vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: MS

Complaint narrative:
This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them. 
If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : XXXX XXXX XXXX XXXX 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 2025-08-23 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: MS

Complaint narrative:
This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them. 
If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credit Resource Management opened a collections account for XXXX in XX/XX/year>, which is not my account. I also had a company XXXX XXXX direct deposit a fraudulent check into my savings account in the amount of {$930.00} which resulted in my online banking being restricted. 

I am the victim of identity theft and filed a report with the FTC ( Report # XXXX ) and Identity Theft. Gov ( Reference # XXXX ). I also included unauthorized credit checks from XXXX in these reports and would like my credit reports corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I am a confirmed victim of the XXXX Equifax XXXX XXXX and filed an identity theft report with the FTC ( Report # XXXX ). On XX/XX/XXXX, I sent TransUnion a written request pursuant to Fair Credit Reporting Act XXXX demanding permanent blocking and deletion of fraudulent accounts and inquiries within XXXX ( XXXX ) business days. 
Fraudulent accounts I requested to be blocked : XXXX XXXX XXXX XXXX XXXX XXXX ) - {$1300.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$1300.00} collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - {$2500.00} charge-off XXXX XXXX Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$680.00} collection Fraudulent inquiries I requested to be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I provided all required documentation including the FTC Identity Theft Report, XXXX  XXXX Breach XXXX notice, government-issued ID XXXX and XXXX of address. Under FCRA 605B, TransUnion was required to block these items within XXXX business days of receiving my letter. 
VIOLATION : It has been over XXXX business days since XXXX  received my letter, and I have received no response whatsoever. This is a clear violation of FCRA 605B, which mandates blocking of information within XXXX business days upon receipt of a proper identity theft report.

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 2025-08-23 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
The Consumer Reporting Agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX  ) are each violating the Fair Credit Reporting Act ( FCRA ) by maintaining inaccurate, incomplete, and misleading tradelines in my consumer credit files. This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Despite multiple disputes, the CRAs have : Failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ; Reinserted or continued to publish inaccurate information without proper certification under 1681i ( a ) ( 5 ) ; Ignored evidence of discharge, transfer into trust ownership, or non-collectibility of debts ; Relied on furnishers who themselves are in violation of 1681s-2 ( b ) by failing to investigate. This is not an isolated mistake. It reflects a systemic breakdown of CRA procedures which Congress explicitly sought to prevent when it enacted the FCRA. The law requires maximum possible accuracy, not mere minimum compliance. Courts have consistently held that inaccurate reporting of charge-offs, discharged debts, and uncollectible accounts violates the FCRA. The CRAs actions have caused and continue to cause irreparable harm, including : Denial of housing and credit opportunities ; Increased costs of borrowing and insurance ; Damage to my professional and personal reputation ; Emotional distress and loss of economic opportunity. These harms can not be remedied by money damages alone once false data is published, the damage is ongoing. In equity, this is equivalent to a cloud on title, which courts will not permit to persist. CRAs are federally regulated entities. Their failure to maintain accuracy and reinvestigation procedures undermines the integrity of the entire consumer reporting system, and by extension, the banking and credit markets regulated by the OCC, FTC, and CFPB. If CRAs are permitted to ignore 1681e ( b ) and 1681i ( a ), then every consumers access to fair credit is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Denefits LLC
State: MN

Complaint narrative:
DENEFITS LLC XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  I have never applied for an account with this company. I request copies of all documentation to validate the account. I challenge the authenticity of the account being legitimate. Accordingly, I request the account to be deleted permanently!!! 

PLEASE DELETE ACCOUNT # XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.

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 2025-08-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LVNV Funding LLC and the nationwide credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) by failing to properly reinvestigate and correct disputed information on my credit reports. 

The accounts in dispute are as follows : LVNV Funding LLC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX. ) Account # : XXXX Balance : {$1200.00} LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$2100.00} LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Balance : {$520.00} Despite submitting disputes, these accounts continue to appear across all three credit bureaus with inconsistent, inaccurate, and misleading reporting, including but not limited to : Conflicting account types ( reported as Open Account, Installment, and Debt Buyer simultaneously ). 

Conflicting statuses ( XXXX shows no payment status, while XXXX and XXXX XXXXeport Seriously past due / in collections ). 

Incorrect dates of activity ( different Date Last Active across all three bureaus ). 

Misleading XXXX XXXX coding indicating open accounts when they are collections. 

