vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX Account Dear TRANSUNION I am writing to formally dispute inaccurate information being reported on my credit file. I obtained a copy of my credit report and found an entry for an account reported under XXXX XXXX XXXX  with the account number ending in XXXX that I believe contains incorrect or inconsistent data. I am requesting that you investigate and correct or remove the following information as appropriate. 

Disputed Information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Inconsistencies : The account is reported as Closed with TransUnion and Experian, but as Open with Equifax. 
The balance and past due amounts vary slightly between bureaus. 
There is an inconsistent payment status, listed as 120 days late by some and 180 days late by others. 
The date opened is listed as XX/XX/XXXX on two reports and XX/XX/XXXX on another. 

These discrepancies create confusion and may unfairly impact my creditworthiness. I request that your office conduct an investigation under the Fair Credit Reporting Act ( FCRA ), verify the accuracy of this account with the data furnisher ( XXXX XXXX XXXX XXXX, and update or delete the information as appropriate. Please send me written confirmation of the results of your investigation. 

I have attached a copy of my ID, a recent utility bill ( for address verification ), and a copy of the credit report with the account in question highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
No IRS Form 1099-C has been issued, raising concerns under 26 U.S.C. 6050P if the original creditor charged off or canceled the debt. The current reporting may also violate XXXX XXXX credit reporting guidelines due to inaccurate account status, balance, or date coding, creating additional compliance issues under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
On XX/XX/XXXX, I submitted my third request for Equifax to correct inaccurate information on my credit report. In my first two requests, Equifax denied my request, indicating that the debt was validated ; however, neither Equifax nor the reporting agency was able to provide all required documentation to validate the debt. Instead, the company sent me the same letter in XXXX different envelopes, with the same information. On XX/XX/XXXX, I filed a complaint with you ; I just received another letter from Equifax indicating that the record will not be corrected because the company does not appear on my credit report. I have attached a copy of the denial letter and a copy of my credit report, which shows the company reporting inaccurate information. 


I am tired of Equifax maltreating me, and I am disgusted by the way they disregard their obligations to protect our information and ensure their reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the law 15 USC 1681s-2 ( c ) ( 2 ) accounts that were charge off can't be in the credit report. Please remove this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX usc XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX usc XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( XX/XX/XXXX), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Certified mail was received on XXXX XXXX by the debt collector ( CREDIT MANAGEMENT COMPANY ) requesting a validation of debt. Upon reviewing the account, I became concerned that a HIPAA violation may have occurred. 
The collection agency disclosed the nature of my medical treatment ( e.g., procedure name or condition ) to the credit reporting agencies. The name of the provider included protected health information. 
I was never provided with proper authorization for my medical information to be shared with a third-party debt collector. 
Detailed medical information was shared publicly or with unauthorized individuals. 
According to the Health Insurance Portability and Accountability Act ( HIPAA ), my protected health information ( PHI ) should not have been shared without my explicit written consent, especially for purposes unrelated to treatment, payment, or healthcare operations.

They responded with medical records, Direct VIOLATION OF HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my social security number with no security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified of a hard inquiry that was pulled by Capital one that i did not authorize. I immediately the following business day notified Capital one and they kept telling me to dispute it with the bureaus. I did that with XXXX  and they verified the information as accurate when it was not me. I already have XXXX Capital one accounts why would I need another one. This hard inquiry dropped my credit score XXXX points! I am in the process of trying to buy a house and this is hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-03 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a trade line on my experian credit report that is not only outdated, but also being reported erroneously. The account is an old XXXX 's charge card that went delinquent XXXX years ago. The balance was paid yet Experian continues to report otherwise despite several disputes. 
Regardless, my experian report clearly provides a removal date of XX/XX/year>. Here we are into XXXX, and it's still there. I just logged into my account with Experian and now see that the removal date has disappeared. Luckily, I did take a screen shot of it for my records. 
I've done some research and see several other complaints reporting the same issues with Experian.

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 2025-06-03 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-03 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:
b'I am a victim of XXXX. The information listed below, which appears on my credit report,\nis the result of that XXXX\nACCOUNTS:\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 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

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 2025-06-03 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:
In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed. I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Grounds to File a CFPB Complaint Heres why : XXXX. The {$2700.00} medical collection ( XXXX XXXX XXXX for XXXX XXXX ) is still being reported even though federal law prohibits paid or unpaid medical collections under $ XXXXand requires strict verification for those over {$500.00}. 


XXXX. I HAVE already disputed, and only XXXX  acknowledged your dispute. XXXX  and XXXX  are still reporting inaccurate/illegal data. 


XXXX. XXXX XXXX XXXX XXXX XXXX sold the debt to Transworld Systems but is still showing as a charge-off on your report. Once sold, the original creditor must report it as a {$0.00} balance and " sold or transferred '' not still due. 




XXXX XXXX  Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX TN XXXX Email : XXXX > I have repeatedly disputed inaccurate and unlawful accounts reporting to XXXX XXXX XXXX with no valid reinvestigation response. I am XXXX and the accounts in question are either invalid or should be removed under federal law. 



Detailed Summary > I am disputing a {$2700.00} medical collection account from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' reporting to XXXX XXXX XXXX This violates the new federal rules under the No Surprises Act and changes implemented by the CFPB and credit bureaus, which state that unpaid medical bills under {$500.00} and unverifiable accounts are not to be reported. This collection is illegal. 

In addition, a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurately reporting on all three bureaus even though it was sold to Transworld Systems Inc. XXXX and Transworld is now also reporting the same debt as a collection. This is double reporting, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX  acknowledged my dispute but did not resolve it. XXXX  and XXXX have failed to respond appropriately and continue to list these accounts as valid, affecting my ability to seek housing and credit. I have a XXXX and am on a fixed income. This continued inaccurate reporting is unlawful, harmful, and discriminatory. 






-.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just a co-signer the property was brought paided in full. Company XXXX  was brought from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-03 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:
After I submitted FTC XXXX Report XXXX XXXXXXXX, TransUnion and Experian originally deleted the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX original {$3000.00} ). The account has been reinserted as a XXXX XXXX  with XXXX code conflicts : XXXX with XXXX {$0.00} and XXXX {$0.00}, missing XXXX, and no XXXX. These conflicts violate the XXXX XXXX XXXX XXXX ( datafact mismatch, XXXX ) and XXXX ( a ) ( XXXX ). The bureaus also failed to send the fiveday reinsertion notice or furnisher certification required by XXXX ( a ) ( XXXX ) ( B ) and have not provided the methodofverification ( XXXX ( a ) ( XXXX ) ( B ) ( iii ) ). My scores dropped XXXX points, causing credit 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 2025-06-03 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: GA

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 response to consumer: Closed with explanation