vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: Rent Recovery Solutions
State: AL

Complaint narrative:
Under penalty of perjury, I affirm that the account you are reporting or attempting to collect is false, misleading, and inaccurate.

I have formally contacted the alleged debt collector and requested proper documentation verifying this debt, including the original application or agreement bearing my signature. To date, no such proof has been provided. Therefore, this account is being falsely and negligently reported in violation of multiple provisions under federal law, including : Violations of the FDCPA ( Fair Debt Collection Practices Act ) : 15 U.S. Code 1692d Harassment and abuse : I have been subjected to harassment, and this ongoing issue has caused emotional distress and trauma.

15 U.S. Code 1692j Furnishing deceptive forms : I am not involved in the collection of this debt and deny any authorization.

15 U.S. Code 1692g Failure to validate debt : No sufficient proof has been provided to validate the alleged debt, which you are legally required to do.

Violations of the FCRA ( Fair Credit Reporting Act ) : 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S. Code 1681i ( 5 ) Reinsertion of inaccurate information after dispute without certification.

15 U.S. Code 1681i ( 7 ) Improper method of verification.

15 U.S. Code 1681b Lack of permissible purpose : I never gave written consent to report this on my consumer file, which may constitute identity theft. 
Additionally, under the legal principle of estoppel by silence, as defined in XXXX v. 
XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may reasonably presume that no such debt exists if proof is not produced when properly requested.

This account may also be the result of the XXXX XXXX XXXX which further supports my claim that this entry is unauthorized and erroneous. Reporting such an account without verifying its origin is a direct violation of the FCRA.

DEMAND FOR IMMEDIATE ACTION : 1. 2. 3. 4. Immediately cease and desist from all collection efforts regarding this alleged debt.

Remove the account from all credit reporting agencies ( XXXX XXXX XXXX  ).

Provide me with a complete copy of all documents and records used to verify this debt, including the original signed lease or agreement. 
Confirm in writing within 15 days that this account has been deleted and that no further actions will be taken. 
Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I reserve the right to take further legal action for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NE

Complaint narrative:
I AM SUBMITTING THIS REPORT DUE TO FRAUDULENT ACCOUNTS APPEARING ON MY FICO SCORE. UNDER THE FCRA THIS IS UNLAWFUL. I WAS IMPACTED BY THE DATA BREACH AND DISPUTED MANY TIMES WITH THE CREDITORE REFUSING TO SHOW PROOF. HERE ARE ALL THE INQUIRIES I AM DISPUTING.XXXX, XXXX, XXXX, XXXX, XXXX, I DEMAND ALL THESE INQUIRIES TO BE REMOVED AND ALL THE FRAUDULENT ACCOUNTS ARE THE FOLLOWING, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. I AM DEMANDING ALL THESE ACCOUNTS TO BE REMOVED.

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 2025-07-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 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 2025-07-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2025-07-08 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 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 2025-07-08 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2025-07-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
On XX/XX/XXXX my rights as a consumer were severely violated. I called the police and reported the identity theft. I reported all of these accounts as negative and have attached the police report to this complaint so this way you see how serious and true these accusations are and how I am not responsible for these accounts : EXPERIAN CONTINUES TO REPORT THESE ACCOUNTS AS THEY ARE MINE WHEN CLEARLY THEY ARE NOT. I HAVE ALSO SENT THEM MY POLICE REPORT WITH A LETTER DATED XX/XX/XXXX. EXPERIAN REMOVED EVERYTHING BUT THE XXXX XXXX  ACCOUNT ACCT # XXXX WHICH IS NOT MINE AND IS INCLUDED IN MY IDENTITY THEFT POLICE REPORT. IN ADDITION THERE IS ALSO A XXXX  ACCOUNT WHICH STARTS WITH XXXX THAT IS REPORTING THAT IT IS MINE WHICH IT CLEARLY SHOWS IN THE POLICE REPORT THAT THIS IS ALSO IDENTITY THEFT. I NEVER TOOK OUT A VEHICLE WITH XXXX XXXX. 

PLEASE HELP ME PROTECT MY RIGHTS AS A CONSUMER AND CORRECT THIS INCORRECT INFORMATION REPORTING ON MY CREDIT FILE WHICH IS HOLDING ME BACK.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the BRCLYXXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) currently listed on my credit report. Upon reviewing my file, Ive identified multiple discrepancies in how this account is reported across the three major credit bureaus. 

These include but are not limited to : Conflicting open dates ( XX/XX/XXXX vs. XX/XX/year> ) Differing credit limits and high credit values Inconsistent last payment and activity dates Mixed payment history ( Charge-Offs vs. OK payments ) Varying dispute comments Contradictory account statuses These inconsistencies result in inaccurate, misleading, and unverifiable reporting, which is a violation of the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ).

As this account can not be consistently or accurately verified, I am requesting its full removal from my credit file. Please conduct a reinvestigation and provide a written response within the 30-day period as required by 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
This is the FIFTH Collection Agency to try and collect a debt that has NEVER been verified. This is not legal under the FDCPA.

Deceptive collection practices. 

Continue to attempt to collect and unverified debt. 

I have sent certified letters requesting debt verification and NONE have sent it back, yet it is on my credit. I have disputed with all the credit reporting agencies and they won't remove it. THIS IS ILLEGAL. 

LVNN Funding never received verification ever, still on my XXXX XXXX XXXX XXXX certified letter XXXX never received XXXX XXXX XXXX XXXX XXXX, requested verification by phone never received XXXX Resurgent Capital Services certified letter sent XXXX never received Top Line Collector requested verificatioin by phone never received. 

All are trying too collect a debt they don't own!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an account with Truist about a week or two ago. I submitted a payroll check through the mobile check deposit on XXXX because u missed the bank and the holiday made my check come on a Saturday and I worked on XXXX. I was emailed right after I submitted and told I would have a hold on my funds until XX/XX/year>. I have not paid my rent because of the holiday I couldn't cash my check and I can't get a direct deposit because that takes at least one pay period to go into effect so my next check should be through direct deposit. What I thought should be convenient for the customer has turned out to be a nightmare. I called and spoke with a representative as advised by the branch employees at the local Truist. I begged them to stop the check so that I can cash it and pay my rent. The representative could not provide me with a solution and the supervisor claimed they could not stop the check regardless of what the branch employee told me. I tearfully explained to her I am already late paying my rent and also have the physical live check in hand at the branch and it can be verified by simply scanning it. She refused to escalate or stop the payment and I am now behind on rent with a late fee that is now more than I can afford. On XX/XX/XXXX my landlord will file eviction papers. If he does I will be suing Truist for much more than that check.

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 2025-07-08 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I have previously disputed with 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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 : 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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 XXXX XXXX GA XXXX ACCOUNTS : BANKRUPTCY XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : XXXX

Company response to consumer: Closed with explanation