vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because [ Experian/TransUnion ] is inaccurately reporting a bankruptcy and related account on my credit file and has failed to comply with the Fair Credit Reporting Act in several key areas.

I have disputed this bankruptcy multiple times and received a response from [ Experian/TransUnion ] stating that the account was verified. However, they have not provided any documentation or sufficient evidence supporting the verification of this public record, which violates several sections of the FCRA. 
In addition, I obtained written confirmation from XXXX, a known third-party public record data provider, that they have ceased all sharing or reporting of my bankruptcy information. I also have documentation and/or confirmation from the bankruptcy court that they do not verify information with credit reporting agencies. 
Despite these facts, [ Experian/TransUnion ] continues to report the bankruptcy and a connected account as included in bankruptcy, which is damaging to my credit profile and is being reported without proper or legal verification.

Relevant FCRA Violations : 1681i ( a ) ( 1 ) ( A ) : [ Experian/TransUnion ] failed to conduct a reasonable reinvestigation of the disputed information as required. They returned a generic verified status without demonstrating that a genuine investigation was performed.

1681i ( a ) ( 7 ) : After being asked to explain the method of verification, [ Experian/TransUnion ] failed to provide a description of the procedure used to verify the accuracy and completeness of the information. They are required to respond with specific details, including the party contacted, how they were contacted, and what documentation was used none of which were provided.

1681e ( b ) : The continued reporting of unverifiable or outdated information demonstrates a failure to maintain the maximum possible accuracy of my consumer file. XXXX has confirmed they no longer furnish this data, meaning the information being reported lacks a valid, verifiable source. 
Additionally, if [ Experian/TransUnion ] claims they used PACER, I must stress that PACER is a public access system, not a data furnisher or authorized verifier. Furthermore, federal courts have made it clear that they do not verify or report consumer data to 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 non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EdFinancial Services
State: GA

Complaint narrative:
I have had this on my report for years I have had a forbearance on the account as well and I sent in a payment to pay the debt out in full and I never received compensation or confirmation about the payment being received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having an ongoing issue with TransUnion regarding my credit file. My credit report appears to be frozen or restricted, preventing lenders from accessing it and blocking me from refinancing or applying for credit. However, I never placed a freeze or lock on my report.

I contacted TransUnion directly to resolve this, but instead of offering a straightforward verification process, they told me I must physically mail in a written letter along with an original copy of my Social Security card which is not only excessive but also a serious security concern. I have verified my identity through all reasonable channels and continue to be denied access or updates.

This situation is significantly impacting my financial opportunities. I believe TransUnion is reporting inaccurate or outdated information about a freeze status and not providing a reasonable method to fix the issue. I am requesting that TransUnion immediately investigate and correct this matter so my credit file can be accessed appropriately.

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I made a payment arrangement with Resurgent Capital Services to resolve a XXXX XXXX XXXX XXXX XXXX ( Resurgent Account ID ending in XXXX ) for a total of {$490.00}. I have already made my first payment of {$240.00} on XX/XX/year>, which was confirmed by email ( Confirmation XXXX XXXXXXXX ). 

Resurgent previously sent me an email stating that if the tradeline was being reported at the time my final payment posted, they would submit a request to delete it. However, on a recent phone call, a representative confirmed the tradeline would be deleted verbally, but denied ever sending the original email. When I requested a new written confirmation, they told me they dont do that, despite the fact I already received it in writing. This is misleading and deceptive. 

Now, LVNV Funding LLC is reporting the same debt to the credit bureaus as a new collection account opened on XX/XX/year>. This falsely re-ages the account, which actually originated much earlier with XXXX XXXX. My credit report does not show the original delinquency date, and the XX/XX/XXXX opened date makes it appear as if this is a brand-new collection, which is not true. 

As a result, my credit score dropped over 30 points, and Im being reported as owing the full {$490.00}, even though I have already paid half of it. This is not just unfair it is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits re-aging old debts to make them look new.

I am requesting : Immediate deletion of the Resurgent and LVNV tradelines as originally promised.

Accurate correction of the opened date to reflect the true age of the debt and not the collection agencys reporting date.

Acknowledgement that partial payment has already been made, and the balance should reflect that.

An investigation into the deceptive and misleading practices used in communication and credit reporting.

I have both the original email from Resurgent confirming deletion, and proof of my first payment. I am ready to provide both as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-17 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: NV

Complaint narrative:
I am disputing the inaccurate and misleading reporting of an auto loan account from XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account was closed and paid in XXXX, yet it continues to show derogatory remarks including paid in full for less than full balance and past due payment history from XXXX. 

Additionally, a previous dispute is marked resolved by the credit bureaus, but no proper reinvestigation or method of verification was ever provided as required under the Fair Credit Reporting Act ( FCRA 611 ). These remarks are outdated and misleading. 

I am requesting that XXXX XXXX XXXX and the credit reporting agencies remove all negative notations, update the account to reflect a paid and closed status with no derogatory language, or provide proper documentation that verifies their reporting is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I had a brief conversation with XXXX XXXX at XXXX XXXX XXXX this morning regarding U. S. Collections West continued pursuit of an invalid debt. Back in XXXX I sent U.S.Collections West a certified letter along with correspondence that was originally sent to the original creditor. Which explained my contentions with the move out statement and my position to file counter claim if they attempted to collect the inaccurate, unverifiable charges. After receiving my letter this agency immediately pulled a hard inquiry and began reporting the alleged debt. They have since increased the balance twice and reaffirmed the disputed debt as accurate with XXXX XXXX XXXX continued to state the debt was valid and was revised by the XXXX in XXXX and that a letter was supposedly sent to me. Which I never received. XXXX XXXX informed me he was terminating the call. When I questioned why his response was well because I can. I have no way to resolve this inaccurate unverified account now but to unfortunately pursue legal action against XXXX on my own. His fraudulent, deceptive practices are disturbing. He clearly violated the FDCPA, FCRA, we are incurring irreparable damages as a direct result of his gross misconduct. Furthermore, I contacted XXXX immediately after the call ended to inquire if the balance had been revised. I was informed it had not. XXXX XXXX statements are dishonest. XXXX XXXX and his staff have violated over 5 federal laws. A consumer should not have to endure such illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: AZ

Complaint narrative:
etails : I have been billed for a monthly Genius subscription by Albert ( billed $ [ xxx ] on [ date ], # [ list additional dates ] ) despite repeated attempts to cancel since [ six months ago ]. These attempts included : Cancel via app profile Help Payments Cancel Genius.

Email to support@albert.com on [ dates ]. 
Text Cancel Genius to XXXX on [ dates ]. 
None of these succeeded ; you continued billing without my consent. I also attempted to close my Albert account but can not withdraw the remaining balance due to app restrictions requiring a {$0.00} balance and system errors.

Requested : Cancel my subscription immediately.

Refund all charges incurred since my first cancellation attempt.

Close my Albert account and return any remaining balance.

Provide proof/documentation of payment and cancellation history.

Attachments : Screenshots of billing and cancellation attempts.

Copies of correspondences with support.

Transaction records showing unauthorized debits.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation