vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Upon reviewing my most recent credit reports ( TransUnion dated XX/XX/year>, and Equifax dated XX/XX/year> ), I discovered several accounts reporting false, incomplete, or unverifiable information that do not meet the FCRA standards for accuracy, fairness, and full verification. 


Requested Action I respectfully demand the immediate deletion of all the referenced negative accounts from my TransUnion and Equifax credit reports. Please require the credit bureaus and data furnishers to provide documentation proving the validity of each account including original signed agreements, itemized billing statements, and proof of assignment or remove the items entirely.

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 2025-11-13 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: FL

Complaint narrative:
I am submitting to formally dispute multiple inaccurate or outdated addresses listed on my credit report. Upon careful review, I have identified the following addresses as incorrect, no longer valid, or not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. Credit reporting agencies are required to conduct a reasonable investigation of my dispute and correct any information that can not be verified.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I took out a loan with LendingPoint ( Loan # XXXX ) for {$6800.00}. The account is listed as Completed, and I have already paid {$4700.00} toward this loan. 
Soon after, I consolidated my debts through a debt management program with XXXX. LendingPoint is the only creditor that did not accept XXXX proposed payment plan. Despite this, they agreed to accept payments directly. 
For the past two years, I have repeatedly contacted LendingPoint to work out the matter with XXXX. Each time, they stated they would cooperate but never followed through. On XX/XX/year>, I reached out to XXXX again to resolve the issue. XXXX attempted to contact LendingPoint, but no one at LendingPoint would speak with them. I then called LendingPoint directly, explained the situation, and emphasized that the matter needed to be resolved between LendingPoint and XXXX. LendingPoint still failed to take action. 
After these attempts, I checked my LendingPoint account and found that the balance now shows {$4000.00} owed, despite my previous payments totaling {$4700.00}. 
My husband is experiencing the same issue : he has paid {$5700.00} on his {$8000.00} loan, but LendingPoint is now claiming he owes {$8000.00}. 
This is unacceptable. LendingPoint continues to collect monthly payments while adding fees without proper notice. If not for these discrepancies, both loans would nearly be paid off by now. 
I am requesting an immediate investigation and resolution of this issue. LendingPoints actions appear misleading and unfair, and they are causing financial hardship by misreporting amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
TransUnion received my detailed written dispute on XX/XX/year>. Their XX/XX/year> investigation results did not address any of my specific requests. I asked for documentation supporting the alleged XXXX XXXX  debt, proof of assignment, information showing whether the debt was transferred from XXXX XXXX XXXX or XXXX XXXX XXXX, and an explanation for date changes and re-aging. TransUnions response did not provide any documentation, validation, or proof of creditor. They simply stated the furnisher verified electronically, which is not a proper investigation under FCRA 611 ( a ) ( 1 ).

They also failed to provide the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The same alleged debt was previously deleted when reported by XXXX XXXX XXXX, and TransUnion did not address that. They also added new dates ( Placed for collection XX/XX/year> and Date Updated XX/XX/year> ) without any explanation. The reporting remains inaccurate and unverifiable. I request CFPB enforcement and deletion of this tradeline.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Below please find dates of communication : XX/XX/XXXX - Sent a Debt Validation Letter to Midland Credit Management and they failed to comply with the requested documentation. They did not report anything to the credit bureaus ; so I assumed that everything was done. 
XX/XX/XXXX - I received notification from the company again, so I mailed another Debt Validation letter and they reported the unverified debt to all credit bureaus. They did not provide the requested documentation. 
XX/XX/XXXX - I received a letter from XXXX XXXX XXXX, XXXX representing Midland Credit Management regarding the alleged debt. On XX/XX/XXXX, I emailed them " Failure to Provide Complete Debt Validation, False Credit Reporting, and Harassment Violation ''. I received no response within 10 business days. 
XX/XX/XXXX - I sent another email to XXXX XXXX XXXX, XXXX following up with " Request for Permanent Deletion Due to Unvalidated and Falsely Reported Account ''. 
XX/XX/XXXX - I sent them an email " Failure to Validate Debt and Demand for Permanent Deletion '' because they did not respond within 5 business days. 

As of XX/XX/XXXX, the company has failed to provide any of the requested documentation. Despite their noncompliance, they continue to report the disputed account to XXXX XXXX XXXX XXXX, negatively affecting my credit profile. I did not mail the letters because their letter stated that disputes can be emailed to them at : XXXX. 

Also, this company continued reporting the credit bureaus after I sent the dispute even though the debt was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 2025-11-13 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 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 non-monetary relief
Consumer complaint received 2025-11-13 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: TX

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 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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by someone posing as a client named XXXX XXXX ( email : XXXX ) who offered me a freelance illustration job. He sent several checks to deposit into my Chase Bank account as upfront payment for the project. I deposited them through Chase mobile deposit, and Chase accepted them and made the full balance available almost immediately. 

The deposited funds appeared completely legitimate in my account. They showed as cleared and fully usable, with no holds, warnings, or restrictions. I had full access to the balance and no way to know the checks had not yet cleared. Because of this, I believed the checks were legitimate. I also completed the illustration work as agreed, believing the project and payment were legitimate. 

Following the scammers instructions, I sent {$1100.00} to a supposed printing company via XXXX from my XXXX XXXX account on XX/XX/year>, to cover part of the project costs. A few days later, Chase notified me that the deposited checks were counterfeit and restricted my account. I immediately reported the fraud to both Chase and XXXX XXXX. I also filed a related dispute with XXXX XXXX XXXX, since the outgoing XXXX payment was sent from my account there. I provided both banks with full documentation and reported the fraud immediately once Chase confirmed the deposited checks were counterfeit. 

I acted in good faith and relied on Chases representation that the funds were available. There were no alerts or disclosures indicating that the funds were unverified or subject to reversal. This caused me to unknowingly release funds to a scammer using what appeared to be legitimate, cleared money. I provided Chase with full documentation of the fraud, including emails and text messages showing the deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file

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 2025-11-13 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: SC

Complaint narrative:
I see that accounts that should not be on my credit report are still appearing and they have not been removed. I urgently ask that the documents I have attached be examined carefully so that I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is a third-party collection agency. I went to court regarding the debt owed and the judge dismissed this case without prejudice, so I did not have to pay the debt. I disputed the collection account with XXXX, and they have not removed this account from collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I am sending to formally dispute the reporting of late payments on the account listed as XXXX XXXXXXXX XXXX Account # XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I am sending to formally dispute the reporting of late payments on the account listed as XXXX XXXXXXXX XXXX Account # XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 2025-11-13 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: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-13 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: CA

Complaint narrative:
I am submitting this follow-up regarding inaccuracies on my credit report related to the XXXX XXXX XXXXXXXX account XXXX Account # XXXX ), which is reported with a balance of {$5000.00}. The account shows a Date of Last Activity of XX/XX/XXXX, and includes reported late payments for XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX  days late ) .Based on my personal records and payment history, these reported late payments are inaccurate and do not reflect the actual status of my account. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and correct these billing errors. 
I refer specifically to the following provisions of the FCRA : FCRA 1666 15 U.S. Code 1666 ( Correction of Billing Errors ) : This section requires creditors and credit reporting agencies to investigate and correct any inaccuracies in the reported account details, particularly regarding billing errors. 
FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information : This statute mandates that furnishers of information ( in this case, XXXX  XXXX XXXX XXXX promptly notify credit reporting agencies of any inaccuracies and update or correct the information once it has been verified.FCRA 611 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : Under this provision, credit reporting agencies are obligated to conduct a reasonable and thorough reinvestigation of any disputed items to ensure the accuracy of the information being reported. 
I have consistently maintained timely payments on this account, and the multiple late payments reported during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are unfounded and misleading. The inaccurate reporting of these late payments is negatively impacting my creditworthiness, making it more difficult for me to obtain necessary financial products and services.

Company response to consumer: Closed with explanation