vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
I am disputing the inaccurate reporting of two XXXXXXXX XXXX XXXX XXXX  accounts that have been charged off but continue to report outstanding balances that may have been settled or canceled, and XXXX XXXX has failed to issue a Form 1099-C if the debts were canceled. This may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

I am submitting this complaint against XXXX XXXX regarding two charged-off accounts that are being inaccurately reported to the credit bureaus. 

Account ending in XXXX is reporting a balance of {$1800.00} Account ending in XXXX is reporting a balance of {$660.00} Both accounts are marked as " Charged-Off '' on my credit reports, but the reported balances are questionable. XXXX XXXX has not : Provided verification of the amounts, Updated the tradelines to reflect accurate status if the debt was canceled, settled, or sold, Issued a Form 1099-C, if any portion of the debt was canceled as required by 26 U.S. Code 6050P, nor Complied with their obligation under FCRA 623 to report complete and accurate information.

I believe this reporting is : Inaccurate or incomplete, Potentially misleading to other creditors, In violation of my consumer rights under the FCRA. 

I have not received proper documentation from XXXX XXXX to justify the reported balances after charge-off. If the accounts were settled or canceled in whole or part, XXXX XXXX may be in violation of IRS and credit reporting requirements. 

I am requesting : A full investigation into the accuracy of both accounts, Verification of the balances and account statuses, Issuance of 1099-C forms if the debts were canceled, Immediate correction or deletion of any inaccurate or unverifiable information.

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 2025-07-24 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 am disputing the inaccurate reporting of two XXXX XXXX credit card accounts that have been charged off but continue to report outstanding balances that may have been settled or canceled, and XXXX XXXX has failed to issue a Form 1099-C if the debts were canceled. This may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

I am submitting this complaint against XXXX XXXX regarding two charged-off accounts that are being inaccurately reported to the credit bureaus. 

Account ending in XXXX is reporting a balance of {$1800.00} Account ending in XXXX is reporting a balance of {$660.00} Both accounts are marked as " Charged-Off '' on my credit reports, but the reported balances are questionable. XXXX XXXX has not : Provided verification of the amounts, Updated the tradelines to reflect accurate status if the debt was canceled, settled, or sold, Issued a Form 1099-C, if any portion of the debt was canceled as required by 26 U.S. Code 6050P, nor Complied with their obligation under FCRA 623 to report complete and accurate information.

I believe this reporting is : Inaccurate or incomplete, Potentially misleading to other creditors, In violation of my consumer rights under the FCRA. 

I have not received proper documentation from XXXX XXXX to justify the reported balances after charge-off. If the accounts were settled or canceled in whole or part, XXXX XXXX may be in violation of IRS and credit reporting requirements.

I am requesting : A full investigation into the accuracy of both accounts, Verification of the balances and account statuses, Issuance of 1099-C forms if the debts were canceled, Immediate correction or deletion of any inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
I am disputing the inaccurate reporting of two XXXX XXXXXXXX XXXX XXXX accounts that have been charged off but continue to report outstanding balances that may have been settled or canceled, and XXXX XXXX has failed to issue a Form 1099-C if the debts were canceled. This may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

I am submitting this complaint against XXXX XXXX regarding two charged-off accounts that are being inaccurately reported to the credit bureaus. 

Account ending in XXXX is reporting a balance of {$1800.00} Account ending in XXXX is reporting a balance of {$660.00} Both accounts are marked as " Charged-Off '' on my credit reports, but the reported balances are questionable. XXXX XXXX has not : Provided verification of the amounts, Updated the tradelines to reflect accurate status if the debt was canceled, settled, or sold, Issued a Form 1099-C, if any portion of the debt was canceled as required by 26 U.S. Code 6050P, nor Complied with their obligation under FCRA 623 to report complete and accurate information.

I believe this reporting is : Inaccurate or incomplete, Potentially misleading to other creditors, In violation of my consumer rights under the FCRA. 

I have not received proper documentation from XXXX XXXX to justify the reported balances after charge-off. If the accounts were settled or canceled in whole or part, XXXX XXXX may be in violation of IRS and credit reporting requirements.

I am requesting : A full investigation into the accuracy of both accounts, Verification of the balances and account statuses, Issuance of 1099-C forms if the debts were canceled, Immediate correction or deletion of any inaccurate or unverifiable information.

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 2025-07-24 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Ive tried to reach them by mail twice, once on XX/XX/XXXX and again XX/XX/XXXX about information not being reported accurately across all 3 of the credit bureaus and I keep getting a email saying it not me send in the 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
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
Re : Notice of Dispute, Demand for Validation, and Cease and Desist To Whom It May Concern, This letter is your formal notice that I dispute your claim that I owe any debt to your agency, and I demand that you provide complete validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Let me be absolutely clear : you do not have my permission to contact me, and I have no contractual obligation with your agency.

You are attempting to collect a debt that has not been validated, and unless you produce a signed contract bearing my name and wet-ink signature, along with a full accounting of the alleged debt, you are in direct violation of federal law. As of now, no such agreement exists between myself and your agency. You are acting as a third-party interloper without legal standing.

You are hereby instructed to cease and desist all communication with me including letters, calls, emails, or attempts to contact third parties until you provide the following within 30 days : 1. A copy of the original contract bearing my signature and the original creditors information.

