vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind
me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully mak
e a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 filing this complaint because I have now disputed multiple accounts with Equifax several times, and they continue to report inaccurate and incomplete information despite my repeated notices. Equifax has failed to correct or delete the errors I identified, even after multiple disputes, and continues to furnish information that is inconsistent, unverifiable, and misleading. This ongoing refusal to properly investigate my disputes is a direct violation of federal law requiring maximum possible accuracy and completeness in credit reporting. The attached dispute letter provides detailed documentation of the inaccuracies, omissions, and inconsistencies that remain uncorrected, including missing dates, mismatched payment history, improper reporting of authorized user activity, and collection tradelines without legally required information. By ignoring my prior disputes and allowing these accounts to remain with errors, Equifax is failing in its duty under the FCRA to ensure accuracy, completeness, and proper reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
LVNV is reporting an alleged debt on my credit report that is inaccurate, inconsistent, and unverifiable. I never entered into any contract with them and the company has not provided proper validation of this debt as required under the FDCPA. The tradeline contains conflicting information ( dates, balances, account numbers ) and therefore violates the FCRAs requirement that all furnished data be accurate and verifiable. Reporting also fails to meet Metro 2 compliance standards for consistency and integrity. Under FCRA 605B, unverifiable information must be deleted. LVNV has continued furnishing it in violation of the law. This inaccurate reporting damages my credit standing and creates undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: 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.

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 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 explanation
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a complaint against [ Experian ] for continuing to report a XXXX XXXX XXXX tradeline ( account ending in XXXX ) that is false, inaccurate, and unverifiable. 
Despite my disputes and supporting documentation including a Paid-in-Full confirmation from XXXX XXXX XXXX the account remains derogatory on my credit report.

Violations of Federal Law * FCRA 602 ( a ) : Consumer reporting must be fair and accurate.

* FCRA 607 ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy.

* FCRA 611 ( a ) ( 1 ) ( A ) : Upon receiving a dispute, the bureau must reinvestigate within 30 days and delete unverifiable information.

* FCRA 611 ( a ) ( 5 ) ( A ) & ( B ) : If deleted, the item can not be reinserted unless the furnisher certifies its accuracy in writing, and I must be notified. * FCRA 623 ( a ) ( 3 ) : Furnishers must report an account as disputed
when notified of a consumer dispute. The failure to display this disputed status violates federal law.

* FCRA 623 ( b ) : Furnishers must reasonably investigate disputes and correct inaccurate information.

* FCRA 616617 : Both the bureau and furnisher are liable for damages for negligent or willful noncompliance.

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 2025-10-03 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 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: IN

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized activities appearing on my consumer credit reports. These errors are severely damaging my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, verifiable, and timely. 

Details of the Disputed Items Wrong / Inaccurate Addresses Listed : XXXX XXXX, XXXX, IN XXXX Not my address XXXX XXXX, XXXX, IN XXXX Not my address XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX Not my address These addresses are inaccurate and create a misleading consumer file. I demand their immediate deletion. 

Unauthorized / Questionable Inquiries : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> I did not authorize or initiate these inquiries. They are either fraudulent or reported in error. Under FCRA Section 604, only permissible purpose inquiries are allowed. These entries must be removed immediately.

My Demands Under the Law Delete all wrong addresses listed above.

Remove the unauthorized inquiries. 

Provide written confirmation of the corrections.

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 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I have repeatedly tried to pay this collector, but they have made it extremely difficult. XXXX in their call center claims that there is an auto pay option, but I searched their site several times over several months without seeing one. Calling is an all day affair. When I did get in touch with someone ( XXXX XXXX, he gave me a number to call back once I found my bank account number ( since they won't accept a debit card ). The number went to the voicemail of someone not named XXXX. 

I've never had so much trouble paying a debt. They're suing me, so they want the money, but they make it impossible to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because I was deceived by a fraudulent seller and my credit card company has failed to protect me as a consumer, despite clear evidence of fraud. 

In XX/XX/year> and XX/XX/year>, I purchased two separate orders of XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, which were advertised as authentic XXXX XXXX. In reality, both purchases turned out to be counterfeit replicas. 

