vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent certified letters that were signed as received by all three credit reporting agencies, Equifax, Transunion, and Experian. These letters asked for investigation by a human, verification of debt by wet signature, verification of original creditor, and the complete breakdown of the history of these accounts; siting my rights as a consumer under the following laws : FCRA - Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) - 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must investigate disputed items within 30 days.- 1681i ( a ) ( 5 ) ( A ) : Unverifiable items must be promptly deleted.- 1681e ( b ) : Credit bureaus must report information with maximum possible accuracy.- 1681g ( a ) : Consumers have the right to receive all information on file, including the original creditor.11559858.1.3 FDCPA - Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) - 1692g ( a ) ( 4 ) : Consumers are entitled to a copy of the original signed agreement if requested.- 1692g ( b ) : Collection must cease until proper verification is provided.- 1692e ( 8 ) : It is unlawful to report disputed debts without noting the dispute. Legal Precedents- Spears v. Brennan , 745 N.E.2d 862 - A billing statement alone is insufficient validation.- Clark v. Capital Credit , 460 F.3d 1162 - Verification must allow the consumer to assess the legitimacy of the debt. 

I have also called each agency on XX/XX/XXXX requesting they honor my request and the law, and immediately remove the items they have failed to validate in a timely manner. To date nothing has changed on my credit report. 

Below are the accounts that are reporting negatively on my credit report that have not been verified and, under the FCRA laws, should have already been removed : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX Charge off- {$820.00}. 
XXXX XXXX XXXX XXXXoriginal creditor not avaliable - {$290.00} XXXX. XXXX XXXX original creditor not available- {$660.00} XXXX XXXX XXXX XXXXoriginal creditor not available- {$68.00} XXXX. XXXX XXXX opened XXXX {$3900.00} The following are hard inquiries that were not initiated by myself and need to be removed : 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

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 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} 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 : {$24.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to formally express my concern regarding the infringement of my consumer rights due to the dissemination of inaccurate information. As a consumer, I have the right to fair and accurate treatment. I am requesting a clear explanation of your failure to meet accuracy and compliance obligations. 

I do not accept the continued reporting of any negative, unverifiable, or non-compliant data. What matters is the truth backed by verifiable, documented evidence. The lack of accuracy in my credit report is unacceptable, especially considering your legal obligation to follow the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

I challenge you to provide certified, complete, and verifiable documentation to support every account, inquiry, and data field listed. If you can not meet the standards outlined in the XXXX  XXXX XXXX XXXX XXXX ( XXXX ), you must DELETE the disputed data immediately to preserve data integrity. 

The following Personal Information is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Accounts are being challenged : XXXX XXXX XXXX  XXXX XXXX  XXXX The following Collections are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are being challenged : 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 Unless you can provide documented proof that these inquiries and items were lawfully authorized and comply with all state and federal regulations, I demand they be permanently DELETED. 

My personal tracking number is included in the header of this document. Please respond promptly with physical documentation verifying your claims. If you are unable to validate these items, you are required to DELETE them to remain in compliance with consumer protection laws. 

Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
Come with the receipts, or be quick to delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this follow-up complaint regarding a Discover account ) that has continued to reflect inconsistent and potentially inaccurate reporting across credit bureaus. The account is a charged-off account that has long been closed, but Discover recently added a remark, then removed it, and then updated it again causing major score fluctuations with XXXX  ( XXXX XXXX, down XXXX, up XXXX within 3 days ). 

These changes appear manipulative or retaliatory following a dispute. I am requesting that Discover either : Fully delete this account from my credit reports due to inconsistencies and inaccurate reporting, I have already attempted to resolve this with the credit bureaus and Discover. I am now requesting CFPB assistance to ensure fair and legal reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This collections company, Midland CreditXXXX Says we owe Money for a credit card from well over XXXX  years ago at least. Years and Years ago they Seized a Checking account and took the money without our knowledge. Well after the statute of limitations. at that time they had said the money they took settled all debt, many, many years went by and we didn't hear anything. now they are mailing notices again saying they will continue to pursue legal action until the fulfillment terms are met. we do not owe this money as it is so old and it was supposedly settled a long time ago, plus we have no recollection of this debt Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I requested information asking them to prove that it was me due to being a XXXX of identity theft I sent that to them in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX Funding, XXXX is XXXX XXXX Place, XXXX XXXX, XXXX, SC XXXX Account Numbers : XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding this validity of this debt. 
Thank you for your prompt attention to this matter. 

With Regards I am, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute the following information on my credit report, which I believe to be inaccurate and/or unverifiable. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am exercising my right to request a reinvestigation of this account.

This information is negatively affecting my credit and may be inaccurate, outdated, or unverifiable. Please conduct a reinvestigation as required under federal law and remove this item if it can not be verified within the legal timeframe of 30 days.

Please provide the results of your reinvestigation in writing, along with a free updated copy of my credit report if any changes are made. If this item is verified, I request a description of the method used for verification and the name and contact information of the party that verified the data.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-16 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: MA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: DE

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} CHAPTER XXXX BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-16 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: DE

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I submitted a dispute regarding a student loan account reporting on my credit file and Transunion has not resolved my dispute. This account is currently under dispute and I am requesting that this account be removed from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not mine please remove this account from my credit file.

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 2025-06-16 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am bringing to your attention a concerning matter regarding my credit file that requires immediate investigation and resolution. I have observed the presence of a collection entry from your agency that has appeared without any prior notification or communication to me regarding this alleged debt. Furthermore, I hold serious doubts about the accuracy and legitimacy of the debt being claimed, as I have no record or recollection of owing this amount or having any business relationship that would justify this collection action. As per my rights under the Fair Debt Collection Practices Act, I am formally requesting that you provide complete validation of this debt, including all original documentation, proof of your authority to collect, and a detailed accounting of how the debt amount was calculated.

Company response to consumer: Closed with explanation