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

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 XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX Subject : Formal Dispute and Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act Dear [ Experian / TransUnion / Equifax ], I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute certain information appearing on my credit report. I am formally requesting that your agency conduct a full reinvestigation of my credit file and delete any and all accounts, inquiries, or other information that can not be verified as accurate, complete, and current. 

Under 15 U.S.C. 1681i ( a ), you are legally required to conduct a reasonable investigation of any disputed information within 30 days of receiving this notice. If any information in my file can not be verified, is found to be inaccurate, or can not be confirmed by the data furnisher, it must be promptly deleted or corrected from my credit report. 

I am not identifying specific items in this correspondence ; instead, I am requesting a thorough verification of all accounts and entries associated with my credit file to ensure full compliance with federal law. 

In accordance with your obligations under the FCRA, please provide me with : 1. Written confirmation that the reinvestigation has been initiated.

2. A description of the procedure used to verify the disputed information, including the name, address, and telephone number of each furnisher contacted.

3. A new and updated copy of my credit report reflecting all deletions or corrections made as a result of your reinvestigation. 

Please complete your investigation and forward written results to me at the address listed above within the time frame required by law. 

Thank you for your prompt attention to this matter and for ensuring compliance with the Fair Credit Reporting Act. 

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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I am filing this complaint regarding Express Recovery Services , Inc. ( XXXX XXXX XXXX, Utah ). The chain of events is as follows : I received the original phone call from this company on XX/XX/year>. When I asked who was calling, they confirmed the company name ( which I was unfamiliar with at the time of the call ) but would not tell me their reason for calling and demanded I confirm my name. I again asked them to verify their reason for calling and they said they could not do so without me verifying my name, so I hung up. 
I received the first written request for payment a few days later ( their letter was dated XX/XX/year>XXXX  ). 
On XX/XX/year>, I received another call from them, I did not answer. 
On XX/XX/year>, I sent them a letter stating I needed them to provide the date of debt, itemization of the alleged debt, documentation bearing my signature, and proof of legal authority for them to collect this debt. I sent that by certified mail, and received a read receipt that Express Recovery Services had received my letter on XX/XX/year>. 
They responded with a letter dated XX/XX/year>XXXX  with information on the alleged debt, but failed to provide the legal documentation bearing my signature or the proof of legal authority for them to collect this debt. 
I sent out another letter back to them dated XX/XX/year>XXXX  stating they had not provided the proper validation and that they must cease all collection efforts until they provided me with the legal documentation I am requesting. 
On XX/XX/year>, they sent another collection notice demanding payment with XXXX other documentation, despite the debt being under dispute and without having provided proper validation. This violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further collection activity until verification is provided. 
I then left a voicemail on XX/XX/year>, informing them of their violation and intent to file this complaint. I am requesting that the CFPB investigate this agencys collection practices and ensure they cease communication and remove this account from their records until they can provide full legal verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-07 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am a victim of identity theft and am filing this complaint based on the Florida-notarized Statement of Identity Fraud I previously sent to TransUnion. I recently discovered that my credit report contains numerous fraudulent accounts and unauthorized inquiries that were opened or initiated without my knowledge, permission, or authorization. 

I have not received any money, goods, or services from these fraudulent items. This identity theft began around XX/XX/XXXX, and I first became aware of it in XX/XX/XXXX. I have sent a formal dispute letter, my affidavit of identity theft, and my identifying documents to TransUnion, demanding that these items be blocked and removed in accordance with FCRA 605B. 

The following fraudulent accounts are incorrectly reporting on my TransUnion credit file : XXXX : Account # XXXXXXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additionally, there are numerous unauthorized inquiries on my TransUnion report resulting from this identity theft. A complete list of these inquiries is detailed in my formal dispute letter and the attached documents I will be annexing.

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 2025-11-07 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 am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in my credit report with the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below are the details of the disputed accounts that I believe to be incorrect, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I respectfully request that these accounts be investigated and updated or removed accordingly. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$21000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00} LATE PAYMENT XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX 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
Consumer complaint received 2025-11-07 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: V and H Portfolio
State: FL

Complaint narrative:
I am submitting this complaint because several accounts on my XXXX  credit report are being inaccurately reported. The accounts listed under Vance & Huffman LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX contain false, misleading, and/or unverifiable information. 

1. VANCE & HUFFMAN LLC - {$1100.00}. This company is inaccurately reporting a collection account for {$1100.00} on my credit report. I have never received proper validation or documentation of this alleged debt, and the company has not provided proof that they have the legal right to collect or report this account. The balance, payment history, and dates being reported are inconsistent and do not match any records of mine. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and require Vance & Huffman LLC to provide complete validation of the account, including a signed contract and chain of assignment. If they can not verify this debt with accurate documentation, I request that it be deleted from my credit report immediately, and all negative reporting be removed. 

