vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-10-23 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. I have struggled to get approved for credit because of these inaccuracies and it has been very stressful. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-23 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: LA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB Corporation
State: PA

Complaint narrative:
I am filing this complaint under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), as well as XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX P.S. XXXX et seq. ) and the Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ).

My personal informationincluding my address and date of birthwas shared or disclosed improperly by XXXX XXXX XXXX, USCB Corporation and XXXX  Credit Bureau, a creditor or debt-collection agency, with individuals or entities not authorized under law to receive it. This constitutes an unauthorized communication of personal and debt-related information. 

I have reason to believe this disclosure violated my privacy rights and may have also involved inaccurate or unverified reporting to consumer credit bureaus. I have preserved written evidence of these communications.

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 2025-10-23 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 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:
I am disputing the following accounts on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ) 611 and 623. I believe these accounts are inaccurate or unverifiable. 
1. XXXX Account No. XXXX ( Late payment ) 2. XXXX XXXX Account No. XXXX ( Collection ) 3. XXXX XXXX Account No. XXXX ( Collection ) 4. I XXXX XXXX Account No. XXXX ( Collection ) 5. XXXX Account No. XXXX ( Collection ) I am requesting that TransUnion conduct a reinvestigation of these accounts and verify them with the original creditors. Any unverifiable or inaccurate accounts must be deleted immediately. Please provide written confirmation of your findings and an updated credit report. 
I am disputing unauthorized hard inquiries that appear on my XXXX  credit report. These inquiries were not initiated or authorized by me and therefore represent an improper use of my credit file under the Fair Credit Reporting Act ( FCRA ) 604 and 611. 
1. XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/year> Please verify that these inquiries were made with my written authorization or a permissible purpose as defined by the FCRA. If they can not be verified as authorized, they must be deleted immediately from my report. Please provide documentation of the results and an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
It doesnt accurately reflect my financial values.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I ask then to provide with the original agreement. They put the the collection on here twice with different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurately reporting my XXXX XXXX  account to the credit bureaus. 

This account has never been late. I entered into a lowered payment plan with XXXX after discussing the terms with their representative. During that call, I explicitly asked whether this arrangement would affect the status of my account or be reported negatively. I was assured that it would remain in good standing and that the modification would not impact my credit report. 

Despite this, XXXX XXXX has reported multiple late payments over the past XXXX years, which is completely false and misleading. To make matters worseXXXX XXXX  and XXXX have since ended their business relationship, and my account was closed because of thatnot due to any delinquency or customer fault. It is unacceptable that XXXX continues to report erroneous negative information, causing significant harm to my credit profile.

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 2025-10-23 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: PA

Complaint narrative:
In XX/XX/year>, I mailed formal dispute and debt verification letters to both Experian and TransUnion requesting full validation of several accounts appearing on my credit reports. I specifically requested copies of signed agreements, payment history, and documentation proving ownership of each account. I also asked that all communications be made by mail only and that inaccurate personal information be corrected. 

Despite my verified proof of identity and multiple follow-up attempts, neither Experian nor TransUnion provided any verification, documentation, or confirmation of investigation results. Experian continued to contact me by email against my written instruction and both bureaus continue to report the disputed and unverified accounts. In addition, both bureaus have failed to correct inaccurate and outdated personal information such as misspelled names, incorrect addresses, and phone numbers. 

Their failure to conduct a reasonable investigation, verify disputed information, or correct inaccuracies violates multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am requesting that the CFPB ensure Experian and TransUnion delete all unverified accounts, remove incorrect personal data, and provide written confirmation of all corrections. 

I have attached copies of my dispute and verification letters and 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 2025-10-23 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: Local Data Recovery, LLC
State: OR

Complaint narrative:
I have received multiple phone calls regarding a credit card debt that I supposedly owed from XXXX. I am in the State of Oregon. I do not recall ever having the credit card that they are accusing me of having a debt on. This credit card was not listed on my credit report, which I monitor, closely. 
I explained to the individual on the phone that I do not owe any debts from XXXX. He continued to repeatedly call me, even after I blocked his call, he had another individual call from another phone number. 

I was told that this particular credit card debt was not included in my XXXX  XXXX bankruptcy because this company was trying to work with me about the debt. This is false. They are threatening me and stating that if I don't agree to payment arrangements, they are going to take me to court. The last phone call that came in I sent to voicemail and the message basically stated that I have been put on notice that if I don't work with them to pay this debt then they will take me to court. I saved the voicemails that have been left. The calls began this morning. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) and them from XXXX. 
I know for a fact that even if I did have a debt from XXXX, the XXXX of Oregon as a statute of limitations regarding the collection of old debts. 
They have emails listed as my emails, that have never been my emails, they are giving me dates of when they have sent letters to me at a XXXX XXXX from a time that my residence was in a completely different part of the state from where they are saying. 
They are grasping at straws to try to scare and intimidate me into entering into a payment arrangement for a debt that I do not owe. I may be XXXX, but I know my rights and what Oregon law states regarding collection agencies. 

Thank you for your assistance. 

Best regards, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I need to make clear this is not a mistake. My credit report contains multiple inaccurate and potentially fraudulent entries that have harmed my credit and caused ongoing financial and emotional distress.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
The inaccurate credit report I received is surprising, as it should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document that substantiates each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a serious matter. Removing any false accounts promptly is essential to prevent future financial consequences. My credit report holds significant importance, and I expect only accurate, verified, and compliant data to be documented. 

SUNRISECRED - 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 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-23 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX CARD Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5900.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$610.00} Account name XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$2500.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit Cards Date opened XX/XX/XXXX Balance {$680.00}

Company response to consumer: Closed with explanation