vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX Balance : {$180.00} XXXX XXXX L XXXX Balance : {$22000.00} XXXX XXXX L XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX L XXXX Balance : {$22000.00} XXXX XXXX L XXXX Balance : {$18000.00} XXXX XXXX L XXXX Balance : {$52000.00} XXXX XXXX L XXXX Balance : {$32000.00} XXXX XXXX Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX Balance : {$180.00} XXXX XXXX L XXXX Balance : {$22000.00} XXXX XXXX L XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX L XXXX Balance : {$22000.00} XXXX XXXX L XXXX Balance : {$18000.00} XXXX XXXX L XXXX Balance : {$52000.00} XXXX XXXX L XXXX Balance : {$32000.00} XXXX XXXX Balance : {$180.00}

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 explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am filling a formal complaint regarding inaccurate and unlawful credit reporting of a federal student loan by the U.S Department of Education and/or its servicer. This account continues to appear on my credit report despite being well beyond the 7-year reporting limit set forth by the Fair Credit Reporting Act ( FCRA ) 15 U.S Code 1681c ( a ) ( 4 ). 

Specifically : The balance as of XX/XX/year> is {$3000.00} with an original balance of {$4000.00}. 
The account is being reported as only 23 % paid, but the true opening and delinquency dates have been obscured. 
This loan has remained on my credit for over 15 years, far beyond the allowable timeframe, due to inaccurate or misleading date manipulation. 



I am requesting that the CFPB investigate this accounts reporting for compliance with : FCRA 605 ( a ) ( 4 ) limiting reporting of delinquent accounts to 7 years from the original delinquency, FCRA 607 ( b ) requiring accurate and complete reporting, and protections against unfair re-aging tactics designed to extend the reporting of negative information unlawfully.

I respectfully demand : Immediate deletion of this account from all credit bureaus, A full investigation into the reporting conduct of the data furnisher, Any necessary enforcement action to stop further violations.

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 2025-08-01 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 inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Names : 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 XXXXXXXX XXXX It has come to my attention that XXXX XXXX is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this 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 2025-08-01 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: GA

Complaint narrative:
XXXX XXXX, XXXX last XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit card opened up at XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX XXXX An auto loan account open with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX. A rental collection account was opened with the XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX Another rental collection account was opened with XXXX XXXX XXXX on XX/XX/XXXX under account the account number XXXX XXXX XXXX XXXX XXXX A collection with XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned account maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collection and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proff from the US federal trade commission that all of the aforementioned. consumer credit account, collections and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery ignores my concerns, and cease and desist letters. XXXX # XXXX and any other accounts, I have records of all disputes. 

I have issued a Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which prohibits further communication from your office regarding these accounts.

Despite your own acknowledgement in your response to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, that all referenced accounts are marked Cease and Desist, you have continued to send mailings attempting to collect on these alleged debts. This is a direct and ongoing violation of federal law. 

Furthermore, your letters fail to provide legally sufficient validation of the debts under 15 U.S.C. 1692g. Simply stating the alleged amount owed and internal account numbers is not verification. No original signed contract, full accounting history, or chain of title evidencing legal ownership of the debt has been provided.

You are also in violation of 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations. Your continued contact gives the false impression that these debts are fully verified and enforceable, which they are not. Additionally, you violate 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act by continuing collection activity without proper investigation and verification.

You are hereby notified once again to cease all communications regarding these accounts. Any further contact from your office, other than to confirm termination of all collection and reporting efforts, will be documented as willful noncompliance and may result in a formal complaint to the CFPB, FTC, Attorney General and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I keep getting multiple fees on my XXXX XXXX XXXX XXXX, of {$12.00} since XX/XX/year>, I disputed again XXXX XXXX, because it was shown on my statement for XXXX 4 times on XX/XX/XXXX, XXXX getting tired of calling and speaking with rude customer services who hang up on me, ad than tell me to call back, and they will reissue me another card, this will be the 3rd ard I'm going to get, I just want this XXXX to sit showing up on my systments, obously it's both the card because the new card had the XXXX on it again 4tines in one day?!

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 2025-08-01 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 recently reviewed my credit report because I am in process of buying a home. However, I noticed many unauthorized & inaccurate items on my credit report. I am disputing unauthorized information that appears on my credit report. I am requesting a full validation of the debt to confirm it legally belongs to me. If the debt can not be fully validated with original source documentation, I am requesting its immediate removal from my credit profile. Please note : verification is not the same as validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report because I am in process of buying a home. However, I noticed many unauthorized & inaccurate items on my credit report. I am disputing unauthorized information that appears on my credit report. I am requesting a full validation of the debt to confirm it legally belongs to me. If the debt can not be fully validated with original source documentation, I am requesting its immediate removal from my credit profile. Please note : verification is not the same as validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-08-01 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-01 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
I recently reviewed my credit report because I am in process of buying a home. However, I noticed many unauthorized & inaccurate items on my credit report. I am disputing unauthorized information that appears on my credit report. I am requesting a full validation of the debt to confirm it legally belongs to me. If the debt can not be fully validated with original source documentation, I am requesting its immediate removal from my credit profile. Please note : verification is not the same as validation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable 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 2025-08-01 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MN

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate personal identifying information. I have previously contacted the credit reporting agency to request a correction, but the incorrect information remains on my file. The inaccurate reporting includes names, addresses, or other identifying information that are not mine and should not be associated with my credit profile. This misinformation is affecting the accuracy of my report and could lead to confusion or misidentification. I have provided valid documentation to verify my identity and correct personal details, including a government-issued ID and proof of address.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding an account being reported by LVNV Funding LLC, a third-party debt buyer, on my XXXX credit report. 

The account lists : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Account Status : Collection account Date Opened : XX/XX/XXXX Balance : {$1100.00} as of XX/XX/XXXX I dispute the legality and accuracy of this account on several grounds : LVNV is a third-party debt buyer, not the original creditor. I have never signed any contract or agreement with this company.

This violates my commercial rights und

er UCC 3-603 ( b ) : no legal obligation remains without a verified, lawful claim. Under FCRA 1681s-2, the continued reporting of this unvalidated debt is deceptive and constitutes inaccurate furnishing of information. This company has failed to provide written validation of the alleged debt, in violation of 15 USC 1692g ( b ) of the FDCPA.

The original account was likely charged off before sale, meaning the balance has already been written offyet LVNV continues reporting it to cause derogatory impact on my file. 



I am invoking my right to accuracy under FCRA 1681i and demand : Immediate removal of this LVNV Funding LLC trade line from all consumer reporting agencies ; Full investigation into the reporting practices of LVNV ; Written proof of an original contract signed by me with LVNV, or deletion for unverifiable debt ; Enforcement actions against the furnisher for bad-faith re-reporting. 



I am asserting my commercial rights under UCC 1-308, reserving all rights and waiving none.

Company response to consumer: Closed with explanation