vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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 a victim of identity theft. Fraudulent accounts and inquiries were placed on my credit file without my knowledge or authorization. I have filed an FTC Identity Theft Report and am invoking my rights under US 1681c-2 ( FCRA 605B ) to have these items blocked from my credit report. 

Next Step Litigation & Class Action If these violations of US 1681c-2 ( FCRA 605B ) are not remedied, I intend to pursue litigation to enforce my rights, including claims for statutory damages, actual damages, and attorneys fees. I am also exploring participation in an active class action against the credit reporting agency for systemic noncompliance with identity theft blocking requirements.

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 2025-08-09 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 a victim of identity theft. Fraudulent accounts and inquiries were placed on my credit file without my knowledge or authorization. I have filed an FTC Identity Theft Report and am invoking my rights under US 1681c-2 ( FCRA 605B ) to have these items blocked from my credit report. 

Next Step Litigation & Class Action If these violations of US 1681c-2 ( FCRA 605B ) are not remedied, I intend to pursue litigation to enforce my rights, including claims for statutory damages, actual damages, and attorneys fees. I am also exploring participation in an active class action against the credit reporting agency for systemic noncompliance with identity theft blocking requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by National Credit System for XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX 

Account Details : Creditor : National Credit System Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$5500.00} Date Opened ( per XXXX  ) : XX/XX/XXXX Status : Collection Terms : 1 Month Reasons for Complaint : XXXX. Possible Re-Aging of the Account ( FCRA Violation ) The lease began in XXXX, and I moved out in XX/XX/XXXX. 
The reported Date Opened of XX/XX/XXXX is 5 months after I vacated the property and appears inaccurate. 
This date could improperly extend the time the account remains on my credit report beyond the legal 7-year limit. 
I request documentation showing the Date of First Delinquency ( DOFD ) and the date the account was actually placed in collections. 
2. Incorrect Contract Terms The account is reporting Terms : 1 Month, which is not accurate for a residential lease. My lease was for a longer term, and this misrepresentation affects the accuracy of the tradeline.

3. Unverified & Unitemized Balance The reported balance of {$5500.00} has not been validated or itemized.

I request a complete breakdown of the balance, including unpaid rent, lease break fees, utilities, damages, cleaning charges, and any other amounts claimed along with proof that these charges are permitted under the lease and applicable law.

4. Failure to Provide Required Documentation I have disputed this account with XXXX, and while it is marked as consumer disputes, the furnisher has not provided supporting documentation to validate the debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), the furnisher must provide documentation to support the accuracy of reporting. 

Requested Resolution : Provide a copy of my signed lease agreement, full payment ledger, move-in/move-out statements, damage or repair invoices, and proof of when the account was placed with National Credit System. 
If the account can not be verified with original documentation and correct dates, I request that it be deleted from my credit reports with all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I observed a late payment on my consumer report account despite making the required payment on time. XXXX  XXXXXXXX XXXX XXXX ( Account # : XXXX ) reported negative information ( a late payment ) about my account to one or more consumer reporting agencies without providing me with the required notice, as mandated under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

According to this section of the law, a data furnisher that reports negative information to a credit reporting agency must notify the consumer in writing within 30 days of furnishing such information. 

In my case : A late payment was reported to Equifax/Experian/TransUnion on or about XX/XX/XXXX. I never received written notice from the furnisher within 30 days that they intended to or had reported this negative information. This failure to notify me is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ). This lack of notification deprived me of the opportunity to address or dispute the issue in a timely manner. 

I have attempted to resolve this issue directly with the creditor by contacting customer service on XX/XX/XXXX, but the late payment has not been reversed.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I observed a late payment on my consumer report account despite making the required payment on time. XXXX  XXXXXXXX XXXX XXXX ( Account # : XXXX ) reported negative information ( a late payment ) about my account to one or more consumer reporting agencies without providing me with the required notice, as mandated under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

According to this section of the law, a data furnisher that reports negative information to a credit reporting agency must notify the consumer in writing within 30 days of furnishing such information. 

In my case : A late payment was reported to Equifax/Experian/TransUnion on or about XX/XX/XXXX. I never received written notice from the furnisher within 30 days that they intended to or had reported this negative information. This failure to notify me is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ). This lack of notification deprived me of the opportunity to address or dispute the issue in a timely manner. 

I have attempted to resolve this issue directly with the creditor by contacting customer service on XX/XX/XXXX, but the late payment has not been reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: UT

Complaint narrative:
I will not send anything by mail, I am requesting immediate corrective action against XXXX XXXX XXXX, Corelogic, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. 

XXXX XXXX XXXX, Corelogic, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner.

611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute. 
The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. 

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) mandates the safeguarding of consumers personal information. 

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. 

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. 

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

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 2025-08-09 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have no knowledge of these inquiries on my credit report. It has damaged my credit and its not fair that I have to deal with that. I cant get approved for certain credit cards or loans because of these hard inquiries that makes my credit look as if its delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 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: LA

Complaint narrative:
I am writing to formally dispute the information in my credit report under the provisions of 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ), particularly in light of the recent XXXX XXXX Data Breach which may have compromised my personal information.

I have reviewed my credit report and found discrepancies that I believe are inaccurate due to unauthorized access to my personal data. As a result of this breach, I am concerned that my credit report may contain information that does not accurately reflect my credit history.

According to 15 USC 1681c-2, it is required for consumer reporting agencies to take additional precautions when a data breach occurs that affects personal information. I would like to formally request a reinvestigation of the entries on my credit report related to this incident, as they may no longer be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I dont agree with or how things are being reported on my credit. I was with a company before XXXX And my information is being reported on

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 2025-08-09 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: NJ

Complaint narrative:
I dont agree with or how things are being reported on my credit. I was with a company before XXXX And my information is being reported on

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 2025-08-09 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: NJ

Complaint narrative:
I dont agree with or how things are being reported on my credit. I was with a company before XXXX And my information is being reported on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there are several accounts ive never opened. Someone has used my personal information to open these fraudulent accounts without my consent and authorization. Inquiries are 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there are several accounts ive never opened. Someone has used my personal information to open these fraudulent accounts without my consent and authorization. Inquiries are 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I dont agree with or how things are being reported on my credit. I was with a company before Nelnet And my information is being reported on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX and Discover did a merger and Discover charged off my debt on XX/XX/year> and now XXXX XXXX is suing me for {$2700.00}. 
I went to court on XX/XX/year> and disputed the amount and have a court date scheduled. 

If the debt has been charged off why did I not receive a XXXX for the charge off, and why am I being sued if it was charged off?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

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 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-08-09 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: KS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 submitted a request to have XXXX  equifax and Experian to remove all incorrect information since XX/XX/year> and nothing happened. I submitted a complaint for XXXX  I am requesting this complaint is investigated on all thread credit bureaus

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 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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