vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I formally disputed this account with XXXX XXXX XXXX  XXXX but they have failed to mark the account as " disputed '' in ongoing reporting to the credit bureau XXXX 

This omission is a direct violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to include dispute notations when continuing to report disputed information.

FCRA 623 ( a ) ( 3 ) : If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Due to this violation and continued inaccurate reporting, I am requesting the immediate removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I formally disputed this account with SELF/SOUTH STATE BANK XXXX but they have failed to mark the account as " disputed '' in ongoing reporting to the credit bureau XXXX 
This omission is a direct violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to include dispute notations when continuing to report disputed information.

FCRA 623 ( a ) ( 3 ) : If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Due to this violation and continued inaccurate reporting, I am requesting the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that clearly fail to meet the requirement of maximum possible accuracy. These errors are significantly impacting me, both emotionally and financially, in ways that are deeply distressing and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
WHILE REVIEWING MY CREDIT FILE, I OBSERVED A FRAUDULENT ACCOUNT ON MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
WHILE REVIEWING MY CREDIT FILE, I OBSERVED A FRAUDULENT ACCOUNT ON MY FILE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
All three credit bureaus ( XXXX XXXX and XXXX XXXX are reporting multiple inaccurate items on my credit file that are seriously damaging my credit score and preventing me from obtaining fair credit terms. Despite having legitimate credit accounts and making payments on time, my score is being dragged down by information that doesn't belong to me. TransUnion shows incorrect name variations like " XXXX XXXX '' and " XXXX XXXX '' along with addresses where I've never lived in XXXX XXXX, XXXX, XXXX XXXX and New York. All three bureaus are reporting some authorized user accounts that I never requested to be added to and that are hurting my credit profile, including XXXX XXXX XXXX ( shows XXXX late payments ). Most concerning is a collection account from Credit Coll for XXXX XXXX XXXX XXXX that's completely fraudulent- I never had any business with this company and this appears to be identity theft. Additionally, all three bureaus show multiple unauthorized credit inquiries from companies I never applied with, including XXXX, XXXX, FACTUAL DATA, and others. I've disputed these items multiple times but the bureaus continue to report inaccurate information without proper investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX is XXXX XXXX : XXXX Until XX/XX/XXXX, I have been building my credit history using ITIN. My ITIN is XXXX After receiving my Social Security Number in XXXX, I sent letters to XXXX credit bureaus including Equifax XXXX Transunion XXXX and Experian, asking them to update and merge my credit history built with ITIN XXXX XXXX. When I sent the letters, I sent all the necessary documents such as ITIN Copy CP XXXX Copy Driver License Copy Permanent Resident Card Copy Utility proving current address and Transunion and Experian updated immediately and sent me my credit report with the new XXXX. 

But Equifax said that the identity verification was not possible and asked me to send it again. I sent it again via XXXX Mail, but I didn't hear from them. 
I called Equifax and they said they never received it. This time, I sent the supporting documents via XXXX Mail, but I didn't hear from them. So I called again XXXX months later and they said that the identity verification was still not possible... Since then, I called several times and sent XXXX more times via XXXX Mail, but it's been 10 months and it hasn't been updated. 

I called a total of 6 times and sent the identity verification via XXXX XXXX, but I haven't heard from them once since they contacted me. 

There is no problem at all with the other XXXX credit agencies... I also attached the credit reports from the other XXXX agencies every time I sent them, but I have not received any response. 

I am really frustrated. 

I received a credit report using ITIN before XXXX in XXXX. 

Please help me resolve this. 

Every time I log online, I only get the following message : Please give us a call We can't complete your request at this time. Please call the XXXX XXXX team and mention error code NH. 

XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
This company is saying that I owe {$240.00} the account is not mine, I never took it out. Now it is damaging my credit. I would have no problem paying it if it was mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of XXXX XXXXe. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXXXXXX & XXXX * * * * * )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that clearly fail to meet the requirement of maximum possible accuracy. These errors are significantly impacting me, both emotionally and financially, in ways that are deeply distressing and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There have been multiple unauthorized inquiries on my credit report, which have directly damaged both my credit and credit score. I previously contacted your agency regarding this issue and was assured by a representative that these inquiries would be removed. That promise remains unfulfilled these unauthorized entries are still present. 

This failure to take corrective action is unacceptable. The presence of these potentially fraudulent inquiries raises serious concerns about identity theft and continues to cause me emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NE

Complaint narrative:
I found XXXX fraudulent accounts on my credit reports, which I did not authorize, open, or have any association with. These accounts are the result of identity theft. 

The fraudulent accounts are as follows : XXXX XXXX XXXX Account # : XXXX * * * * Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX XXXX Account # : XXXX * * * * Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX Account # : XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX * * * * Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and have taken the necessary steps to resolve this : I filed an FTC Identity Theft Report ( # XXXX ) Submitted a Notarized Identity Theft Affidavit in accordance with 15 U.S.C. 1681g Provided a copy of my drivers license, Social Security card, and proof of current address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$400.00} XXXXXXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$39000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hereby state that my credit report includes a collection account that I do not recognize, nor have I ever authorized or contracted. This account is seriously damaging my financial history, limiting my access to credit products and services, and causing significant personal and commercial consequences. I therefore formally request that this account be REMOVED and BLOCKED from my credit report immediately, in accordance with consumer protection laws, as there is no verifiable evidence that this obligation belongs to me. 
The Collection is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, BALANCE {$210.00}. 
Account Type : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2025-07-24 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: CA

Complaint narrative:
someone opened up a personal loan under my name from XXXX Bank for the amount of XXXX on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I am writing with absolute certainty and deep frustration regarding the numerous errors on my credit report. These inaccuracies have caused ongoing harm to my credit score and overall quality of life, preventing me from achieving financial stability and freedom. I can no longer overlook this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I deny any association with the accounts listed and consider them fraudulent. Please take action to remove them and conduct a full investigation. Evidence is included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
I submitted a complaint XX/XX/XXXX about Prestige Financial submitting false information on purpose and this has been going on for the past 7 years. Today their credit XXXX emailed me stating the information was correct. I have proof. How can a charge off thats been closed since XXXX that has fraudulent information on it which is the amount supposedly owed change from one amount to a different amount after 7 years being charged off/closed to a higher amount. This company has been doing this to me and several other people on purpose.

Company response to consumer: Closed with explanation