vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding the unlawful collection and reporting activities related to a XXXX XXXX. account ending in XXXX. 

XXXX has repeatedly assigned this same account to multiple third-party collection entities. The first was XXXX XXXX XXXX XXXX XXXX ( XXXX ), which later returned the account to XXXX after failing to provide proper validation of the alleged debt. Subsequently, XXXX reassigned the same account to RAS LaVrar , LLC, a law firm that is now attempting to collect under the language of the Fair Debt Collection Practices Act ( FDCPA ) as a debt collector. 

Upon conducting an independent investigation through the Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Licensing ), I confirmed that RAS LaVrar , LLC does not hold any active or valid consumer collection agency license required by Florida Statute 559.553 under the Florida Consumer Collection Practices Act ( FCCPA ). Therefore, RAS LaVrar , LLC is not legally authorized to perform debt collection activities within the State of Florida.

Despite lacking such license, RAS LaVrar , LLC sent me a formal debt collection notice dated XX/XX/year>, attempting to collect {$16000.00} on behalf of XXXX XXXX. The letter explicitly identifies the firm as a debt collector and demands payment or dispute by XX/XX/year>. 

These actions constitute clear violations of both federal and state law, including : FDCPA ( 15 U.S.C. 1692e and 1692g ) Misrepresentation and failure to provide proper debt validation before collection.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishing or maintaining inaccurate and unverified account information to consumer reporting agencies.

FCCPA ( Fla. Stat. 559.553 and 559.72 ( 9 ) ) Engaging in collection activities without the required state license and asserting a legal right to collect that does not exist.

FDUTPA ( Fla. Stat. 501.204 ) Deceptive and unfair business practices in connection with consumer debt. 

By delegating this account to an unlicensed entity, XXXX XXXX. has also violated its obligations under the FCRA and the FCCPA as a furnisher and principal, allowing an unauthorized third party to engage in consumer collection within Florida.

This situation has caused confusion, stress, and reputational harm, as my credit report continues to reflect disputed and unverified information while XXXX and its agents circulate the account among multiple collectors without providing proper documentation or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy required by law. These errors are causing ongoing emotional and financial distress, and I am deeply concerned about their continued presence on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My dispute to remove my forgiven student loan debt from my credit report was rejected by Experian for the third time on XX/XX/year>. I can not file another dispute or send the additional information I was able to obtain from XXXX, the loan servicer that assumed my debt, from XXXX. Additionally, TransUnion and Equifax would not allow me to file a dispute on their websites, stating that a dispute was already underway.

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 2025-10-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on XX/XX/XXXX. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor XXXX : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Creditor 2 : XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor 2 : XXXX XXXX, Date of Inquiry : XX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with Dennis v. BEH-1, LLC.

15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and Trust Co. of VA. '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''

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 2025-10-09 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-10 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
This account has been reported in error and is not mine.

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 2025-10-09 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: OR

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 explanation
Consumer complaint received 2025-10-09 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: OR

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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Debt verification letter, they are completely ignoring me after putting a collections on my credit. 

They are also not XXXX compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am writing to dispute inaccurate reporting on my XXXX XXXX XXXX account. It is reported as Charged Off yet shows an open balance, which is misleading and inaccurate. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), please update this account to Charged Off/ Closed with a XXXX open balance or delete it if it can not be verified. 
Please provide written confirmation of the results of your reinvestigation within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only information that is accurate, complete, and capable of being verified. I request that these entries be investigated, and if verification is not possible, they should be corrected or deleted.

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 2025-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint against multiple creditors and reporting agencies for reporting inaccurate, misleading, and unverifiable information on my credit report, which has caused significant harm to my financial standing. Despite my repeated efforts to resolve these issues with the relevant companies, the inaccuracies persist. 

Details of Inaccurate Reporting : Address Error : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong address listed on credit report. 

Incorrect Account Information & Late Payments : XXXX XXXX, Account ending XXXX, Opened XX/XX/XXXX Reported late payment of {$560.00} XXXX  Account ending XXXX, Opened XX/XX/XXXX Reported late payment of {$590.00} XXXX XXXX XXXX  Account XXXX, Opened XX/XX/XXXX Reported late payment of {$0.00} Erroneous Charge-Offs & Collections : XXXX, Account ending XXXX, Opened XX/XX/XXXX Wrongly reported as charge-off of {$0.00} XXXX XXXX & XXXX, Account XXXX XXXX XXXX XXXX XX/XX/XXXX Wrongly reported as charge-off of {$0.00} XXXX XXXX  Account ending XXXX, Opened XX/XX/XXXX Wrongly reported as charge-off of {$0.00} XXXX Account XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Wrongly reported as collection with {$5100.00} XXXX XXXX, Account XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Wrongly reported as charge-off of {$110.00} Unauthorized/Inaccurate Inquiries : XXXXXXXX XXXX XXXX  ( XX/XX/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  ) These inaccuracies have negatively impacted my creditworthiness, making it difficult for me to secure financial services, loans, and employment opportunities. I request the CFPB to investigate these matters promptly, enforce the correction or removal of inaccurate information, and hold the reporting entities accountable for failing to comply with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-10 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:
Despite multiple prior dispute attempts and evidence of fraud, the following negative accounts remain improperly listed on my credit report and must be immediately deleted to ensure compliance with federal law. 

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 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 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
I noticed inaccurate information on my credit report and I sent a letter to the company that is reporting the inaccurate information saying To Whom It May Concern : I dispute the accuracy of the referenced account as reported on my credit reports and demand verification/documentation showing your legal basis for the amount and status reported. 
Provide the following documents within 30 days : 1 A complete copy of the original contract and any signed retail installment contract showing my signature ; 2 An itemized ledger showing all payments, refunds, fees, charges, and application of payments ; 3 The date of first delinquency and the date of charge off ; 4 If a vehicle repossession is claimed, the repossession record ( report / inventory / receipt ) showing the vehicle identification number ( VIN ), date and place of repossession, and the party who performed the repossession ; 5 If the account was sold or assigned, provide the signed assignment/bill of sale showing chain of title and the date of transfer ; 6 Proof that XXXX is legally entitled to collect the full balance reported ; if another party currently owns the debt, provide the owners identity and proof of ownership. 
If you can not provide the requested documentation, you must cease reporting the account as owed and request deletion or correction with all credit reporting agencies. Also provide the contact details of any current owner or collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Regional Acceptance unlawfully ran my credit report via the XXXX  credit reporting agency. I never authorized Regional Acceptance to run my credit.Regional Acceptance violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The company will not let me access my accounts and said it would contact me in a week. This is unacceptable.

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 2025-10-09 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$1000.00} XXXX  XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$33000.00} XXXX XXXXXXXX XXXX # XXXX Opened XX/XX/XXXX -Balance {$670.00XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$380.00} FXXXX XXXX  XXXX -Date Opened XX/XX/XXXXXXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$2600.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX -Balance {$500.00} XXXX XXXX XXXX # XXXX -Date XXXX XX/XX/XXXX XXXX {$1900.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$610.00} XXXX INQUIRIES : EXPERIAN 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 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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collection account showing on my account and not mine

Company response to consumer: Closed with explanation