First Order ( XX/XX/year> ) : After receiving the product, I immediately had it professionally tested by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX The results confirmed it was not XXXX, but rather 80 % XXXX, 15 % XXXX, and 5 % other materials. ( Proof attached ). 

Second Order ( XX/XX/year> ) : When the second order arrived, I recognized the issue and refused the shipment on XX/XX/year>, returning it directly to sender. ( Proof attached ). As XXXX does not provide a receipt for refused shipments, I explained this to my credit card company. 

Despite these facts and supporting documentation, my credit card company closed my disputes in favor of the vendor. They relied solely on the vendors false claim that I never returned the counterfeit gold and that the items remained in my possession. This is entirely untrue.

I was the victim of fraudulent misrepresentation and deceptive business practices. Not only did the seller knowingly advertise and sell counterfeit goods, but my credit card company has also failed to uphold its responsibility to investigate fairly and protect me as the consumer.

I am respectfully requesting the CFPBs assistance in : Ensuring that I receive a full refund for both fraudulent purchases.

Holding the seller accountable for deceptive practices.

Reviewing the conduct of my credit card company, which neglected its duty to protect the consumer in this case.

I trusted that both the seller and my credit card company would act in good faith. Instead, I was misled by the seller and left without protection by my credit card issuer.

Thank you for your time and attention. I am attaching proof of testing results and shipping records, and both dispute documents. I am available to provide any additional information you may need. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had an extremely difficult time cancelling my subscription. I requested a refund because I only used the product 6 days on a 30 day subscription. I never used the product/services and requested a refund and was denied. The rep explained their company doesn't issue refund

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, when I logged into my online credit report I noticed that Equifax had arbitrarily placed a Fraud Alert on my credit report, WITHOUT MY PERMISSION. Equifax Failed to ensure that inaccurate information was Not added to my credit report without my permissions. TransUnion recently notified me that they had a cybersecurity issue with their third party affiliate and they compromised my social security number and date of birth. Instead of TransUnion taking corrective action to properly remove my information from the dark web, they improperly shared my request with other credit reporting agencies to remove an old Security Alert from my credit report that had expired in XXXX. Somehow INCOMPETENT STAFF AT TRANSUNION, EXPERIAN AND EQUIFAX ADDED A WHOLE NEW SECURITY ALERT TO MY CREDIT REPORT IN XX/XX/year>. INSTEAD OF REMOVING THE OLD SECURITY REPORT FROM MY CREDIT REPORT THAT EXPIRED IN XX/XX/year>. WHEN I CALLED THE CUSTOMER SERVICE NUMBER ATTEMPTING TO SPEAK WITH A LIVE PERSON ; I GOT NOTHING BUT THE RUNAROUND FROM THE INCOMPETENT ARTIFICAL INTELLIGENCE PROGRAM THAT FAILED TO RECOGNIZE MY CURRENT ADDRESS, SSN, DOB AND PERSONAL INFORMATION. I WAS FORCED TO CALL EQUIFAX 'S CORPORATE OFFICE PHONE NUMBER AND COMPLAIN THAT I COULDN'T GET THE USELESS AI ( ARTIFICAL INTELLIGENCE ), TO ALLOW ME TO SPEAK WITH A LIVE PERSON. ALL 3 CREDIT REPORTING AGENCIES HAVE ENGAGED IN UNLAWFUL, COLLUSION THAT IS DESIGNED TO PREVENT CONSUMERS LIKE ME FROM SPEAKING WITH A LIVE PERSON TO FIX ISSUES THAT CAN NOT BE FIXED BY LOGGING INTO ONLINE CREDIT REPORTING AGENCY ACCOUNTS. NEW FEDERAL LAWS ARE NEEDED TO FIX THIS AI GLITCH THAT MAKES PARTIALLY DISABLED VETERANS LIKE ME STAY ON THE PHONE MORE THAN 30 MINUTES ATTEMPTING TO GET PASS A USELESS ARTIFICIAL INTELLIGENCE SYSTEM, THAT'S DESIGNED TO WASTE TAXPAYERS TIME, SO CREDIT REPORTING AGENCIES CAN GET RICH BY SELLING MY PERSONAL DATA TO ANY ENTITY FOR A PROFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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