Failure to update as disputed in violation of FCRA 623 ( a ) ( 3 ).

These discrepancies demonstrate that no reasonable reinvestigation was conducted as required by FCRA 611 ( a ) ( 1 ) ( A ). The reporting is not only inaccurate, but also materially misleading, and has already caused me financial harm, including denial of credit opportunities. 

Requested Relief : I am requesting that the CFPB take immediate action to : Compel XXXX XXXX XXXX XXXX to permanently delete or correct the disputed LVNV Funding LLC accounts. 

Investigate LVNV Funding LLC for its role in furnishing false, inconsistent, and incomplete data in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

Require all parties to provide me with written verification of compliance and corrections. 

Impose enforcement and penalties if necessary to ensure full compliance with federal law. 

Enclosed are supporting documents, including my prior disputes, credit reports, and evidence of conflicting reporting. 

I respectfully request the CFPBs intervention to enforce my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
Inaccurate late payments have been reported on my credit file for several federal student loan accounts serviced by XXXX ( formerly XXXX XXXX ). These negative entries appeared after the federal student loan forbearance period ended, yet I was never provided proper notice that repayment was resuming. I did not receive any communication via email, phone, or postal mail regarding upcoming due dates or any changes to the deferment status of my loans. 
When I later contacted XXXX to address this issue, they confirmed that my loans were still in deferment status at the time the reported delinquencies occurred and updated my contact information accordingly. Despite this, late payments remain on my credit reports and continue to negatively impact my credit standing. 
This problem is consistent with nationwide reports of borrowers not being properly notified when the federal forbearance period ended, which the Consumer Financial Protection Bureau ( CFPB ) has acknowledged as a systemic issue.

FCRA 602 ( A ) ( 1 ) Consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting late payments during an active deferment period violates this obligation.

FCRA 607 ( b ) CRAs must follow reasonable procedures to assure accuracy. The continued reporting of inaccurate late payments despite evidence to the contrary demonstrates noncompliance.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute inaccurate or incomplete information and demand a reinvestigation. Failure to correct or remove these entries after reinvestigation would violate this section.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information ( XXXX XXXX ) may not furnish information to CRAs if they know or have reasonable cause to believe it 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 2025-08-23 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: IL

Complaint narrative:
Inaccurate late payments have been reported on my credit file for several federal student loan accounts serviced by XXXX ( formerly XXXX XXXX ). These negative entries appeared after the federal student loan forbearance period ended, yet I was never provided proper notice that repayment was resuming. I did not receive any communication via email, phone, or postal mail regarding upcoming due dates or any changes to the deferment status of my loans. 
When I later contacted XXXX to address this issue, they confirmed that my loans were still in deferment status at the time the reported delinquencies occurred and updated my contact information accordingly. Despite this, late payments remain on my credit reports and continue to negatively impact my credit standing. 
This problem is consistent with nationwide reports of borrowers not being properly notified when the federal forbearance period ended, which the Consumer Financial Protection Bureau ( CFPB ) has acknowledged as a systemic issue.

FCRA 602 ( A ) ( 1 ) Consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting late payments during an active deferment period violates this obligation.

FCRA 607 ( b ) CRAs must follow reasonable procedures to assure accuracy. The continued reporting of inaccurate late payments despite evidence to the contrary demonstrates noncompliance.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute inaccurate or incomplete information and demand a reinvestigation. Failure to correct or remove these entries after reinvestigation would violate this section.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information ( XXXX XXXX ) may not furnish information to CRAs if they know or have reasonable cause to believe it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
CBNA XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.eXXXX XXXX XXXX  and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

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 2025-08-23 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: MO

Complaint narrative:
Dear TransUnion, I am writing to formally request the blocking of certain information on my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605C ). I am victim of credit Debt bondage & XXXX XXXX and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block adverse information that resulted from XXXX XXXX 

The debts, accounts, and derogatory information appearing on my credit file are the direct result of coercion, fraud, and financial exploitation during my XXXX  situation. These accounts were opened and used without my free and voluntary consent, and therefore should not be held against me. 

I am requesting that TransUnion block, remove, and permanently suppress all information on my credit report within 4 to 7 days. The account are as followed. 



XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 


XXXX XXXXXXXX XXXX  # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 


XXXX XXXX XXXXXXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 



XXXX FIN Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. 



XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$600.00}. 


XXXX  account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX account # XXXX and a balance of {$250.00}. 


Collection account from XXXX XXXX with account # XXXX and a balance of {$490.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief