit history, including proper reporting that these accounts were paid as agreed, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in TU/tied up XXXX open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX XXXX  / LEAD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX Under the FCRA, consumers have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Sections XXXX ( a ) and XXXX require credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information. Section XXXX provides the right to dispute information directly with the credit bureau, obligating the XXXX to investigate the dispute with the relevant creditor, complete the reinvestigation within a reasonable period, and correct any inaccuracies. Section XXXX ( a ) provides the right to request verification of account data from the source. Together, these provisions require that all information reported is accurate, complete, verifiable, and reflects the true payment history of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate late payment that appears on my credit report. Upon careful review, I identified multiple accounts with discrepancies regarding late payments, account status, and balances. These accounts were paid as agreed, yet the reporting on my credit report does not accurately reflect this fact. I am requesting that to conduct a thorough investigation and ensure that my credit report accurately reflects my credit history, including proper reporting that these accounts were paid as agreed, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in TU/tied up XXXX open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX, late XXXX  days XX/XX/XXXX XXXX  / LEAD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX  days XX/XX/XXXX Under the FCRA, consumers have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Sections XXXX ( a ) and XXXX require credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information. Section XXXX provides the right to dispute information directly with the credit bureau, obligating the XXXX to investigate the dispute with the relevant creditor, complete the reinvestigation within a reasonable period, and correct any inaccuracies. Section XXXX ( a ) provides the right to request verification of account data from the source. Together, these provisions require that all information reported is accurate, complete, verifiable, and reflects the true payment history of the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to LexisNexis challenging the Bankruptcy Record reported in Section 5 of my consumer file. The record includes contradictory and improperly structured data, including listing my attorney on one line while simultaneously stating Petitioner Represented By Attorney : No directly below it. The record also embeds my former bankruptcy attorneys email address into the contact section of my file, which results in my consumer identity being linked to an email address that does not belong to me. I requested that LexisNexis reinvestigate this item and permanently delete it if it could not be verified accurately and maintained correctly under the FCRA. LexisNexis received my dispute by certified mail on XX/XX/year>. 

On XX/XX/year>, I received several envelopes labeled as reinvestigation results. None of these mailings provided an itemized reinvestigation outcome for the disputed bankruptcy record, nor did they include the required updated consumer file. LexisNexis did not confirm whether the disputed public record was verified, corrected, or deleted, and they did not provide the required description of the procedure used. Because no FCRA-compliant reinvestigation response was provided, I have no way to determine whether LexisNexis has corrected the contradictory data or removed the improperly linked information.

As of today, LexisNexis has not provided the legally required reinvestigation results or corrected consumer file for Section 5, and is not maintaining accurate public record data in my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly investigate my dispute regarding inaccurate and potentially compromised information on my credit file following a recent data breach. 
I submitted a complete dispute package directly to TransUnion myself, including : A formal written dispute letter A stall-letter response My credit report ID A copy of my Social Security card A copy of my utility bill for identity verification All documents sent via XXXX XXXX  , which cost me {$33.00}, and were delivered successfully Despite providing all required documentation and submitting everything personally, TransUnion is improperly and inaccurately claiming that my dispute appears to be from a third party, and is refusing to conduct a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

This statement is absolutely false. I personally mailed and signed all documents. There is no third party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank denied our unauthorized credit-card transaction dispute with the explanation that the card was on you. 

This is not a valid basis for denial under Regulation E. Citi has not provided any documentation showing that the disputed transactions were authorized, such as PIN logs, merchant documentation, device/IP matching, or a signature match. 

Citi also refused to issue provisional credit within XXXX business days as required by XXXX XXXX XXXX while the investigation continues. 

We are requesting that : Citi provide the documentation used to determine authorization, and Citi issue provisional credit or a full reversal as required by federal 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 monetary relief