vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am reporting a fraudulent account listed by Credit Systems Intl Inc for XXXX XXXX XXXX XXXX in the amount of {$740.00}. This account was opened on or around XXXX XXXX XXXX, and reported as a collection. 
I am a victim of identity theft, and I never opened, authorized, or received utility services from XXXX XXXX at any location. This account was opened without my consent or knowledge, and it is not associated with me in any way. I have disputed this account with the credit bureaus, and I continue to request verification of the debt. To date, no documentation bearing my signature or proof of service has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Formal Dispute Victim of XXXX  Data Breach ( XXXX  ) and Request for Removal of Negative Items Dear XXXX, I am writing to formally dispute the accuracy of all negative and derogatory information appearing on my credit report. I have recently become aware that I was among those affected by the XXXX  data breach of XXXX, and I believe that this breach may have compromised my personal information and contributed to inaccurate or fraudulent reporting on my credit file. 

As a result of this data breach and the potential for identity theft, I dispute all negative items currently listed on my XXXX  credit report. I request that these entries be thoroughly investigated and permanently removed unless XXXX  can provide verified, written documentation directly from the original creditors confirming that these accounts were legitimately opened and authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) and FACTA, I am exercising my right to : XXXX. Request an immediate investigation into all negative or questionable accounts, inquiries, and collections currently shown on my credit report. 
XXXX. Have all unverifiable, inaccurate, or fraudulent items deleted from my report. 
XXXX. Be provided with written confirmation of the completion and outcome of this investigation within 30 days of receipt of this letter. 
XXXX. Receive a free updated copy of my corrected credit report reflecting any deletions or corrections made. 
XXXX. Place a fraud alert and/or credit freeze on my file to prevent further misuse of my personal data. 

For verification purposes, I have attached a copy of my government-issued ID and proof of current address. Please handle this matter with urgency and in compliance with all federal consumer protection laws. 

Thank you for your immediate attention. I expect written confirmation once these matters are resolved. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address ( utility bill, bank statement, or lease )

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 2025-10-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Account Dispute Acct # XXXX Dear LVNV Funding LLC, I am contacting you regarding a debt that has appeared on my credit report, which you have listed as being owed to LVNV Funding LLC. I am a California resident and am currently reviewing my credit reports to correct any inaccuracies. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX  Civil Code 1788 et seq. ), I am formally requesting validation of this alleged debt. 

Please provide the following documentation to verify the validity and ownership of this debt : The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemized accounting of all charges, interest, fees, and payments ; XXXX. A copy of the original signed agreement or contract that shows I am legally obligated to pay this debt ; XXXX. Documentation proving that LVNV Funding LLC is legally authorized to collect this debt or that it has been legally assigned or purchased ; XXXX. The date of the last payment made on the account ; and XXXX. Confirmation that the alleged debt is within the statute of limitations under California law. 


Until these documents are provided, I am disputing the validity of this debt in its entirety. You are not permitted to continue collection efforts or report unverifiable or inaccurate information to any credit reporting agency. If the debt can not be validated, I request that LVNV Funding LLC immediately cease all collection activity and remove this account from my credit reports with Experian, Equifax, and TransUnion, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please communicate with me in writing only at the address listed above. 
Thank you for your prompt attention to this matter. I expect your written response within XXXX  days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX

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 2025-10-24 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: LA

Complaint narrative:
EQUIFAX, EXPERIAN, AND TRANSUNION HAVE ENGAGED IN CONSPRIRACY TO COMMIT HARM TO A MINORITY CONSUMER, BY CHANGING MY NAME ONE AT A TIME TO DO DETRIMENTAL HARM TO MY CREDIT SCORES ON REPORTS FROM ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX. 

MY NAME ON ALL THREE FACTIOUS GOVERNMENT ENTITIES REPORTS SHOULD BE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX NOTHING ELSE SHOULD BE SHOWING!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 
Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 



18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev |next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth , Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX XXXX XXXX XXXX XXXX XXXX, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

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 2025-10-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: NJ

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 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 2025-10-24 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

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 2025-10-24 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: ND

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and unverifiable items on my credit report. The reporting of these items violates my rights under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX, the Fair Credit Billing Act ( XXXX ), and other consumer protection regulations. 