2. A full itemization of the debt, including all dates, charges, and interest applied.

3. Proof that your agency has legal authority or assignment to collect this debt.

4. Your debt collection license number for my state and proof of your registration to conduct collections in this jurisdiction.

Until you satisfy all of the above, you are to cease all collection efforts. Any continued attempts to collect, harass, or report this debt to the credit bureaus without validation constitutes a violation of the FDCPA, and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, if you report unverifiable or inaccurate information.

Failure to comply with this demand will result in immediate legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and your state attorney generals office. I will also pursue statutory damages of up to {$1000.00} per violation under the FDCPA, and will not hesitate to initiate civil litigation if necessary.

This is your final notice. Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-24 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: IL

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-24 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received a single vague debt collection email from AmSher regarding a XXXX account I had no prior knowledge of. The email stated I owed a balance of {$270.00} ( later increased to {$340.00} with fees ), but it offered no itemized explanation or supporting documentation only a generic claim that a balance existed. I had switched to XXXX in XX/XX/XXXXXXXX  and was never contacted by XXXX about any final bill. I submitted a formal dispute through XXXX online dispute portal in late XXXX, requesting full validation of the debt, including a breakdown of charges and documentation proving I owed the alleged balance. AmSher attempted to call me briefly including a call the day after I submitted the dispute and then all contact abruptly stopped. This clearly shows they received my dispute, even though they never responded to it. AmSher never sent any documentation or validation, and yet still proceeded to report the debt to the credit bureaus. This is a direct violation of the FDCPA ( failure to validate and cease collection activity during dispute ) and FCRA ( reporting disputed information without verification ). I was denied my legal right to resolve or understand this debt before it damaged my credit. AmSher also had the wrong mailing address on file, which meant I received no mailed notices and was not properly informed. This is not an isolated issue AmSher has a known pattern of disregarding disputes, misreporting accounts, and failing to validate debts, as seen in prior legal complaints. I am requesting that the account be fully deleted from all credit reports and that this matter be formally addressed. 

I do not have a direct screenshot confirming the dispute submission, but I have a saved PDF copy of the exact message I submitted through their website. 

I regularly receive and archive XXXX emails, as shown in my inbox record. There was never any message notifying me of a balance due or final bill, which supports my claim that I was never properly informed by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-24 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:
I am reaching out to request an investigation into certain accounts that are inaccurately listed on my credit report. In accordance with USC 1681g, I am requesting their removal within 15 days. Ive provided the necessary documentation for your review. In addition, the account details reported vary between credit bureaus and contain multiple discrepancies.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> I spoke to XXXX after not being able to unfreeze my credit. Still can't do it. Need it done now

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 2025-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year> did not apply for anything with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Dear Experian Dispute Department, I am formally disputing the accuracy and validity of multiple accounts appearing on my Experian credit report. These accounts are either inaccurate, outdated, duplicated, unverifiable, or the result of potential identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand immediate investigation and deletion of the following : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX  Duplicate listings : XX/XX/XXXX and XX/XX/XXXX - Balance : {$930.00} / {$1000.00} - Dispute Reason : Duplicate account reporting. Report only once if valid. Verify or delete. 
- Legal Code : 15 U.S.C. 1681i ; 1681e ( b ) 2. XXXX XXXXXXXX XXXX - Opened : XX/XX/XXXX | Balance : {$650.00} - Dispute Reason : Debt buyer. No original creditor documentation provided. Validation demanded. 
- Legal Code : 15 U.S.C. 1692g ( b ) ; 1681s-2 ( b ) XXXX. XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX | Balance : {$1600.00} - Dispute Reason : Unknown debt. No contract or signed agreement verified. Validation demanded. 
- Legal Code : 15 U.S.C. 1692g ( b ) ; 1681s-2 ( b ) 4. XXXX XXXXXXXX - Opened : XX/XX/XXXX | XXXX : {$4700.00} - Dispute Reason : Charged off with ongoing past-due reporting. Must verify full chain of title and original contract. 
- Legal Code : 15 U.S.C. 1681i ; 1681e ( b ) 5. XXXX - Opened : XX/XX/XXXX | Balance : {$0.00} ( charged off ) - Dispute Reason : XXXX of limitations likely expired. No remaining balance. Obsolete data. 
- Legal Code : 15 U.S.C. 1681c ( a ) ( 4 ) ; 1681e ( b ) 6. XXXX XXXX XXXX - Opened : XX/XX/XXXX | Balance : {$0.00} ( charged off ) - Dispute Reason : No recent activity. Potential identity theft. Validate or delete. 
- Legal Code : 15 U.S.C. 1681c ( f ) ; 1681s-2 ( b ) Legal References Supporting My 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NC

Complaint narrative:
The report contains the following inaccurate information : XXXX XXXX XXXX XX/XX/year> This inaccurate information is also being furnished by your company to my XXXX XXXX tenant screening, resulting causing negative results. 

LEXIS NEXIUS reporting inaccuracies to XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/year> This information is not accurate, mixed files or Mistaken Identity : The eviction belongs to someone else with a similar name or identifying information. 
Please delete this inaccurate eviction immediately To my knowledge Lexius Nexus has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days of the data you received in this letter. If said documents can not be produced, please delete this eviction from my report immediately. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation