vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies and unverifiable information reported on my credit file. These errors are negatively affecting my creditworthiness and do not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$760.00} Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ], credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a full reinvestigation

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 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies and unverifiable information reported on my credit file. These errors are negatively affecting my creditworthiness and do not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$760.00} Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ], credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a full reinvestigation

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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
They claimed I owed the money to XXXX XXXX XXXX since XXXX. When In fact this happened 15 years ago now cant get them to take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare mishandled my XXXX  forbearance and violated XXXX  servicing guidelines, resulting in false delinquency reporting, credit damage, and the threat of illegal foreclosure. 

I was approved for a XXXX XXXX forbearance XXXX XX/XX/XXXX to XX/XX/year>, with {$0.00} payments during that period. My XXXX  payment was scheduled for XX/XX/year>. I submitted a reaffirmation request on XX/XX/year>, asking to extend my forbearance due to continued financial hardship and ongoing unemployment. I did not request to exit my forbearance early. 

My account was fully current prior to entering forbearance, which qualifies me under XXXX  guidelines for streamlined post-forbearance options. I was verbally told by LoanCare that my forbearance was classified as an XXXX  XXXX  forbearance, and I relied on that representation when managing my loan. I quoted XXXX  guidelines in my communications to LoanCare to ensure proper handling. 

Despite this, LoanCare : Changed my payment start date from XXXX to XXXX, effectively erasing my forbearance and treating me as delinquent Removed all records of my approved forbearance from their system Capitalized interest during the protected forbearance period Reported me as delinquent to all XXXX  credit bureaus even though I am not delinquent Ignored my reaffirmation request and failed to confirm it was pending Never provided repayment options in writing, despite XXXX  servicing requirements Only discussed repayment verbally, suggesting installment plans while I specifically requested XXXX options such as a stand-alone partial claim or deferral of missed payments to the end of the loan I have contacted LoanCare multiple times in writing, requesting a written explanation of these actions and their processes. They have never responded with substance only generic letters stating they are reviewing or acknowledging receipt. 

XXXX premature removal of my forbearance status despite my reaffirmation request and continued hardship will result in false delinquency reporting, damage to my credit, and potentially illegal foreclosure proceedings, even though I am still within the original forbearance window and not delinquent. 

Ive filed a complaint with HUD and received a ticket number

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 2025-10-16 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: TX

Complaint narrative:
XXXX happened. When i request a dispute they literally the very next day send me a latter stating that they verified all of the information as confirmed and corrected. That isnt even possible to do in less then XXXX hours. I have requested so much information from the debt buying companies that they refuse to provide to me. This is my last resort. Not only Experian, Transunion and Equifax are all at fault. They have never done a fair investigation. When i ask for a reevaluation they never provide it.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to request an investigation into the accuracy of certain late payment information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain the maximum possible accuracy of information, and 15 U.S.C. 1681i ( a ) grants consumers the right to dispute any information that may be inaccurate, incomplete, or unclear. 
XXXX XXXX  XXXX * Balance : {$30000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-10-16 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am submitting this letter as a formal written dispute regarding an account currently being reported on my Experian credit report. This entry contains potential inaccuracies, unverifiable balances, and may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation, proper validation, and correction or deletion of the following account : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX * * * Balance : {$750.00} I hereby request that Experian conduct a thorough investigation of this account, obtain proper validation from the data furnisher, and delete any account that can not be verified with proper and complete documentation. Please respond with the results of your investigation in writing within the timeframe required by 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 2025-10-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Re : Request for Debt Validation LVNV Funding LLC Alleged Amount {$1700.00} No account number provided To Whom It XXXX Concern : I am writing regarding a purported debt you allege I owe to LVNV Funding LLC in the amount of {$1700.00}. Please treat this letter as a written request for validation of the debt under the Fair Debt Collection Practices Act ( XXXX5 U.S.C. 1692g ). I dispute the validity of this debt and request that you provide the following documentation and information : 1. The name and address of the original creditor and any current creditor.

2. The amount of the alleged debt, including an itemized statement showing how the amount was calculated ( principal, fees, interest, and any other charges ).

3. A copy of the original contract or agreement bearing my signature ( or other proof that I agreed to this debt ).

4. Proof of your legal authorization to collect debts in my state and your license number ( if applicable ).

5. Proof of assignment or chain of title showing how LVNV Funding LLC obtained this debt from the original creditor ( if applicable ).

6. Any judgment information if you claim a court judgment exists ( court name, case number, date of judgment ).

7. The name and address of any previous debt collectors who handled this account and dates of their activity.

8. A copy of any billing statements, notices, or correspondence you have sent me about this alleged debt.

9. The account number you claim applies to this debt ( you previously provided none ). If you claim an account number exists, provide documentation connecting that number to me.

10. Verification that you have performed a search of credit reporting records and the results ( if you reported or will report this account ).

Until you provide the requested validation, you are required by federal law to cease all collection activities and cease reporting this alleged debt to any credit reporting agency. If you can not provide the requested verification within 30 days of receipt of this letter, you must consider the debt disputed and discontinue collection efforts and credit reporting with respect to this account.

Please send all requested documents to the address at the top of this letter. I will review anything you provide ; if you do not provide verifiable documentation, I will consider the matter closed and take appropriate steps to correct my credit records and, if necessary, pursue further remedies.

This letter is sent without prejudice to my rights. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple late open accounts reported on my credit file, which I believe are inaccurate or unverifiable. These entries are negatively impacting my credit profile and do not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ], credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a complete reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: TX

Complaint narrative:
CFPB Complaint Draft Experian FCRA Violation & Negligence Subject : Formal Complaint Against Experian Refusal to Properly Investigate, Verify, or Remove Inaccurate Information ( FCRA 607 ( b ), 611 ( a ) ) Summary : Experian continues to report a charged-off account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that was sold to a third-party collection agency ( XXXX XXXX ) XXXX provided written proof of the sale, yet Experian refuses to delete or even properly reinvestigate the entry. Within XXXX ( XXXX ) days of my dispute, Experian marked the account as verified, which is not possible given the timeline and lack of documentation. 
Additionally, Experian continues to report false personal information, including an incorrect middle name ( XXXX ), despite multiple correction requests. 
These actions are blatant violations of the Fair Credit Reporting Act, specifically : * FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

* FCRA 611 ( a ) : Failure to conduct a proper and reasonable reinvestigation.

* FCRA 623 ( b ) : Continued reporting of information known to be inaccurate or unverifiable. 

Details : * Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Ending : XXXX * Incorrectly reported as : Charge-off, unpaid * Disputed on : XX/XX/year> * Marked verified on : XX/XX/year> * Proof provided : Written notice from Celtic Bank/Continental XXXX XXXX XXXX XXXX XXXX XXXX Harm Caused XXXX This inaccurate and unlawfully reported account has severely damaged my credit score, preventing me from accessing basic financial opportunities, renting housing, and rebuilding my credit.Experians negligence in verifying or correcting false data has caused emotional distress and measurable financial harm.

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