vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
FORMAL DISPUTE, CEASE & DESIST, AND NOTICE OF ILLEGAL RE-AGING [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Il XXXX ] Date : [ XX/XX/year> ] XXXXVNV Funding, LLCc/o Resurgent Capital ServicesXXXX XXXX XXXX XXXX XXXXXXXX RE : Account Ending in XXXX / XXXX / XXXX FORMAL DISPUTE & NOTICE OF ILLEGAL CREDIT REPORTING To Whom It May Concern, I am formally disputing the above-referenced account and demanding that LVNV Funding, LLC immediately cease all collection communications with me pursuant to 15 U.S.C. 1692c ( c ).

Your company purchased this alleged account in or around XX/XX/year>. However, the original delinquency occurred years prior, with the original creditor. Despite this fact, LVNV Funding is reporting this account to consumer reporting agencies in a manner that falsely represents the age, status, and activity of the debt.

Specifically, LVNV Funding is inaccurately reporting : * A Date Opened of XX/XX/year>, which improperly reflects the purchase date rather than the original Date of First Delinquency; * Recent payment history and missed payments in XXXX, which is impermissible for a collection account ; * Recent Date of Last Activity entries ( XX/XX/year> ) despite no consumer payment or reactivation; * Conflicting account classifications, including collection, installment, and trade line reporting, which are materially inconsistent and misleading.

Please be advised that the Date of First Delinquency may not be reset or re-aged due to assignment, sale, or transfer of an account. Furnishing information that makes an old debt appear new constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ).

If LVNV Funding can not provide competent documentary evidence establishing : 1. The original creditor, 2. The true Date of First Delinquency, and 3. Your lawful authority to collect and report this account, then you must immediately request deletion of this account from all consumer reporting agencies.

You are further directed to cease all collection activity and communication with me. Any continued reporting of inaccurate information or further contact beyond the exceptions permitted by law will be documented as knowing and willful noncompliance, and I will pursue all available remedies.

This letter is not an acknowledgment of any debt and is sent without waiving any rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
I have put my Card number instead of Account number in my transaction. How Can I fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
These accounts are not mine, and I request their prompt removal within 15 days as required by 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 2025-12-18 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: NY

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-18 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: Regional Management Corporation
State: WI

Complaint narrative:
REGIONAL FINANCE CEASE AND DESIST / DISPUTE ( ELECTRONIC FORMAT ) Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, WI XXXX Creditor : Regional Finance Account Number : XXXX Subject : Cease and Desist Disputed Account Demand for Deletion Statement I am formally disputing the Regional Finance account referenced above in its entirety. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to CEASE AND DESIST all collection activity and all communication with me, including but not limited to phone calls, letters, emails, and credit reporting. 

Regional Finance has failed to provide competent evidence establishing the accuracy and enforceability of this alleged debt, including a valid contract, complete payment history, or documentation supporting the balance being reported. 

Because this account is disputed and unverified, any continued reporting to consumer reporting agencies constitutes a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681b and 1681s-2, which require permissible purpose and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX Account Number : XXXX * High Balance Is Incorrect XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance Is Incorrect XXXX. This car was sold at auction the highest balance is incorrect XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect REVIEW this account immediately and REMOVE it from my credit report. 

I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within XXXX days. you only have XXXX  days to respond or I will file a complaint! 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX Account Number : XXXX * High Balance Is Incorrect XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance Is Incorrect XXXX. This car was sold at auction the highest balance is incorrect XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect REVIEW this account immediately and REMOVE it from my credit report. 

I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within XXXX days. you only have XXXX  days to respond or I will file a complaint! 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
This is not a second complaint about the same problem, this is now a separate complaint from the other one i have submitted XXXX. 

Description of the issue : I am filing this second complaint because the institution ( Block, XXXX App ) is now in direct violation of Federal Regulation E and the XX/XX/XXXX CFPB Consent Order.

Timeline : I reported unauthorized transactions on XX/XX/XXXX. 

Regulation E Violation : As of XX/XX/XXXX ( XXXX business days later ), the institution has failed to either resolve the investigation or provide the mandatory provisional credit required under 12 CFR 1005.11 ( c ). 

Proof of Notice : This is particularly egregious because I provided notice of the account compromise on XX/XX/XXXX and XXXX, XXXX ( via XXXX calls lasting over XXXX minutes each ). The institution failed to secure the account despite this notice. 

Consent Order : I am requesting that the CFPB investigate this as a continuing pattern of the systemic failures cited in the XX/XX/XXXX, Consent Order ( XXXX ). 

Desired Resolution : Immediate issuance of provisional credit for the full amount of the disputed funds and a manual review of the XXXX XX/XX/XXXX call logs. Screenshots of the XXXX I've called into cash between XX/XX/XXXX and XX/XX/XXXX, from both a XXXX and XXXX phone number where I explicitly explained to them, multiple times, that my cashapp account is compromised and they responded that they would remove any devices from the account in order to prevent fraud. I'm not sure how they expected to do that legitimately since I couldn't prove my identity to them satisfactorily and regain possession of my account. At any rate, they were informed on XX/XX/XXXX. Charges after that are not my responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX, TX XXXX SSN ( Last XXXX ) : XXXX CFPB Complaint Statement I am filing this complaint against XXXX XXXX  XXXX XXXX XXXX and the credit reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) and Texas XXXX. 

I disputed a collection account reported by XXXX XXXX  XXXX XXXX XXXX, allegedly originating from XXXX XXXX XXXX, for {$120.00} ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX. I sent a written dispute and validation request to XXXX XXXX  XXXX XXXX XXXX ; however, they have not responded at all and have provided no documentation validating the debt. 

Despite this, the credit bureaus closed my disputes within one day, stating the account was verified. A same-day or near-instant verification strongly suggests that no reasonable reinvestigation occurred, as required by 15 U.S.C. 1681i. There is no evidence that the bureaus reviewed any documentation or conducted anything beyond an automated confirmation.

To date, no competent evidence has been produced showing : A valid contract or service agreement bearing my authorization A detailed billing history supporting the {$120.00} balance Proof that XXXX XXXX XXXX XXXX XXXX has legal authority to collect this debt Verification of the correct date of first delinquency XXXX XXXX XXXX XXXX failure to respond to my dispute violates XXXX5 U.S.C . 1681s-2 ( b ) and Texas Finance Code 392.202, which require a proper investigation and correction or deletion of unverifiable information.

The credit bureaus reliance on conclusory verification without documentation violates 15 U.S.C. 1681i, and the continued reporting of this unverified account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: PR

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX and TransUnion due to the inclusion of false and inaccurate information in my credit report, which has caused my credit score to XXXX  from XXXX to XXXX. 
Facts of the case : XXXX. XXXX XXXX is claiming a debt of {$1300.00}. This amount is non-existent as it was already collected by the company via direct debit from my bank account. 
XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and provided digital evidence of the bank transaction confirming the payment. 
XXXX. I made three additional follow-up calls on XX/XX/XXXX, and XXXX, XXXX. During these calls, XXXX staff failed to process my evidence and systematically refused to escalate my case to a supervisor, leaving me with no path to resolution. 
XXXX. I previously filed a dispute with TransUnion, but they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). They chose to maintain the derogatory information despite the irrefutable proof provided.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I disputed a Discover credit card account that is reporting a charge-off with a past-due balance of approximately {$250.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, the account was marked on my credit report as Consumer disputes reinvestigation in progress. While this dispute was active, Discover updated the account to charged-off and reported this status to TransUnion on XX/XX/XXXX, despite the charge-off date being listed as XX/XX/XXXX. 

After reporting the charge-off during the dispute, Discover removed the dispute remark from my credit report without providing any documentation or explanation showing that a reasonable reinvestigation had been completed. 

I previously attempted to resolve this issue by disputing the account with the credit bureaus and requesting verification. However, Discover continued to report inconsistent and misleading information rather than providing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Would you review this entry carefully? It might be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX -Balance : {$0.00} GROW XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX -Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$15000.00} XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXXBalance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX-Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$250.00} UNAUTHORIZED INQUIRY PLEASE DELETE : 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 2025-12-18 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: IL

Complaint narrative:
My credit report contains multiple credit inquiries that I did not authorize and that can not be verified as having a permissible purpose under the Fair Credit Reporting Act. 

I have disputed these inquiries with the credit bureaus and requested documentation demonstrating permissible purpose. The credit bureaus failed to provide proof that these inquiries were authorized or otherwise legally permissible. 

The continued reporting of unauthorized or unverifiable inquiries is inaccurate, negatively impacts my credit profile, and violates the Fair Credit Reporting Act. 

I am requesting the immediate removal of all unauthorized inquiries or, alternatively, documented proof of permissible purpose for each inquiry, including application records bearing my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor/Furnisher : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  I previously disputed this account, and XXXX XXXX  XXXX reported it as verified. However, the investigation conducted was not reasonable as required by 15 U.S.C. 1681s-2 ( b ). The furnisher failed to demonstrate that it reviewed competent and verifiable evidence supporting the continued reporting of this charge-off, including confirmation of the date of first delinquency, a complete account history, and the lawful basis for ongoing derogatory reporting. A generic verification that does not address these material issues violates the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ).

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 2025-12-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equi fax keeps putting wrong information on my credit report intentionally. I have reported the wrong address multiple times and they update it and the the next day day change it back. I have never once lived in XXXX XXXX why the XXXX do you all have a XXXX address XXXX listed on my credit report and keep removing it and readding it like no one XXXX notices. 

15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX CFPB Complaint Statement I am filing this complaint against Eastern Account System XXXX Inc. and the credit reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) and XXXX  XXXX. 

I disputed a collection account reported by Eastern Account System , Inc., allegedly originating from XXXX XXXX XXXX, for {$120.00} ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ). I sent a written dispute and validation request to Eastern Account System , Inc. ; however, they have not responded at all and have provided no documentation validating the debt. 

Despite this, the credit bureaus closed my disputes within one day, stating the account was verified. A same-day or near-instant verification strongly suggests that no reasonable reinvestigation occurred, as required by 15 U.S.C. 1681i. There is no evidence that the bureaus reviewed any documentation or conducted anything beyond an automated confirmation. 

To date, no competent evidence has been produced showing : A valid contract or service agreement bearing my authorization A detailed billing history supporting the {$120.00} balance Proof that Eastern Account System , Inc. has legal authority to collect this debt Verification of the correct date of first delinquency Eastern Account System, Inc.s failure to respond to my dispute violates 15 U.S.C . 1681s-2 ( b ) and Texas Finance Code 392.202, which require a proper investigation and correction or deletion of unverifiable information. 

The credit bureaus reliance on conclusory verification without documentation violates 15 U.S.C. 1681i, and the continued reporting of this unverified account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation