vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Transunion. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. 


XXXX 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$580.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5300.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$2000.00} SINCE XXXX BEEN REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. XXXX XXXX XXXX HAVE FOUND IT TO BE FRAUD AND HAS DELETED FROM MY CREDIT REPORT BUT EXPERIAN. I WAS HOMELESS IN XXXX TO THE YEAR XXXX THERE IS NO WAY I OPENED THIS ACCOUNT.MY PERSONAL INFO WAS LEAKED ALL OVER SOCIAL MEDIA AND SHARED.

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 2025-05-13 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-13 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest Customer Service, I am writing to formally request clarification regarding my account, which was recently charged off. As you are aware, when a creditor cancels or forgives a debt of {$600.00} or more, the IRS generally requires the issuance of a Form XXXX for tax reporting purposes. To date, I have not received a XXXX for the charged-off account, and I would like to understand why it has not been provided. If the debt has truly been canceled or forgiven, I respectfully request that you issue a XXXX in accordance with IRS regulations XXXX If the account has not been forgiven and you still consider the debt collectible, please provide clear documentation reflecting this status. I would appreciate a timely response so I can accurately report my taxes and ensure compliance with IRS guidelines. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I was contacted via mail and email and phone for XXXX XXXX  who claimed lvnv funding the creditor my account for XXXX XXXX XXXX which was a scam in and of itself if a credit card is already had a judgment against me on in court assigned them my account now they sent me letters proving this so I paid off my debt making payments on time on a lowered agreed upon amount and it was paid in full. On the XXXX of last month XXXX XXXXXXXX XXXX  out of XXXX XXXX XXXX Iowa filed an execution against me in court I tried to reply that it was already paid and my requests were being retracted in the XXXX for the Iowa courts online and so I called a lawyer of mine who had handled the case prior to ask which type of motion I needed since mine kept getting retracted. He offered to file and reach out to gurstel law firms attorney XXXX XXXX XXXX and three my lawyer called back saying that he had to file w the attorney general and that I probably got frauded by XXXX and lvnv funding as well in an email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information being reported on my Experian credit report under the account listed above by XXXX XXXX. 

This dispute is being submitted in accordance with the Fair Credit Billing Act under 15 U.S. Code 1666 and 15 U.S. Code 1666b, as well as the Fair Debt Collection Practices Act under 15 U.S. Code 1692g. 

The account in question reflects a total amount of {$250000.00}, comprising the following amounts : {$25000.00} ; {$6000.00} ; {$260.00} ; {$5000.00} ; {$2800.00} ; {$9100.00} ; {$5400.00} ; {$10000.00} ; {$9700.00} ; {$25000.00} ; {$2700.00} ; {$3800.00} ; {$25000.00} ; {$24000.00} ; {$9500.00} ; {$5700.00} ; {$4800.00} ; {$5000.00} ; {$2800.00} ; {$240.00} ; {$13000.00} ; {$24000.00} ; {$4000.00} ; and {$26000.00}. 

However, this account was approved for full forgiveness under the XXXX XXXX XXXX XXXX as of XX/XX/year>. Therefore, the reported balance and collection status are inaccurate, misleading, and incomplete under the Fair Credit Reporting Act ( FCRA ). Furthermore, under 15 USC 1692g, any collector or data furnisher must cease collection activity until debt validation has been provided when requested. 

Attached are the following documents to support my dispute : A copy of the XXXX XXXX XXXX XXXX approval ( if available ). 

Please respond in writing to the address listed above. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-13 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: CA

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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$9200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Chaplin & Papa, P.C.
State: NC

Complaint narrative:
Details of the Complaint : On XX/XX/year>, I received a full discharge of debts through a bankruptcy filing in the XXXX XXXX XXXX North Carolina. One of the debts included in that discharge was a balance of {$8600.00} owed to XXXX XXXX Bank. This debt is no longer legally collectible. 

Despite this, I was recently illegally and improperly contacted by Chaplin XXXX XXXX  a debt collector based in XXXX, Virginia. They attempted to pursue collection on the very debt that had already been cleared in a court of law. 

This is not just an oversight. This is a flagrant violation of the federal bankruptcy discharge order. A simple PACER search would have revealed that the debt was discharged. Chaplin & XXXX either : - Failed to do the most basic due diligence, - Willfully ignored court records, or - Operate under a business model that preys on consumers who they assume will not push back. 

Their contact with me was unwanted, unlawful, and distressing. I consider their action a clear violation of the Bankruptcy Code, specifically 11 U.S.C. 524, and also possibly the Fair Debt Collection Practices Act ( FDCPA ).

I request that : 1. An investigation be initiated into Chaplin & XXXX actions, 2. They be held accountable and penalized if found to be in violation, 3. And if possible, I be considered for compensatory damages for their illegal harassment and disregard of federal law. 

Consumers should not have to endure shady collection tactics after going through the difficult and legally protected process of bankruptcy. This was not an honest mistakeit was inexcusable negligence at best, deliberate abuse at worst. 

Thank you for your attention to this matter. 

Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina Date of Discharge XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Complaint Summary ( to enter on the CFPB site ) : I am disputing a charged-off account from XXXX XXXX XXXX XXXX ( Acct : XXXX ). The account shows a {$280.00} write-off and continued derogatory payment reporting, despite being closed and paid. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I request that this information be fully verified or removed from my credit report. 

As established in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ), credit reporting agencies and furnishers must conduct a reasonable investigation beyond matching name and account number. The payment history continues to reflect derogatory late payments and a charge-off long after the account was paid and closed in XXXX, which is inaccurate and misleading. 

Per 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to correct or delete any unverifiable or incorrect reporting after notice of a dispute. I am providing this notice through CFPB.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MS

Complaint narrative:
This company has been hounding me for a while now, and since it got sold to Jefferson Capital systems a couple of years ago, it hasn't stopped. They aren't even legally allowed to collect from the state I'm in. I wrote up a letter stating that fact, and will be sending it off to them this week. The amount is well under XXXX. The original creditor was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today, XX/XX/year>, I was purchasing airline tickets on the XXXX XXXX website when I saw an offer from Citibank, that would result in {$400.00} off my current purchase, as a statement credit, if my application was accepted. 

My application was accepted within XXXX minutes. I received a text requiring me to verify that I had indeed applied -- as soon as I sent 'Yes ' I received another text that said I had been accepted. However the application website then closed out and there was no way to know how to use the new credit card to pay for the tickets and get the {$400.00} statement credit. I also received an email ( see XXXX attachment ) saying that I had been approved. 
I tried to call XXXX of the Citibank numbers but the representative said there should have been some link in the website. There was no such link. I also tried a chat with a different department but they confirmed what the email had said, that I would have to wait till I got the physical cards and that the {$400.00} credit could only be used for subsequent purchases from XXXX XXXX during the next 6 months. This is not what is prominently displayed on their website. ( see XXXX attachment ). We have excellent credit ; to be accepted within an hour of application proves that, as do my credit bureau scores of over XXXX. The credit limit they have given me is also proof, since it is much higher than what we need for the airline tickets.

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 2025-05-13 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: NC

Complaint narrative:
I submitted two formal written disputes to Experian ( on XX/XX/XXXX and XX/XX/year> ) regarding inaccurate, unverifiable, and incomplete information appearing on my credit report. These included accounts from : - XXXX XXXX ( XXXX ) Charged-off without verification or signed contract. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) Charge-off with inaccurate balance and status, no documentation provided. 
- XXXX XXXX XXXX debt buyer reporting a collection account without proof of assignment or original agreement. 
- XXXX XXXX XXXX XXXX XXXX late payments without validating any of them or providing notice of delinquency. 

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I requested : - Original signed contracts, - Detailed payment histories, - Evidence of charge-off validity, - Proof of legal ownership ( in the case of Portfolio Recovery ), - Documentation showing that the reported statuses were correct and current.

In both rounds of disputes, Experian failed to provide any documentation or meaningful investigation. They merely updated or marked the accounts as verified without substantiation.

This violates multiple sections of the FCRA, including : - 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation.

- 609 ( a ) ( 1 ) : Failure to disclose documentation in the file.

- 623 ( b ) : Failure of data furnishers to correct inaccurate information.

- 602 ( a ) : Reporting of incomplete and outdated information.

I am attaching my two dispute letters and the XX/XX/year> Experian report, which confirms these accounts continue to be reported improperly, with no documentation or corrections applied. 

I respectfully request the CFPB to : 1. Require Experian to remove all unverifiable or incomplete items, 2. Demand documentation from the furnishers or order deletion, XXXX. Investigate Experians failure to comply with federal consumer protections.

This complaint is filed in good faith and supported by legal grounds and evidence.

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