vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been incorrectly reported under my name. I have never authorized or opened this account, and its inclusion is both inaccurate and damaging.

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 2025-08-18 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX  and the credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate late payments on my closed auto loan account. 

The account ( XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, original amount {$23000.00} ) was fully paid and closed in good standing. However, the credit bureaus are reporting a 30-day late payment in XX/XX/XXXX. This is inaccurate, unverifiable, and damaging to my credit history. 

According to the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), the credit bureaus must ensure maximum possible accuracy and conduct a proper reinvestigation when a consumer disputes an item.

Additionally, under Truth in Lending Act ( 15 U.S.C. 1666b ; 12 CFR 1026.13 ), creditors are prohibited from misreporting billing/payment information without proper validation. 

I have already disputed this with the credit bureaus. If XXXX XXXX  and the credit bureaus can not provide documented proof ( statements, records, payment history logs ) that I was actually 30 days late in XX/XX/XXXX, then they are legally obligated to delete this derogatory remark and update my account status to : Paid as Agreed Never Late ( PAANL ).

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 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX  and the credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate late payments on my closed auto loan account. 

The account ( XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, original amount {$23000.00} ) was fully paid and closed in good standing. However, the credit bureaus are reporting a 30-day late payment in XX/XX/XXXX. This is inaccurate, unverifiable, and damaging to my credit history. 

According to the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), the credit bureaus must ensure maximum possible accuracy and conduct a proper reinvestigation when a consumer disputes an item.

Additionally, under Truth in Lending Act ( 15 U.S.C. 1666b ; 12 CFR 1026.13 ), creditors are prohibited from misreporting billing/payment information without proper validation. 

I have already disputed this with the credit bureaus. If XXXX XXXX  and the credit bureaus can not provide documented proof ( statements, records, payment history logs ) that I was actually 30 days late in XX/XX/XXXX, then they are legally obligated to delete this derogatory remark and update my account status to : Paid as Agreed Never Late ( PAANL ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
Equifax Information Services, LLC XXXX XXXX Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am submitting this letter as a formal dispute of inaccurate and unlawful information being reported on my credit file. 
The Issues : Late Payments are being reported that are inaccurate, unverifiable, and damaging to my credit profile.

Closed Account Reporting An account that has been closed continues to be reported as if it were active/open, which is misleading and unlawful. 

Consumer Rights Violated These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ), 607 ( b ) Credit bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX must do more than rely on creditors ; they must conduct an independent investigation. 

XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Misstating account status is considered inaccurate reporting under FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Failure to remove disputed inaccurate info violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
Equifax Information Services, LLC XXXX XXXX Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am submitting this letter as a formal dispute of inaccurate and unlawful information being reported on my credit file. 
The Issues : Late Payments are being reported that are inaccurate, unverifiable, and damaging to my credit profile.

Closed Account Reporting An account that has been closed continues to be reported as if it were active/open, which is misleading and unlawful. 

Consumer Rights Violated These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ), 607 ( b ) Credit bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX must do more than rely on creditors ; they must conduct an independent investigation. 

XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Misstating account status is considered inaccurate reporting under FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Failure to remove disputed inaccurate info violates the FCRA.

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 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 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 explanation
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX ,2025 XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report, as their presence has caused significant emotional and financial XXXX  by inaccurately representing my credit history and responsibilities. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family, and if this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-18 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:
In XX/XX/2025, my credit card account with XXXX XXXX account ending in was reported as charged off for {$2500.00}. I believe this reporting is inaccurate/unfair because I requested documentation, but I have not received adequate proof of the accuracy of this debt. I am requesting that the CFPB ensure that XXXX investigates this account, verifies the accuracy, and updates or removes the negative information if it can not be fully substantiated under the Fair Credit Reporting Act ( FCRA ). This incorrect reporting is negatively affecting my creditworthiness, and I am asking for a fair and accurate resolution. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2025, my credit card account with XXXX XXXX account ending in was reported as charged off for {$2500.00}. I believe this reporting is inaccurate/unfair because I requested documentation, but I have not received adequate proof of the accuracy of this debt. I am requesting that the CFPB ensure that XXXX investigates this account, verifies the accuracy, and updates or removes the negative information if it can not be fully substantiated under the Fair Credit Reporting Act ( FCRA ). This incorrect reporting is negatively affecting my creditworthiness, and I am asking for a fair and accurate resolution. 

Thank you for your assistance.

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 2025-08-18 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: EQUIFAX, INC.
State: GA

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 4 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 30 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. 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am a victim of identity theft and am requesting, pursuant to 15 U.S.C. 1681c-2, that you block from my credit file all fraudulent accounts that do not belong to me. 

The following accounts, appearing on my credit reports, are fraudulent and must be blocked : 1. XXXX XXXX XXXX Account # XXXX Status : Charged-off, {$21.00} balance. 
2. XXXX  XXXX Account # XXXX Status : Charged-off, {$1900.00} balance. 
3. XXXX XXXX XXXX XXXX Account # XXXX Status : Charged-off, {$21000.00} balance. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Status : Charged-off, {$5100.00} balance. 

As required by law, I have included : Proof of my identity ( government-issued ID and proof of address ) Identity theft report ( FTC report or police report ) Sworn statement of non-responsibility Under 15 U.S.C. 1681c-2 ( a ), you are required to block this fraudulent information within 4 business days of receiving my request.

Please provide written confirmation once these accounts have been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-18 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: MS

Complaint narrative:
I am formally disputing the late payment reported on my account. My records show that the payment was submitted on time, and the reported late entry is incorrect. This misrepresentation unfairly harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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