vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-11 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: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-11 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: LA

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt is not mine. It was also subtracted out of my tax return and therefore paid in full. It needs to be removed from my credit report. I was not responsible for this debt, it has been paid anyway, therefore am no longer responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Equifax is currently reporting multiple collection and charge-off accounts that I dispute as inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These include XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ), reported as a charge-off dated XX/XX/XXXX with a balance of {$6600.00}. 
XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), listed as a charge-off dated XX/XX/XXXX with a balance of {$1500.00}. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, showing a {$0.00} balance but still reported with derogatory remarks. 
XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), recorded on XX/XX/XXXX with an unpaid balance of {$510.00}. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), recently reported on XX/XX/XXXX with a balance of {$2200.00}. 

Many of these entries either lack sufficient verification, reflect contradictory data ( such as accounts marked as charge-offs despite a {$0.00} balance ), or fail to provide original source documentation to establish the accuracy and ownership of the debt. For example, if the XXXX account has a XXXX balance, why is it still being reported with a derogatory status? That is misleading and unnecessarily damaging. In other cases, such as the XXXX or XXXX XXXX charge-offs, I have not received verification showing that the information being reported is both current and accurate. 

These issues are not just technicalitiesthey materially harm my creditworthiness, and I believe they stem from either a failure to properly update records, a lack of verification from data furnishers, or even broader issues related to the improper handling of consumer disputes. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/year> XXXX $ XX/XX/year> XXXX $ These amounts were sent to XXXX XXXX on Cashapp for car parts that were never recieved and despite me contacting Cashapp for a refund as well as my Bank XXXX they have both declined to assist me further even though this is obviously fraud/scam. I dont understand how Cashapp or XXXX can decline me a refund when no goods have been exchanged for this currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccurate and unauthorized entries that must be removed or corrected immediately. These entries are either due to identity theft or reflect false late payment data, which has negatively affected my creditworthiness and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

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 2025-06-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 XXXX, TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}

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 2025-06-11 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit informatio n.

Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This letter serves as a formal notice and complaint regarding your companys continued unauthorized reporting of a negative item on my consumer credit report, which has significantly hindered my ability to obtain credit and secure stable housing for my family. 

Upon reviewing my credit report, I noticed that your company is reporting a collection account for which I was never notified, nor was I given the opportunity to validate or dispute the debt as required under 15 U.S.C. 1692g ( a ) of the FDCPA. Your failure to provide me with written notice of this alleged debt within five days of the initial communication constitutes a clear violation of federal law.

Additionally, you are reporting this account to the consumer reporting agencies without my permission, and without having demonstrated the legal right or contractual agreement to collect or report this debt. I have not received any agreement bearing my signature granting consent for such collection activity, making this an unauthorized act and an invasion of privacy as interpreted in case law such as : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Debt collectors must provide clear notice and an opportunity to dispute before assuming the validity of the debt. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Reporting a debt without verifying its accuracy and without permission can constitute a violation of the FDCPA.

Furthermore, by continuing to report this alleged debt to the credit bureaus without proper validation or authorization, you are in direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA, which obligates furnishers of information to ensure the accuracy and integrity of what they report.

This negative reporting is materially harming my ability to support my family. I am in the process of obtaining housing and credit approval, and your unverified reporting is obstructing this process. You are hereby instructed to immediately : 1. Cease all reporting of this account to any consumer reporting agency.

2. Cease all collection activities regarding this debt.

3. Provide full validation of the debt, including a copy of any agreement bearing my signature, the complete chain of title, and a breakdown of the amount allegedly owed.

If you fail to comply within 15 days of receipt, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue civil damages under 15 U.S.C. 1692k for each violation.

Please be advised this letter is written in good faith in an attempt to resolve this matter. I demand all future communications be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently applied for an XXXX loan with chase but was denied due to a closed checking account from XXXX This account was not open by me and is fraud. See referenced court case XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and would like this information removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 and would like this information removed as soon as possible.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and would like this information removed as soon as possible.

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 2025-06-11 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccurate entries that I am formally disputing. 

First, there are several late payment notations reported on accounts that I consistently paid on time. Specifically, [ list examples like : XXXXXXXX XXXX XXXX XXXX is showing XXXX missed payments that never occurred ]. These late payment entries are false and damaging to my credit score and reputation. I have documentation to show that these payments were made on time and in accordance with the creditors billing terms. 

Second, there are XXXX or more unauthorized accounts listed on my report that I did not open, authorize, or have any knowledge of. For example, the XXXX account was not opened by me and appears to be the result of identity theft. I have never had any financial relationship with that entity, and I did not give permission for them to access or report information about me. I am submitting this dispute under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from being held accountable for fraudulent accounts resulting from identity theft.

These errors are causing significant harm to my creditworthiness, increasing the cost of credit and limiting my access to financial services. I am requesting an immediate reinvestigation under 15 U.S.C. 1681i, and for any unverifiable or inaccurate data to be removed or corrected as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am not disputing the validity of the account ( XXXX ) themselves, but the inaccurate and/or unverifiable late payment information associated with them. 
I am requesting the immediate and permanent deletion of only the late payment notations, while preserving all accurate positive history. 
Disputed Accounts and Issues XXXX XXXX  Accounts : XXXX, XXXX Late payments reported after account closure Conflicting remarks : Dispute Resolved, Account Delinquent, and Consumer Disputes Inaccurate payment status reported differently across all XXXX bureaus XXXX XXXX XXXX XXXX Account : XXXX XXXX day late payments reported after account closed Consumer Dispute Resolved remark without sufficient validation Violation of timely reinvestigation procedures Legal Violations : 15 U.S.C . 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting late payments after an account is closed without full verification is inaccurate and misleading.

15 U.S.C. 1681i ( a ) ( 1 ) : Upon receiving a dispute, credit bureaus must conduct a reasonable reinvestigation. If the information can not be verified with original documentation, it must be deleted within 30 days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate, including unjustified late payments.

15 U.S.C. 1666b : Creditors can not impose late fees or report late payments unless payment was due at least 21 days prior. Many late entries are invalid under this rule.

15 U.S.C. 1637b : Requires full transparency and disclosure for credit reporting. Failing to explain the cause of a late payment on a closed account violates this law. 
15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with these laws allows consumers to sue for damages, attorneys fees, and punitive damages.

Action Requested I respectfully request that these inaccurate late payment entries be removed. If your investigation can not fully verify them with original, signed documentation within 30 days, you are required to delete them under FCRA 1681i ( a ) ( 5 ) ( A ). 
Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General. I also reserve the right to pursue legal action. 
Please provide written confirmation that the late payment information has been permanently removed 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 explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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 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 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 2025-06-11 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief