vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a bankruptcy record ( XXXX XXXX. XXXX ) that appears in my Experian credit report. After disputing this item on XX/XX/year>, Experian responded claiming the record was verified. 

However, I obtained an official written statement from the U.S. Bankruptcy Court for the XXXX XXXX XXXX Florida, dated XX/XX/year>, confirming that the court does not report, verify, or authorize information to credit reporting agencies. Therefore, Experians verification is invalid. 

In addition, the way Experian is reporting this bankruptcy is inconsistent with how it is being reported by XXXX  and XXXXthere are discrepancies in the court name, reference number, and other details. This clearly violates my right to accurate and verifiable information under FCRA 1681e ( b ) and 1681i. 

I also requested, as allowed under 1681i ( a ) ( 7 ), a full description of the procedures used by Experian to verify the information. No such description was provided, nor was any source documentation presented.

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 2025-04-23 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: OK

Complaint narrative:
I reviewed my Experian credit report and discovered two XXXX XXXX XXXX XXXX accounts incorrectly showing late payment remarks. Both accounts reflect a {$0.00} balance and {$0.00} past due amount, yet they are inaccurately flagged as late. These inconsistencies are damaging my credit profile and were reported without supporting documentation or proper verification. I have not received any correspondence from XXXX XXXX or Experian to justify these remarks. I previously submitted disputes, but the inaccurate data remains. This misreporting is a clear violation of the Fair Credit Reporting Act, which requires all information to be accurate and verifiable.

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 2025-04-23 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to remove the following reports from my account. My name is XXXX XXXX! I am a victim of Identity Theft and I need the listed item removed. The accounts listed below are inaccurate and need to be deleted from my profile as it is inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and have enclosed copies of the FTC Identity Theft Affidavit. The following are negatively impacting my account and I need them to be removed now more than ever, due to false review of my report. I request immediate deletion after this attempt.. Thank you, please understand that this matter needs to be handled with time sensitivityI urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to remove the following reports from my account. My name is XXXX XXXX! I am a victim of Identity Theft and I need the listed item removed. The accounts listed below are inaccurate and need to be deleted from my profile as it is inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and have enclosed copies of the FTC Identity Theft Affidavit. The following are negatively impacting my account and I need them to be removed now more than ever, due to false review of my report. I request immediate deletion after this attempt.. Thank you, please understand that this matter needs to be handled with time sensitivityI urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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. 

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 2025-04-23 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection/Charge Off ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received my Equifax XXXX XXXX and Noticed an unauthorized Fraudulent account I didnt open. I filed and mailed Equifax the report with my id and sscard picture. 

Account : XXXX XXXX XXXX. 
XXXX Date reported XX/XX/year> please remove item from my report within XXXX  days to avoid legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
I previously filed a complaint regarding an alleged debt, and the company responded through the CFPB portal. However, the response provided by LVNV/XXXX  does not meet the legal requirements for debt validation under 15 U.S.C. 1692g ( b ) of the FDCPA. Billing statements and self-generated summaries do not qualify as validation. They failed to produce a signed original agreement or chain of assignment proving their right to collect this alleged debt. 

Additionally, they violated FCRA 1681e ( b ) by updating and using address information pulled directly from my disputewithout proper validation first. This constitutes a failure to ensure the maximum possible accuracy of my credit file. 

Their response also does not satisfy their obligation under FCRA 623 ( b ) to investigate and accurately report disputed information. Updating account data while maintaining negative reporting without sufficient verification is unlawful. 

I am formally disputing this account again and demand that it be deleted from all consumer credit reports due to failure to validate and violations of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You are hereby formally notified, under federal law, of a fraudulent account being reported on my credit file. This is not a request. This is a legal demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FCRA 605B, you are legally obligated to block and remove this account within four ( 4 ) business days of receiving this notice. Failure to comply would constitute a direct violation of federal lawnot a discretionary oversight. This account is not only inaccurateit is fraudulent, and your continued reporting of it constitutes a deliberate violation of your duty to report only accurate, verified data. 
Under FCRA 611 and 1681i, any attempt to verify this account must be supported by formal, sworn documentationsigned, dated, and originating from the original creditor. Internal notes or unverifiable data will be treated as an outright violation of FCRA obligations. Reproducing unverifiable data does not constitute verificationit is a violation of your obligations under FCRA 1681i ( a ) ( 1 ) ( A ) and 611, which require you to conduct a reasonable reinvestigation and ensure the accuracy of information. 
If you fail to act within the required timeframe, I will proceed with formal complaints to the CFPB, FTC, and my state Attorney General, and I am fully prepared to pursue legal litigation in U.S. federal court for willful noncompliance and statutory damages. You are on notice. Govern yourself accordingly. 
Creditor name : XXXX XXXXXXXX XXXX Account Number : XXXX date opened XX/XX/year> amount : 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Failure to Honor Debt Discharge ( 1099-C ) Dear CFPB, I am submitting this complaint against Bridgecrest Acceptance and XXXX for failure to update credit reporting information in compliance with federal laws following lawful discharge of debt through IRS Form 1099-C . 

On XX/XX/year>, I submitted a Form 1099-C for cancellation of the debt, which was accepted by the IRS and delivered to Bridgecrest Acceptance via certified mail on XX/XX/year>. I also called on XX/XX/year>, Bridgecrest said they received it and will update the account. Still not updated.

Despite lawful cancellation, the account continues to be reported as an active derogatory item by credit reporting agencies, namely XXXX XXXX  and XXXX. This conduct violates FCRA 623 and constitutes a failure to correct information once
provided with notice of discharge.

Attached are copies of the IRS 1099-C, certified mail proof of delivery, and credit report screenshots. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
on XX/XX/year> i closed XXXX credit cards due to monthly charges, aspire and verve. aspire closed my card as i asked. verve however did not close my account. a month later they stated i owed XXXX i had my mother give me a check for XXXX, verve cashed this check XX/XX/XXXX, XXXX i assumed my i was done as i paid the bill in full an then the XXXX a few months later in XXXX i recieved a bill from verve stating i was late on my payment. i called verve and stated i was recording the call, they did state i did close my account on XX/XX/XXXX, XXXX i asked why i was being charged and was now XXXX  days late. my XXXX XXXX went from XXXX to XXXX it took me XXXX years with XXXX missed payments.i did not miss any payments to verve. i closed my account in XXXX of last year, then payed the XXXX they stated i owed. i then called experian and filled a dispute with them, they responded my account was still open and all was good. experian did not even listen to me. my account should be closed as of XX/XX/XXXX XXXX my credit has now been tarnished. i made a XXXX report to experian, i also will make XXXX XXXX transunion an exifax. verve credit card company has stated to me on record my account is indeed closed, but told experian it is still open. i was XXXX  days late according to verve. i payed the XXXX that i did not owe, but i paid it anyhow to try to make this matter go away. i was also told by experian that i needed to make a report to the federal trade commision, which they directed me to this consumer financial prot bureau on my report the company is known as tbom, it is the only company i have a late charge on. again, i have recorded a conversation with verve saying my account was closed on XX/XX/year>.

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 2025-04-23 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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. 

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