vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I am filing this complaint because XXXX is continuing to report a tradeline from Resurgent Capital Services/ LVNV Funding LLC with the original creditor listed as XXXX XXXX XXXX XXXX despite failing to receive any verifiable documentation from the original creditor. 

I initially disputed this account on XX/XX/year>, providing proof that Resurgent and LVNV had not produced any original records or payment history from XXXX XXXX XXXX XXXX. The only material provided during the reinvestigation was an internally generated account summary created by Resurgent not a document originating from XXXX XXXX XXXX XXXX. 

This internal summary contains no account statements, payment records, or evidence from the original creditor. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), XXXX is required to conduct a reasonable reinvestigation and delete any information that can not be verified with original documentation. 

I followed up with a Notice of Noncompliance on XX/XX/year>, demanding that XXXX obtain actual XXXX XXXX XXXX XXXX XXXX by XX/XX/year>, or delete the tradeline. XXXX has since responded by refusing to delete the unverifiable tradeline, despite having no proof of the debt. 

This constitutes a willful violation of the FCRA because XXXX continues to report information that has not been verified by the original creditor and has disregarded documentary evidence that the furnisher ( Resurgent/LVNV ) can not substantiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
I requested on multiple occasions for debt verification never got anything in return to show it was owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am following up on my prior dispute regarding inaccurate and unverifiable items reported on my credit report. Despite my initial request, these entries remain on my credit file, continuing to misrepresent my financial history and negatively impact my creditworthiness. I am writing to formally demand the permanent removal of these items, as they can not be verified and are reported in violation of federal law. 
The account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX is listed as charged off, yet no valid XXXX or other supporting documentation has been provided to confirm the debt. Reporting an unverified debt of this magnitude constitutes a direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates that all consumer information reported to credit bureaus must be accurate, complete, and verifiable. Because no verifiable proof of this debt exists, it should never have been reported on my credit report. Its continued presence is misleading, damaging my reputation, and creating a false narrative regarding my financial responsibility. 
Additionally, my credit report contains multiple unauthorized inquiries, including : 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 XX/XX/XXXX These inquiries were conducted without my knowledge or consent and therefore violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence on my credit report constitutes an unlawful invasion of my privacy and an inaccurate representation of my credit activity. They must be permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I reported it and did a dispute it .. Nothing was solve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Original Lender XXXX XXXX XXXX XXXX Name Date Assigned XX/XX/year> XX/XX/year> Original Balance {$830.00} Current Balance {$830.00} Responsibility Individual Status Comments Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Reporting Repossessions month after month from XXXX to XXXX. That extends the statue of limitations and that is a misrepresentation of my credit report the car was only repossess XXXX time. This violates my consumer laws 15 U.S Code 1681 S-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this expedited follow-up complaint regarding continued violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion. Despite prior disputes, the bureaus have failed to correct or verify multiple inaccurate, outdated, and unauthorized entries, violating FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 604 ( a ) ( 3 ) .Experian continues to report inaccurate information, including the obsolete address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MA XXXX, and unverifiable late close accounts such as Bank of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Multiple unauthorized inquiries remainXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and otherswithout proof of permissible purpose. The {$290.00} Collection XXXX account and several charge-offs ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) remain unverifiable. The XXXX XXXX ( {$9200.00} ) shows as Profit and Loss Write-Off despite no IRS Form 1099-C, making it misleading and incomplete.Equifax and TransUnion mirror these violations, reporting outdated addresses, the same unverifiable accounts, and unauthorized inquiries. Both also reinserted previously deleted data without consumer notice, violating FCRA 611 ( a ) ( 5 ) ( B ) .These recurring errors cause ongoing harm to my creditworthiness and demonstrate systemic noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies and unverifiable information appearing on my credit file. Despite prior disputes and documentation I have provided, outdated personal information, inaccurate late payments, and unverifiable accounts continue to appear, causing harm to my credit reputation and violating the Fair Credit Reporting Act ( FCRA ) .A collection account originally listed under XXXX XXXX A ( account number XXXX, balance {$2700.00} ) continues to appear despite being unverifiable. This account should have been deleted under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or reasonably believed to be inaccurate. Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] requires proper reinvestigation and deletion of unverifiable information, which has not been completed. 
Several outdated addresses remain listed in my file, including XXXXXXXX XXXX XXXXXXXX, MA XXXX and XXXX XXXX, XXXX, MA XXXX, while my correct and current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. These outdated addresses create a risk of misidentification and violate FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ).

Additionally, multiple charge-off and collection accounts remain inaccurately reported despite being unverifiable or already resolved. These include : XXXX XXXX ( XXXX, {$490.00} ) COLLECTION ( original creditor COLLECTION, XXXX, {$2700.00} ) XXXX  XXXX  ( XXXX, {$1100.00} ) Several high-balance accounts are also inaccurately listed as Charge-Off or Profit and Loss Write-Off, including XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, and others exceeding {$600.00}, with no IRS Form 1099-C issued. Reporting these debts without verification or ongoing collection is misleading and violates FCRA 607 ( b ) and 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this third follow-up regarding an inaccurate and unverifiable account that continues to appear on my credit report. Despite my previous disputes, the following entry remains on my file, continuing to misrepresent my financial history and harm my creditworthiness. I am formally demanding the permanent removal of this account. 
Late Closed Account XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX This account is reported as Late Closed without verifiable documentation supporting delinquency or closure. Its continued reporting is inaccurate, misleading, and damaging to my credit reputation. Reporting unverified accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. Because this account can not be verified, it must be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting unverifiable items is unlawful and exposes your bureau to liability under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2.I am following up regarding an unauthorized credit inquiry that continues to appear on my credit report despite prior disputes. This inquiry was conducted without my consent, authorization, or permissible purpose, and it is negatively affecting my credit profile. I am formally demanding the permanent removal of the following inquiry : Unauthorized Credit Inquiry XXXX XXXXXX/XX/year> This inquiry was performed without my permission, in violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 605B / 15 U.S.C. 1681c-2. Its presence on my credit report is unauthorized, misleading, and harmful to my creditworthiness. Because it was conducted without consent, it must be permanently removed. 
Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and authorized. Unauthorized inquiries violate federal law and must be immediately and permanently removed to ensure compliance with 15 U.S.C. 1681b, 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ) regarding the inaccurate reporting of the following account : XXXX XXXX, Account # XXXX, Balance Owed : {$0.00}. Despite the account reflecting a XXXX balance, it continues to be reported as a charge-off, which misrepresents my payment history and overall creditworthiness. Under FCRA 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and under FCRA 1681i, they are required to reinvestigate any disputed information in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed activities on account XXXX reported by XXXX XXXX XXXX with Experian on XX/XX/year>. I requested the reinvestigation procedure per 15 U.S.C. 1681i ( 7 ), which must be provided within 15 days. Experian did not respond until XX/XX/XXXX timeframe stating the account will remain until XX/XX/year>. This violates the Fair Credit Reporting Act ( FCRA ). The account is a collection that has been sold and re-reported, making it inaccurate under 15 U.S.C. 1681e ( b ). I am requesting the CFPB investigate Experian and XXXX XXXX XXXX for FCRA non-compliance and require deletion of the inaccurate collection account. They also did not validate or send any documentation regarding validation of the account. Im request them to delet, cease and desist on a collection activites.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have contacted this company previously to request an immediate cease and desist from sending me any correspondence in regard to a debt that I have never owed. They have sent constant harassment emails, phone calls, and upon speaking with earlier this year I requested them to provide any lease agreement or contractual obligation they have between myself and them giving the alleged agreement date of XXXX years ago XXXX XXXXXXXX XXXX They have sent multiple efforts to lure me into agreeing to a bogus far lower amount than what they initially threatened me with. I have provided the necessary documentation with no response, and this company has pursued on and off falsely for an extended period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an entry from Kinum Inc regarding a debt allegedly owed under my name. This letter is a formal request for validation and verification of that debt, as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and contact information of the original creditor ( including the agency or county that established the child support order ).

2. The exact amount you claim I owe and an itemized breakdown of any interest, penalties, or fees.

3. Proof that I am legally obligated to pay this debt, including any relevant court order or signed agreement.

4. The date of the alleged debt and date of last payment.

5. Verification that your agency is authorized to collect this debt and that it is being reported accurately to the credit bureaus. 

Until you provide proper validation of this debt, please cease all collection and reporting activities to any credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

If you can not provide the requested documentation, I expect that this account will be deleted from my credit report immediately and that I will receive written confirmation of that deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am disappointed to say that I have found errors and omissions in the reporting of my credit information, which are required to be accurate and thorough under FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. Despite this, I have not received the level of information verification, evaluation, and confirmation that I expect within a reasonable time frame. It is disheartening to find that my credit history and related information have not been validated or reported correctly. As a consumer, I have the right to request factual, truthful, verifiable, and compliant data to be placed on my credit report and for any mistakes to be permanently fixed. I also need assurance that each creditor has a legitimate basis for all queries on my credit record by investigating the origins of each account. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. 

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