vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate information reported on my credit file regarding the above-referenced loan account. 
Upon reviewing the information, I have identified several inconsistencies that require immediate correction : XXXX. Account Closure Date vs. Last Payment Date : The account is reported as closed on XX/XX/XXXX, yet the last payment date is recorded as XX/XX/XXXX, which is after the closure date. This discrepancy is illogical and must be corrected. 
XXXX. Balance and Charge-Off Status : The account balance is reported as {$15000.00}, with remarks indicating a profit and loss write-off and a charge-off status. Typically, a charge-off or write-off should reflect a zero or adjusted balance. The current balance appears inconsistent with these remarks. 
XXXX. Missing Monthly Payment Information : The monthly payment amount is listed as No Info, which is unusual and inaccurate for a loan account of this nature. 
XXXX. Confusing Dispute Status : The report states Dispute resolvedsubscriber disagrees twice, without clarity on the resolution outcome. I request clarification on this matter. 
XXXX. Payment History Inconsistencies : The payment history shows multiple warnings across months, yet the times reported as XXXX days late ( XXXX ) seem inconsistent with the derogatory and charge-off statuses reported. 
Please investigate these discrepancies and provide me with an updated, accurate statement of my account. Additionally, please notify the credit reporting agencies of any corrections you make. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt resolution of this dispute. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: KS

Complaint narrative:
After carefully reviewing my credit report from Experian, I found multiple inaccurate, unverifiable, and misleading items that continue to appear despite prior disputes. These errors include charged-off accounts, re-aged debts, duplicate collections, and unauthorized inquiries that were never validated by the furnishers or verified by Experian in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX  and XXXX such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported information that is either inconsistent, unverifiable, or outdated. 

Several of these accounts particularly those reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX appear to have been re-aged, meaning the dates were altered to extend the negative reporting period. This practice directly violates FCRA 623 ( a ) ( 5 ). Additionally, XXXX XXXX / XXXX continues to report an obsolete account, which should have already been removed under FCRA 605 ( a ) ( 5 ). 

Further, XXXX XXXX XXXX is duplicating a XXXX XXXX XXXX  charge-off account under its own name without providing proof of ownership or assignment, which violates FCRA 607 ( b ) for inaccurate reporting and FDCPA 807 ( 8 ) for misrepresentation. 

Lastly, there are unauthorized XXXX  inquiries from XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that were made without my consent or permissible purpose. These inquiries are violations of FCRA 604 ( a ) ( 3 ) and represent unauthorized access to my credit information.

These continued violations by both the furnishers and Experian have caused ongoing damage to my creditworthiness, misrepresented my financial history, and created obstacles to accessing fair credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested information from this company because i dont recall this account on my credit report! I think its unfair and its emotionally draining to be dealing with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
XXXXI am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items appearing on my credit report. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., I have the right to dispute any inaccurate or unverified information. Below is a detailed list of the disputed accounts and inquiries:XXXXDisputed Accounts and Issues:XXXX XXXX XXXX  | Opened: XXXXXXXX  | Balance: XXXX  | Charge-Off**XXXXI have no knowledge or record of this debt. I have never authorized, used, or been responsible for this account. This is an erroneous charge-off. Under FCRA 1681i(a), I demand complete investigation and deletion if unverifiable.XXXX XXXX  | Opened: XXXX  | Balance: XXXX | Late PaymentXXXXThis account shows late payments, which are incorrect. I have always paid on time. Reporting inaccurate late payments is a violation of FCRA 1681s-2(a). I demand that the payment history be corrected immediately.XXXX XXXX XXXX XXXX | High Balance: XXXXXXXX  | Opened: XXXX  | Late PaymentXXXXThe late payment status is false. I have never been late on this account. Reporting inaccurate delinquencies violates my rights under FCRA 1681e(b). I request correction of the account history.XXXXInquiries  Unauthorized or ImproperXXXXAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll inquiries above are unauthorized and/or were not initiated by me. Reporting these inquiries without my consent violates FCRA 604. I demand immediate removal of all unauthorized inquiries.XXXXRequest: I demand an immediate investigation of all disputed accounts and inquiries. Any unverifiable, inaccurate, or unauthorized item must be deleted or corrected within XXXX  days as required by law. I also request written confirmation of all corrections or deletions.XXXXSupporting Documents: (Attach copies of your credit report highlighting disputed items, any identification documents if required, correspondence with creditors, etc.)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Subject : Formal Complaint for Violation of My Consumer Rights under the FCRA and TILA To Whom It May Concern : I am writing to formally notify you that your company has violated my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( 15 U.S.C. 1666b ).

Under 15 U.S.C. 1681, Section 602, I have a right to privacy regarding my personal and financial information. Furthermore, 15 U.S.C. 1681b ( Section 604A ) states that a consumer reporting agency may not furnish a consumer report without my written consent or a permissible purpose as defined by law. I have not provided written authorization for your company to obtain or furnish my information, nor have I established a permissible business relationship that would justify this access. 

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on an open-end credit plan ( including credit card accounts ) as late for any purpose if it was received by the payment due date. Your companys reporting of my account as late is a clear violation of this statute. 

I am requesting that you : XXXX. Cease any further unauthorized access to or furnishing of my credit information ; XXXX. Immediately correct or delete any inaccurate or unlawful reporting to the credit bureaus ; and XXXX. Provide me with written confirmation of your compliance within XXXX  days of receiving this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year>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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/year> XXXX opened credit card accounts apparently from XXXX of companies that closed my accounts without warning until I was served a court summons on XXXX XXXX. I was unaware of the company listed above be in charge of the accounts as right after obtaining the accounts and not informing me, as for mentioned On XXXX XXXX the accounts were purchased however on the morning of XXXX XXXX My Family suffered a House XXXX which is on record and if the company would have contacted I would have informed them of the situation or had I known they were in control of the accounts tried to bring a solution. I am XXXX Veteran with a XXXX  taking care of all my Finances and check away from being Homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: DE

Complaint narrative:
I previously disputed the reporting of a XXXX XXXX charge-off with Equifax. In response, Equifax issued a boilerplate statement claiming the account was verified as accurate. However, they failed to disclose how this verification was conducted, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The reporting is also incomplete and inaccurate. The account reflects months with no data available, which creates ambiguity and violates FCRA 623 ( a ) ( 2 ) 's requirement to report with maximum possible accuracy. Furthermore, if XXXX is continuing to report the same charge-off monthly, this may constitute unlawful re-aging under FCRA 605 ( c ), extending the damage to my credit profile.

I did not dispute identity theft. I disputed accuracy. Equifax did not provide documentation or records used in the verification process, nor did they respond to the specific inaccuracies I raised. Their response does not meet the threshold for a legal reinvestigation. This is unacceptable and harms my ability to secure fair access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: CA

Complaint narrative:
My identity was stolen before the Covid pandemic resulting in negative accounts and poor quality of life due to negative impact in the community and law-enforcement presence at my home and work due to these negative accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My identity was stolen before the Covid pandemic resulting in negative accounts and poor quality of life due to negative impact in the community and law-enforcement presence at my home and work due to these negative accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX XXXX  Date Reported : XX/XX/year> | Balance : {$690.00} Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/year> | Balance : {$1500.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed Date Reported : XX/XX/year> | Balance : {$190.00} Account Number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief