vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was contacted by both XXXX  and Resurgent saying I have a debt with LVNV funding and I have no clue what it is. When it was with resurgent I requested debt validation. I was told since I was disputing it, it was on hold. Then it bounced to XXXX and I again asked for debt validation. Ive asked at least twice if not 3 times with them and theyve recently said the debt went back to LVNV. So I still dont know what it is but I keep trying to get it validated. Its now affecting my ability to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Original creditor is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The account in question - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple inaccuracies that are negatively affecting my credit standing. I have noticed charged-off accounts showing incorrect balances, inconsistent reporting dates, and accounts that are listed as charged off even though they show a {$0.00} balance. In addition, there are inquiries and late payments that I do not recognize or that appear to have been reported in error. I have tried to review my report carefully, but these inconsistencies make it unclear which information is valid. I am requesting that Equifax perform a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy, ownership, and completeness of each account listed below. Any item that can not be fully verified with original documentation should be corrected or deleted from my report. 

Accounts in Dispute Charged Off / Collection Accounts XXXX  XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$0.00} balance but marked charged off. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} balance ; questionable reporting date. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX {$2000.00} ; may be obsolete or inaccurate. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$0.00} but still charged off. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$2600.00} balance ; needs validation. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$6900.00} ; ownership verification requested. 

XXXX  XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$270.00} ; accuracy of charge-off status in question. 

XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX {$970.00} ; requires review. 

Inquiries to Review XXXX XXXX XX/XX/XXXX I do not recall authorizing this hard inquiry ; please verify permissible purpose. 

Late Payment XXXX XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Please confirm the accuracy of reported late payments ; I believe this account was current or paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OK

Complaint narrative:
INTENT TO SUE TRANSUNION Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Intent to Sue for FCRA Violations Maximum Punitive Damages Demanded To Whom It May Concern : This letter serves as a formal Intent to Sue TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the following inaccurate and/or unverifiable accounts : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX. XXXX XXXX ( XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX Balance {$240.00} XXXX. XXXX  XXXX XXXX Acct # XXXX Balance {$310.00} These accounts contain material inaccuracies, unverifiable data, improper dispute handling, and failure to conduct reasonable reinvestigations. 
Damages You Caused : Loss of my apartment Loss of all personal property inside the apartment Housing denials and homelessness risk Documented financial losses exceeding {$10000.00} Emotional distress and instability Legal Violations : FCRA 1681e ( b ) Failure to assure maximum possible accuracy 1681i ( a ) Failure to reinvestigate properly 1681i ( a ) ( 5 ) Failure to delete unverifiable information DEMANDS : 1. Immediate deletion of the listed accounts 2. Written confirmation by mail XXXX. At least {$10000.00} in actual damages + maximum punitive damages allowed by 1681n ( a ) ( 2 ) Deadline : XX/XX/XXXX. 
If you fail to comply, I will file suit in U.S. District Court seeking actual, statutory, punitive damages, attorneys fees, and injunctive relief. 
Signed, 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 XXXX 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 XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

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 : ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 trafficking 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 XXXX 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 XXXX 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 : ( XXXX ) 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding the inaccurate reporting of several accounts on my credit report. The accounts in question include XXXX XXXX  XXXX Account ending XXXX ), XXXX XXXX XXXX XXXX XXXX Account ending XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Balance : {$1900.00}, and XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00}. 
After carefully reviewing my credit history, I have identified reporting inconsistencies that misrepresent the true status of these accounts. These inaccuracies could negatively impact my creditworthiness and create a misleading depiction of my financial history. Despite previous disputes, these items remain inaccurately reported and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding the inaccurate reporting of several accounts on my credit report. The accounts in question include XXXX XXXX  XXXX Account ending XXXX ), XXXX XXXX XXXX XXXX XXXX Account ending XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Balance : {$1900.00}, and XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00}. 
After carefully reviewing my credit history, I have identified reporting inconsistencies that misrepresent the true status of these accounts. These inaccuracies could negatively impact my creditworthiness and create a misleading depiction of my financial history. Despite previous disputes, these items remain inaccurately reported and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon looking at my credit report I see some unauthorized acts that need to be removed from my credit file 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
The merchant charged me before performing the service, which is illegal under the Credit Repair Organizations Act. Speaking with Source Receivables Management about paying off XXXX debt, I was guided into disputing options. I was then guided and pointed out how young I was and wasnt taught about disputes in school, while on the phone with XXXX, being charged by XXXX XXXX XXXX {$1.00} to initiate the dispute then, {$170.00} to dispute other charges on my credit report that he mentioned I would appreciate being gone. Besides this misleading conversation, the contract with XXXX XXXX states {$170.00} is charged after initial work, well I was charged before the disputes were created and sent out for me on my behalf. Not only that it took XXXX minutes to be told my credit repair journey starts now as this goes against their own contract stating I am charged after the initial work is completed. I am only requesting a complete refund and confirmation of no monthly subscriptions and I was also told by XXXX that XXXX XXXX  monthly was necessary. I will dispute freely on my own and was heavily manipulated today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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