vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX Account Number : XXXX * * * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX SER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$660.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX * XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX * XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX  Account Number : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Account Name : XXXX  Account Number : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX Account XXXX : XXXX * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. This letter serves as my formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt, including an itemization of all fees, interest, and other charges. 

The name and address of the original creditor. 

Documentation bearing my signature, or other verifiable evidence, showing that I am legally obligated to pay the debt. 

A detailed payment history, including how the amount was calculated. 

Proof that your company is legally authorized to collect debts in my state. 

A copy of the original contract or agreement creating the debt. 

Until you provide the above documentation, please cease all collection activities, including reporting the alleged debt to any credit bureau. If the debt has already been reported, please inform all credit reporting agencies that the account is being disputed. 

This is a request for information only and is not an acknowledgment or acceptance of responsibility for the alleged debt. 

Please provide your response in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-18 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: TX

Complaint narrative:
XXXX XXXX Acct # XXXX and # XXXX is furnishing inaccurate charge-off information across multiple credit bureaus. The account does not reflect accurate payment history, DOFD, or charge-off coding. I have disputed this account several times and received verified responses, but no evidence was provided.

Violations : FCRA 607 ( b ) inaccuracy in reporting FCRA 611 ( a ) improper reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) continued furnishing of known inaccurate information FCRA 623 ( a ) ( 2 ) failure to update and correct errors TILA 15 USC 1641 assignee liability Errors : DOFD incorrect Charge-off field not reporting Status XXXX Payment Rating L missing Date of status inconsistent across bureaus Account aging does not match reporting dates

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 2025-11-18 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: NY

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 2025-11-18 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: CT

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 2025-11-18 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: CA

Complaint narrative:
This listing does not accurately depict my payment behavior. I ask that it be reviewed and adjusted accordingly.

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 2025-11-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am disputing several charged-off accounts that are inaccurately reported on my credit report. The following accounts are being contested for the reasons mentioned below : Department of Education/ XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$6900.00} Reason for Dispute : Account shows an inaccurate balance or does not match the reported payment history. 

Department of EducationXXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$2300.00} Reason for Dispute : Account shows an inaccurate balance or does not match the reported payment history. 

Late Payments : Preferred Credit Account NumbeXXXX : 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 2025-11-18 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:
My TransUnion credit report is showing multiple inaccurate items that I have already disputed, but nothing has been corrected. The address XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX is reporting even though I have never lived there. The XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$140.00} XXXX XXXX is showing a late payment that is false because I have never made a late payment on this account. There are collection accounts that I do not recognize, including XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX for {$3300.00} XXXX XXXX  and XXXX ( XXXX ) opened on XX/XX/XXXX for {$440.00XXXX XXXX XXXX which do not belong to me. My report is also showing a charge-off I have no knowledge of, which is the XXXX XXXXXXXX ( XXXX ) account opened on XX/XX/XXXXXXXX XXXX XXXX In addition, there are several unauthorized inquiries appearing on my report from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I did not authorize these inquiries. TransUnion did not properly investigate or correct any of these items after my first dispute, and I am requesting CFPB assistance to have all inaccurate information corrected or removed.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a authorize user to my card who had a recurring charge.I removed the authorize user back in XXXX XXXX. 

The transaction was on the XXXX of each month. I was billed the next month which was XXXX same charged same merchant ( Spectrum ) internet provider, they stated to reach out to my card company because my name was not on the account. The authorize user name was on the account which and removed back in XXXX. 

Discover Bank still allowed the transaction to proceed after I specifically told the to close the card of the previous authorize user. 

They did there investigations and still trying to hold be reasonable stating transaction are valid, after and call them and told them to close and restrict all transaction with the removed XXXX from XXXX XXXX And to add insult to injury for the month of XXXX there billing me again same transaction, same merchant I report back in XXXX the allow the transaction to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WI

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my Experian credit report, as I believe them to be inaccurate or incomplete. I request a detailed review and correction of the listed discrepancies. 

Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Balance : {$0.00} Discrepancy : The account should not reflect a charged-off status given that the balance is paid in full and the account should be marked as closed or paid. 

XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Balance : {$13000.00} Discrepancy : The account may contain outdated information regarding the balance. Please review the latest payment history for accuracy. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Balance : {$1300.00} Discrepancy : The charge-off may be incorrectly reported. Please verify the current status of the account and any previous payment arrangements made. 

XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Balance : {$1300.00} Discrepancy : There may be a misclassification of the account 's status. Please check the payment history and current status. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Discrepancy : Kindly verify the validity and accuracy of this inquiry on my report. 

XXXX XXXX  Date : XX/XX/XXXX Discrepancy : Please confirm the legitimacy of this inquiry and its impact on my credit score. 

Late Payments : XXXX  XXXX Account Number : XXXX Discrepancy : The reported late payments may not accurately reflect the timely nature of my payments. Kindly review the payment history. 

XXXX XXXXXXXX Account Number : XXXX Discrepancy : The reported late payments may not accurately reflect the timely nature of my payments. Kindly review the payment history.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report is not pulling up at with companies nor monitoring h systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize this account, I would like to get it removed from my XXXX credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
On XX/XX/XXXX, I sent LVNV a certified dispute and a request for validation under the FDCPA, 15 U.S.C. 1692g ( b ). I never received any prior correspondence from them, and they have continued reporting the account without providing the required verification. 
On XX/XX/XXXX, Resurgent sent a response on behalf of LVNV, but it did not include validation ; which is even more confusing because how are they collecting on behalf of another collection agency. On top of that, they did not provide proof that LVNV owns the debt, a breakdown of the balance, documentation showing how the amount was calculated, or any signed agreement Under the FDCPA, they must stop collection and reporting until proper validation is provided. They continue to report the account without validating it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: VA

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant  you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am submitting this complaint to dispute several items on my credit report that I believe are inaccurately reported. Please find below the details of the accounts in dispute, separated by credit bureau. 

Charged Off Accounts : XXXX XXXX  : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX  : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$230.00} Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Positive Accounts : None reported for dispute. 

Late Payments : XXXX XXXX XXXX : Account Number : 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 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly investigate inaccurately reported collection accounts and against XXXX XXXX entities for multiple serious violations including unlicensed collection activities and fraudulent reporting. 

ACCOUNT 1 : XXXX XXXX XXXX # XXXX * * Reporting {$660.00} collection on TransUnion This is not my account - belongs to someone with similar name No validation ever provided Company not licensed in NMLS database ACCOUNT 2 : XXXX XXXX  # XXXX * * Reporting {$1000.00} balance with {$1200.00} " credit limit '' Collection accounts can not have credit limits- mathematically impossible This is not my account - wrong person debt No validation provided Company not licensed in NMLS database SPECIFIC VIOLATIONS : UNLICENSED COLLECTION ACTIVITIES XXXX XXXX XXXX NOT FOUND in NMLS Consumer Access database XXXX XXXX XXXX NOT FOUND in NMLS Consumer Access database Engaging in interstate debt collection without required state licenses FDCPA 1692e ( 5 ) violation - threatening legal action without license WRONG PERSON DEBT Both accounts belong to someone with similar name No contractual relationship with these companies Mixed file/wrong person reporting MATHEMATICAL IMPOSSIBILITY Account # XXXXXXXX XXXX XXXX XXXX XXXX  shows credit limit on collection account Collections can not have credit limits- definitionally impossible Numbers make no mathematical sense FAILURE TO VALIDATE No validation notices ever received Continued collection without validation Reporting to credit bureaus without documentation TRANSUNION INVESTIGATION FAILURE Failed to conduct reasonable investigation Continuing to report clearly inaccurate information Not requiring proper Metro 2 coding compliance EVIDENCE : CFPB vs. XXXX XXXX XXXX XXXX XXXX ) - $ XXXX penalty for unlicensed collection FTC vs. XXXX Services XXXX XXXX ) - $ XXXX penalty for unlicensed activities State of NY vs. XXXX XXXX  ( XXXX ) - Licensing violations settlement Credit reports showing inaccurate accounts NMLS search results showing no licenses Previous dispute documentation Proof of wrong person debt

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