vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and 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
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a consumer who is currently working to resolve discrepancies in my credit report. Below is the list of accounts I am disputing. Please see the details separated by credit bureau : Charged Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I requested a debt validation for Flagship, they did not satisfy my request

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Velocity Investments , LLC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Account Originally with XXXX XXXX XXXX XXXX XXXX  ) Re : Alleged Balance : {$18000.00} Re : Text Message Received XX/XX/XXXX Unifin Reference # : XXXX Client Reference # : XXXX To Whom It May Concern : I am responding to your recent text message regarding an alleged account you claim is associated with Velocity Investments , LLC and originally with XXXX XXXX XXXX ( XXXX ), with an alleged charge-off date of XX/XX/XXXX. 
I dispute this debt in its entirety. 
This letter is also a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Nothing in this correspondence should be construed as an admission of responsibility, ownership, or liability for the alleged debt. 
________________________________________ Required Documentation Please provide the following : 1. The full name and address of the original creditor ( CPS ). 
2. The complete alleged account number.

3. A copy of the original signed contract or retail installment sales agreement.

4. A complete payment history, from account opening to charge-off.

5. A copy of IRS Form 1099-C, if one was filed in connection with this alleged charged-off account.

6. Full chain of title, including : o Bill of sale from XXXX XXXX o Bill of sale into Velocity Investments 7. Proof that Velocity Investments LLC legally owns the debt. 
8. The date of first delinquency ( DOFD ) as reported to credit bureaus.

9. The date of last payment, if any.

10. A written statement confirming whether the alleged debt is within XXXX statute of limitations. 
________________________________________ Important Notice Time-Barred Debt Based on the information provided and the alleged charge-off date ( XX/XX/XXXX ), this debt appears to be time-barred under California Code of Civil Procedure 337 , which limits written contract actions to four years. 
Pursuing litigation or threatening legal action on a time-barred debt is a violation of : The FDCPA The XXXX  XXXX Fair Debt Collection Practices Act ________________________________________ Communication Restrictions You are hereby instructed to cease all text message communications. 
You may communicate with me only by U.S. mail at the address listed above. 
________________________________________ Consumer Rights Notice If you can not produce the documentation requested, or if you report or continue to report inaccurate information to any credit reporting agency, I will file complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney General Federal Trade Commission ( FTC ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit report. The following accounts are disputed : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX to resolve an incorrect credit reporting, they are saying Im past due XXXX payments which is having a negative impact on my overall credit score. I called in to request the forebearance and it was not recorded. I called back in and it was finally applied and they did not want to reverse the negative hit on my credit reporting. They are asking for a copy for my cellphone bill which I can not provide.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
b'I am writing to dispute the accuracy of the following items on my TransUnion credit report. I request a full investigation and correction or removal of any unverifiable information.\n\nDisputed Charged-Off Accounts:\n\nAccount Name\tAccount Number\tDate Opened\tBalance\nIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDisputed Inquiries:\n\nAccount Name\tDate\nXXXX XXXX dispute these accounts and inquiries because [insert reason]. Please provide documentation validating each account and inquiry, and remove or correct any information that cannot be verified.'

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 2025-12-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a consumer seeking to correct inaccurate and outdated information on my Experian credit report. The accounts listed above are either incorrectly reported as charged off or show inaccurate late payments. I am requesting a thorough investigation and correction of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, the inquiry from XXXX XXXX XXXX is unauthorized and should be removed. 

1. Experian ( EX ) Dispute Type : Charged Off Accounts Account Name Account Number Date Opened Balance Issue XXXX XXXX XXXX XX/XX/XXXX {$680.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$150.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Incorrect reporting / Charged off Dispute Type : Inquiries Account Name Date Issue XXXX XXXX XXXX XX/XX/XXXX Unauthorized / inaccurate inquiry Dispute Type : Late Payments Account Name Account Number Issue XXXX XXXX XXXX Incorrect late payment reported XXXX XXXX Incorrect late payment reported

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 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt collector has not provided proof that they have the legal right to collect debt and the amount of XXXX is inaccurate. Credit limit was XXXX. XX/XX/XXXX statement ( last payment made ) shows balance was XXXX. No additional charges were made after XX/XX/XXXX and all credit cards had a nationwide pause on late fees due to XXXX valid thru XXXX. XXXX Collector has not provided proof that this account was included in the sale listed. Requesting the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Resurgent Capital Services in c/o LVNV Funding LLC XXXX 
XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account # XXXX Reference ID : XXXX Debt Validation Request Under FDCPA & FCRA To Whom It May Concern : I am requesting the below validation. I have sent in numerous validations of debt requests. Again, this letter is a formal request for validation of the alleged debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

1. Request for Debt Validation ( FDCPA 1692g ) Under the FDCPA, I dispute this debt and demand the following information to verify its validity : Please provide the Accounts Purchase Agreement that is listed in the Bill of Sale that states that the Bill of Sale for value received and in further consideration of the mutual covenants and conditions set forth in the Accounts Purchase Agreement ( the Agreement ), dated as XX/XX/XXXX, by XXXX XXXX  and Resurgent Acquisitions LLC Provide proof of Forward Flow Agreement Provide proof Statements from XX/XX/XXXX XX/XX/XXXX. XXXX provided in court for XX/XX/XXXX shows a balance of XXXX with a credit limit of XXXX so prove the additional charges in statements for XX/XX/XXXX thru XX/XX/XXXX Provide Complete Chain of title, unbroken chain verification. 
Please provide original debt contract that you stated was opened on XX/XX/XXXX with the original creditor. 
Proof that the above referenced account # XXXX was included in the Bill of Sale listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also include the sale/transfer from LVNV Funding to Resurgent Capital Services L.P that includes the above reference account. 
A complete payment history, including the date of first delinquency with the original creditor. 




I am also requesting, in writing, that no telephone contact be made by your offices to my home and/or place of employment. All future communications with me must be done in writing and sent to the address noted in this letter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-12-03 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the following accounts on my credit report. These accounts are reported as charged-off, but there are discrepancies that need to be addressed for correction. Below, I have listed the accounts in dispute, separated by each credit bureau. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief