vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX and 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 2025-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported item misstates my financial practices. Please evaluate the data and update it to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
There has been inaccurate reporting on my consumer report regard late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing the following accounts, inquiries, and late payments due to inconsistencies or unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXXXXXX XX/XX/XXXX {$53000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} BANKRUPTCY XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc.
State: CA

Complaint narrative:
Driver iQ is reporting adverse employment information from XXXX  on my background report. 
Under FCRA 605 ( a ), adverse information more than XXXX XXXX XXXX is obsolete and can not legally be reported. 
The information Driver iQ is reporting is XXXX XXXX XXXX and should not appear on any employment background report. 

I disputed the information directly with Driver iQ, but they have not removed it and are not responding to my attempts to resolve the issue. Their refusal to respond or correct the report is preventing me from gaining employment, which is causing financial harm. 

Driver iQ is violating the following FCRA provisions : FCRA 605 ( a ) by reporting obsolete information FCRA 611 by failing to properly process my dispute FCRA 611 ( a ) ( 6 ) by failing to communicate the dispute results FCRA 616 and 617 due to willful and negligent noncompliance causing financial damages I am requesting : XXXX. Immediate deletion of the obsolete XXXX  employment item XXXX. A corrected copy of my Driver iQ report XXXX. Written proof of deletion XXXX. Confirmation that the furnisher was notified This outdated information is blocking me from employment and causing real financial harm. I need immediate federal intervention to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF Accounts XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$400.00} XXXX  XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX  XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XX/XX/XXXX {$800.00} These accounts contain several inconsistencies when compared with the other XXXX bureaus. I am requesting verification and correction. 

INQUIRIES XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please verify or remove them. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These late payments appear inaccurate and should be reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
Kindly accept this communication as formal notification of my dispute regarding the referenced accounts. I am not associated with them and did not consent to their setup. I request their removal and a thorough review. Documentation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am a consumer seeking to address issues regarding my credit report. Below are the accounts that I am disputing across the XXXX major credit bureaus. These accounts include charged-off accounts, inquiries, positive accounts, and late payments. 

Charged Off Accounts : XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$3500.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX - XXXX, XX/XX/XXXX, {$110.00} XXXX - XXXX, XX/XX/XXXX, {$120.00} XXXX - XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Positive Accounts : No positive accounts in dispute. 

Late Payments : 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Phone calls that never leave voicemails during work hours and after hours. 

Does not tell me how much the debt is or who the debt specially is for

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am requesting a reinvestigation of the following accounts that are inaccurately reported on my credit file. The accounts listed XXXX not be properly reported according to the Fair Credit Reporting Act ( FCRA ) and require review and correction. 
Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$930.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$14000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$5300.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$4300.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$280.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$900.00} XXXX XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
The company stated they would reset dates to XXXX XXXX, XXXX. They have lied to me again. I just called the XXXX XXXX XXXX, and this manipulative and deceitful company has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am filing a complaint against LVNV Funding LLC / Resurgent Capital Services for reporting a fraudulent collection account on my credit reports. The account number ends in XXXX, and they claim it originated from XXXXXXXX XXXX XXXX. I never opened this account, never authorized it, and have no relationship with LVNV or Resurgent. 

I requested validation and verification of this debt. To date, no original contract, signed agreement, statements, or proof of ownership has been provided. They continue to furnish inaccurate information to the credit bureaus without proper validation, which is a violation of the FCRA and FDCPA. 

I am requesting immediate removal of this fraudulent collection account from all credit bureaus and an explanation of why they are reporting information they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
The information in question does not align with my actual financial practices. I request a formal review and correction where applicable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX : XXXX  ; ( Plaintiffs Counsel : XXXX XXXX XXXX, XXXX. Stillman Law Office ) I am formally disputing the accuracy, validity, and completeness of an account XXXX XXXX XXXX XXXX XXXX ( XXXX  ) is attempting to collect and report. The alleged balance is {$590.00}, originally attributed to XXXX XXXX XXXX  XXXX XXXX ), Reference # XXXX, with an alleged account ending in XXXX. I dispute this debt in its entirety. 

XXXX  used a wrong and outdated address for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is not my address, has never been my address, and caused me to receive no legally required notices. 

My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because they used the wrong address, I did not receive validation notices, debt information, billing history, or any disclosures required under the FDCPA and CFPB Regulation F. 

I have no verified relationship with XXXX XXXX XXXX or any debt purchaser, and I was not provided proper notice of this alleged account by XXXX  or XXXX XXXX XXXX. 

Under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681 et seq. ), I requested full validation of this account. Specifically, I requested : Original credit agreement or contract Full itemized accounting showing how the {$590.00} balance was calculated Forward Flow Agreement proving legal sale of the account Full chain of title / assignment documents Complete payment history Validation notice ( FDCPA 1692g ) Notice of default or intent to collect Proof the debt is within the XXXX  statute of limitations Credit reporting authorization All prior dispute investigation records ( FCRA 1681i ) To date, I have not received any of these required documents. 
Instead, I received generic, automated letters that do not constitute lawful validation. 

Because the debt remains unsubstantiated, XXXX  continued attempts to collect or report it violate : FDCPA 1692g ( b ) ( collecting without validating ) FCRA 1681e ( b ) & 1681s-2 ( b ) ( reporting inaccurate or unverified information ) Regulation F ( failure to substantiate before collection ) Case law confirms that unverifiable or inaccurate accounts can not lawfully remain on my credit reports, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX the original XXXX XXXX XXXX Cardmember Agreement includes a mandatory arbitration clause, and I elected arbitration. XXXX ignored my arbitration election and instead filed a lawsuit, which is improper under the Federal Arbitration Act. 

Given the wrong address used, failure to validate, unlawful reporting, and disregard of arbitration rights, I am requesting CFPB assistance.

Company response to consumer: Closed with explanation