vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OR

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am writing to formally dispute the collection account that Credit Coll is reporting to the credit bureaus regarding an alleged debt from progressive. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with progressive, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under XXXX XXXX. XXXX, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from XXXX consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) as it is unverified and disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Formal Dispute of Charge-Off Account XXXX XXXXXXXX To Whom It XXXX Concern, I am writing to formally dispute the reporting of the above-referenced account as a XXXX on my credit file. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I am exercising my right to request a thorough investigation and validation of this account. 
I have reviewed my credit report and believe that the XXXX-XXXX  entry contains inaccurate, incomplete, or unverifiable information, including but not limited to : Incorrect account balance Incorrect or missing date of first delinquency Lack of clarity around current ownership of the debt Improper reporting of the accounts status Under Federal Consumer Laws, I Request : Pursuant to XXXX U.S.C. XXXX ( a ), I request that you : Reinvestigate the information reported for this account ; Provide verification of the account and all associated details ; Supply documentation proving the accuracy of the reporting, including : Original signed agreement; Complete account history ( charges, payments, fees ) ; Clear breakdown of how the XXXXXXXX  balance was calculated ; If applicable, information about debt assignment or sale to a XXXX  XXXX. 


If you are not able to verify this account or provide documentation supporting your claim within XXXX  days, you are required under XXXX XXXX. XXXX ( a ) ( XXXX ) to delete the entry from all credit reports to which it has been reported. 
If the account is in collection with or sold to another entity, I request that you provide the name and contact details of the new debt owner. If you are a XXXX  debt collector, this letter also serves as a debt validation request under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ( b ) ). 
Until this matter is resolved, I am requesting that the account be marked as in dispute on all consumer reports in accordance with XXXX XXXX. XXXX ( f ). 
Failure to comply XXXX result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I reserve the right to pursue legal action for any continued inaccurate or misleading reporting. 
Please respond in writing within XXXX  days of receipt of this letter. 
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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-11 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: TX

Complaint narrative:
I am writing to formally dispute an alleged late payment reported by XXXX XXXX XXXX XXXX XXXX XXXXXXXX to your agency Transunion, Equifax, and Experian. I believe that this entry is inaccurate. Under the FCRA and related laws, I do not believe that the creditors have followed the legal requirements to report it as such. 
Legal basis for dispute : Under 15 USC 1681b, you are required to confirm a permissible purpose to report or share my consumer information. I request documentation of that authorization.

Under 15 USC 6802, you are legally required to protect my private financial data. If this account or any part of it was reported or accessed without my consent, it violates federal privacy law.

If this item can not be 100 % verified with original signed documentation, it must be deleted per FCRA 611.

Also, if any portion of this data resulted from unauthorized use, error, or misrepresentation, it may qualify as aggravated identity misuse under 18 USC 1028A.

I ask for a full reinvestigation and deletion of this negative information if verification can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am writing to formally dispute an alleged late payment reported by XXXX XXXX XXXX XXXX XXXX XXXXXXXX to your agency Transunion, Equifax, and Experian. I believe that this entry is inaccurate. Under the FCRA and related laws, I do not believe that the creditors have followed the legal requirements to report it as such. 
Legal basis for dispute : Under 15 USC 1681b, you are required to confirm a permissible purpose to report or share my consumer information. I request documentation of that authorization.

Under 15 USC 6802, you are legally required to protect my private financial data. If this account or any part of it was reported or accessed without my consent, it violates federal privacy law.

If this item can not be 100 % verified with original signed documentation, it must be deleted per FCRA 611.

Also, if any portion of this data resulted from unauthorized use, error, or misrepresentation, it may qualify as aggravated identity misuse under 18 USC 1028A.

I ask for a full reinvestigation and deletion of this negative information if verification can not be produced.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$790.00}

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC, serviced by Resurgent Capital Services, regarding an alleged debt of {$1000.00} opened on XX/XX/year>. This debt is reported as a collection account and remains on my XXXX, XXXX, AND XXXX  credit report despite unresolved dispute and lack of validation. 

I requested documentation, including a signed contract, chain of assignment, original account history, and Metro 2-compliant data. LVNV/Resurgent has not provided any evidence showing that I owe this debt or that they are legally authorized to report or collect it.

This is a violation of FDCPA 1692g, FCRA 1681s-2, and federal credit reporting accuracy standards. This account must be removed if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Im requesting the removal of inaccurate and harmful late payments from a closed and paid student loan account with XXXX XXXX XXXX, originally opened in XX/XX/XXXX and closed in XX/XX/XXXX. The account was paid in full, but still reflects 30-, 60-, and 90-day delinquencies leading up to its closure in XXXX. 

These late payments occurred during a time of financial hardship caused by the XXXX pandemic. Like many Americans, I struggled to stay afloat during the public health crisis, but once I was financially stable again, I made it a priority to pay the account in full. 

I reached out directly to XXXX XXXX XXXX to request a goodwill removal or to resolve the issue. Unfortunately, I was told there is nothing they can do to help me and that they are not the party reporting the late payments despite the fact that their name is clearly listed as the furnisher on all three of my credit reports. 

Under the Fair Credit Reporting Act ( FCRA 623, 15 U.S.C. 1681s2 ), if XXXX XXXX XXXX is listed as the furnisher of the account, they are legally responsible for ensuring the information is accurate and resolving disputes. Their refusal to investigate or provide assistance is both frustrating and potentially unlawful. 

I have already submitted disputes to Experian, XXXX, and XXXX, but each bureau responded that the information was verified as accurate. The account is now closed and paid in full, but these derogatory marks are continuing to damage my credit profile and prevent me from accessing fairly priced credit.

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 2025-07-11 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: FL

Complaint narrative:
Im requesting the removal of inaccurate and harmful late payments from a closed and paid student loan account with XXXX XXXX XXXX, originally opened in XX/XX/XXXX and closed in XX/XX/XXXX. The account was paid in full, but still reflects 30-, 60-, and 90-day delinquencies leading up to its closure in XXXX. 

These late payments occurred during a time of financial hardship caused by the COVID-19 pandemic. Like many Americans, I struggled to stay afloat during the public health crisis, but once I was financially stable again, I made it a priority to pay the account in full. 

I reached out directly to XXXX XXXX XXXX to request a goodwill removal or to resolve the issue. Unfortunately, I was told there is nothing they can do to help me and that they are not the party reporting the late payments despite the fact that their name is clearly listed as the furnisher on all three of my credit reports. 

Under the Fair Credit Reporting Act ( FCRA 623, 15 U.S.C. 1681s2 ), if XXXX XXXX XXXX is listed as the furnisher of the account, they are legally responsible for ensuring the information is accurate and resolving disputes. Their refusal to investigate or provide assistance is both frustrating and potentially unlawful. 

I have already submitted disputes to XXXX, XXXX, and TransUnion, but each bureau responded that the information was verified as accurate. The account is now closed and paid in full, but these derogatory marks are continuing to damage my credit profile and prevent me from accessing fairly priced credit.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is allowing someone to run my credit that is not me. They have requested my credit report using their email and phone number, none of which are associated with me or my credit report. Ive attempted to get them to stop this but they have not responded. 

They dont verify identity in any manner. Any random person with a phone number has access to my credit report. 

Ive already placed a fraud alert and freeze on my file but again XXXXXXXX XXXX XXXX is STILL allowing someone to run my credit file without making sure its me. They verify identity using this persons email and phone number THAT ARE NOT MINE or associated with me I want XXXX XXXX XXXX  permanently blocked from using my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

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

Company 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 2025-07-11 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: LA

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

Company 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 2025-07-11 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: 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. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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