My credit report contains addresses that are not associated with me, including XXXX XXXX, XXXXXX/XX/XXXXXXXX and XXXXXX/XX/XXXXXXXX. These addresses are incorrect and have never been my residence. Additionally, there are numerous accounts reported inaccurately. XXXX XXXX shows XXXX charged-off accounts with balances of {$970.00} opened on XX/XX/XXXX and {$550.00} opened on XX/XX/XXXX, which are incorrect. XXXX Bank reports a late payment on an account with a high balance of {$1100.00} opened on XX/XX/XXXX, which is inaccurate. XX/XX/XXXXreports a charged-off balance of {$110.00} opened on XX/XX/XXXX, also incorrect. XXXX XXXX shows a falsely reported late payment on an account with a high balance of {$2600.00} opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and other accountsincluding XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/XXXX, and XXXXhave been reported with late payments, charge-offs, or collections that are not accurate. 

Furthermore, my credit report shows multiple inquiries that I did not authorize, including XXXX XX/XX/XXXXon XX/XX/XXXX, XX/XX/XXXXon XX/XX/XXXX, XXXX Card on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XX/XX/XXXXon XX/XX/XXXX. These unauthorized inquiries are illegal under FCRA XXXX ( a ). 

I request that all the above accounts, addresses, and inquiries be thoroughly investigated. Any inaccurate or unverifiable information must be corrected or removed immediately. I also request written confirmation of the results of the investigation and that all credit reporting agencies be notified to update my credit report accordingly. 

The continued reporting of these inaccuracies is causing significant harm to my creditworthiness, and I expect prompt compliance with 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 non-monetary relief
Consumer complaint received 2025-10-24 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 writing to formally file a complaint regarding multiple inaccuracies on my credit report, which have negatively impacted my creditworthiness and caused significant financial distress. These inaccuracies include wrong addresses, incorrectly reported late payments, charge-offs, and unauthorized inquiries. Despite my efforts to resolve these issues directly with the reporting creditors, the errors remain uncorrected. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to dispute inaccurate or unverifiable information, and I request the CFPBs assistance in enforcing these rights. 

The items in dispute are as follows : Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at this address. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never lived here, and its presence is misleading. 

Incorrectly Reported Accounts XXXX XXXX XXXX XXXX  High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Late Payment I have never been late on this account. 

XXXX XXXX XXXX High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrectly reported. 

XXXX XXXX XXXX High Balance : {$330.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrect. 

XXXX XXXX XXXX High Balance : {$490.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrect. 

XXXX XXXX XXXX XXXX  XXXX XXXX : {$530.00} | Date Opened : XX/XX/XXXX | XXXX This account was paid in full ; the charge-off is inaccurate. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrectly reported. 

XXXX XXXX XXXX XXXX High Balance : {$25000.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrect. 

XXXX XXXX XXXX XXXX High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrect. 

XXXX XXXX XXXX XXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX | Late Payment Incorrect. 

XXXX XXXX XXXX XXXX XXXX : {$15000.00} | Date Opened : XX/XX/XXXX | XXXX Account status is incorrect. 

XXXX XXXX Inquiries AmericanCR XX/XX/XXXX I did not authorize this inquiry. 

XXXX XX/XX/XXXX Unauthorized. 

Requested Actions I demand that the credit reporting agencies and all listed creditors : Immediately investigate and delete or correct all inaccurate addresses. 

Correct all accounts showing false late payments, charge-offs, or delinquent statuses. 

Remove all unauthorized or inaccurate inquiries from my credit report. 

Provide me with written confirmation of all corrections made. 

These inaccurate entries are causing measurable harm, including rejection of credit applications and potential negative impact on employment opportunities. I request the CFPB to enforce compliance with the FCRA and ensure these inaccuracies are rectified promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: WA

Complaint narrative:
They are calling me and leaving messages XXXX times a day. I attempted to resolve the debt with them and they emailed me a payment plan that was not agreed to and have not sent me proof that I actually owe the debt. They threatened legal action if I didnt agree to pay them a large sum up front and hung up on me multiple times when trying to figure out how to resolve the issue.

Company response to consumer: Closed with non-monetary relief