XXXX XXXX XXXX XXXX {$1100.00}. I am submitting this complaint because XXXX XXXX XXXX is reporting a collection account for {$1100.00} on my credit report. I have not received any verification or written notice that validates this alleged debt. The company has failed to provide proof of ownership, assignment, or a signed agreement to confirm that this account is legitimate. The reporting contains errors in the balance, dates, and payment status that do not accurately reflect my credit history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel XXXX XXXX XXXX to produce complete validation. If the account can not be verified with proper documentation, I request its immediate deletion and the removal of all related negative information from my credit report. 

XXXX. XXXX XXXX XXXX {$21000.00} I am filing this complaint because XXXX XXXX XXXX XXXX reporting inaccurate information about an auto loan with a charged-off balance of {$21000.00} on my credit report. The account shows a repossession and charge-off status that does not align with the actual terms or history of the loan. I have requested validation and a full accounting of this alleged balance, but the company has failed to provide clear documentation or records verifying the accuracy of the reporting. The payment history and amount listed are inconsistent with my records and appear to be incorrectly reported. I am requesting that the Consumer Financial Protection Bureau investigate this account and require XXXX XXXX XXXX to validate the debt in full. If they can not provide complete and accurate proof, I ask that this account be deleted from my credit report and all negative information removed.

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

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX and XXXXXXXX XXXX for reporting false and misleading late payment information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused significant harm to my credit profile and financial reputation. 
Details of the Inaccurate Accounts : Disputed Accounts : XXXX XXXX Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/2021 Issue : Reported as Late Payment This is an inaccurate entry. The account reflects no balance due, and therefore a late payment report is factually impossible.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), consumer reporting agencies must maintain the highest standards of accuracy, and FCRA 611 ( A ) grants me the right to dispute and have incorrect data corrected or removed promptly. Reporting an account with a XXXX balance as delinquent constitutes negligent reporting and a violation of federal law. 
Both creditors have failed to provide any proof of delinquency or payment history supporting these false claims. The continuous reporting of these accounts as late is damaging my credit reputation, affecting my ability to obtain credit, and causing unnecessary emotional distress. 
I am requesting that the CFPB investigate this matter immediately and take enforcement action to ensure : The removal or correction of these false late payment entries. 
Verification that both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX are maintaining compliance with FCRA reporting standards. 
Assurance that similar violations will not continue in the future.

Attached are supporting details, including copies of my credit report highlighting the disputed accounts. I request a formal investigation into these entities and a written response regarding the outcome of this complaint.

Thank you for your time and attention to this serious matter.

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 2025-11-07 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: WI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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

Complaint narrative:
Please consider this my formal request for the deletion of the referenced accounts. I did not authorize them, and they appear fraudulent. Supporting documentation is attached for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was suppose to receive my direct deposit today on XX/XX/year> and confirmed with my employer on this and received a paystub with confirmation of my payment having been approved, i have called at XXXX my bank in regards to my direct deposit they informed me it is in progress and should be received it in the afternoon. I kept checking my account and not have received anything I called at XXXX XXXX and had spoken to multiple people and some would say its there and other would say its not and no one confirmed on where and why my direct deposit was not processed. Two people that were suppose to be supervisors had hanged up on me with no results. Now they are telling me that its my employer but in my paystub its stated my bank needs to approve it. And now its XXXX XXXX and I do not have my direct deposit

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Purchased a new vehicle on XXXXtraded in a XXXX XXXXXXXX XXXX which was financed thru XXXX XXXX XXXXXXXX pay off was XXXX. My payments on the XXXX were due on the XXXX of every month. Car was up to date at trade in. Dealership paid off the car. To this day, XXXX car loan for the XXXX has still not been paid off and the interest was added on additionally. Capital One also states I am 16 days late on my loan which i am not. The dealership, XXXX, whom I bought the new car from mailed the payoff check on XXXX XXXX cashed the check on XXXX has not been applied to pay off my XXXX. The dealership has called them multiple times ( 4 ) to be exact and it is documented, and i have also called twice. Capital One keeps promising they will payoff the car but don't. It has now been 30 days since they had the payoff money and i have had my new car for 40 days. On my credit it appears i have two car loans totaling over XXXX which is NOT the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There is an account that was opened on XX/XX/year> named LVNV funding I never opened no account and requested the removal of this account on my credit file the company is saying that it is accurate I never do this or opened this account please look into this and remove it XXXX has already removed it from my file why cant XXXX do the same

Company response to consumer: Closed with explanation