vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
This is a follow-up complaint to ensure that TransUnion and XXXX  thoroughly reinvestigate the late payment entry reported on my credit report for the XXXX XXXX account ( ending in XXXX XXXX XXXX XXXX XXXX ) with a reported date of XX/XX/year>. The account currently shows a past due amount of {$0.00}, yet the late payment notation remains, which is inaccurate and misleading. Given the age of this entry and the fact that the balance and past due amount are reported as XXXX, it raises serious questions about whether the late payment status is properly verified and whether the information is complete and accurate.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to conduct a reasonable reinvestigation of any disputed information. The bureaus must verify with the furnisher that the late payment is both accurate and complete. Moreover, 15 U.S.C. 1681e ( b ) requires the agencies to maintain maximum possible accuracy in all reported data. The persistence of a late payment status on an account with XXXX balance and no past due amount suggests either a failure in investigation or negligence in data handling. Additionally, this could be a byproduct of potential data breaches that compromise the integrity of consumer information, which further necessitates rigorous verification.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am filing this complaint due to LexisNexis Risk Solutions Consumer Center continued reporting of unverified information about bankruptcy, which is in violation of the Fair Credit Reporting Act and Metro 2 Standards. Case Number : -Case Number : XXXX Court : -U.S. Bankruptcy Court , XXXX XXXX XXXX XXXX  Filing Date : XX/XX/2019 The bankruptcy in question was discharged and should not be reported as active. The FCRA ( 15 U.S.C. 1681 ) requires that credit reporting agencies verify disputed public records through data furnishers. However, bankruptcy courts do not furnish data to credit bureaus, and your verification through XXXX  does not satisfy legal requirements under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Someone pretended to be someone I know and a company that I know as well XXXX and they scammed me out of my account when I called my bank they closed my account and denied the claim when I have proof they scammed me and showed everything all amounts of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
XXXX XXXX has repeatedly contacted me to collect a debt, " we are trying to collect a debt you owe LVNV funding '', with little to no information about the debt initially. It's obvious they are a third party who is spamming anybody they can find online that matches the name they are looking for, with NO due diligence to ensure the person they are contacting is the person who has the debt. In the last attempt, they included enough information, including the home address, that had they spent 10 seconds researching my name and email, they'd know it isn't me. I finally called them, after wasting precious hours of my life researching, including LVNV ( who you can't contact ), and I want to give them as little info as possible, because how do I know they just won't backfill whatever the complaint is with my information and say, " oh yeah, it's you! "? We settled on the last four of my social, and they confirmed it isn't me, and said they won't contact me anymore. But I've received an email about this from another collector on the same issue ( can't remember the name ) offering a discount to settle a debt they have no reason to believe I owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for continued reporting of inaccurate, unverifiable, and inconsistent information on my credit report, despite previously disputing the accounts in question. This is now a Round 2 dispute, and TransUnion has failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Specifically, the following accounts are being reported incorrectly : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported as Open by TransUnion while Closed on other bureaus. The remark Placed for Collection and Was 90 Days Late 19 Times are unverified and remain without any Method of Verification. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is marked as Open on TransUnion and Closed on other bureaus. There has been no resolution to my previous dispute, and derogatory remarks remain despite no validation. TransUnion failed to verify the accuracy and continues to report misleading and inconsistent information. 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also shows a status conflict across bureaus. TransUnion lists it as Open with a charge-off and 90-day lates that were never verified. No documentation or Method of Verification has been provided. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an Authorized User on this account and hold no financial responsibility, yet TransUnion is reporting this tradeline with negative remarks including Charge-Off and multiple late payments. This violates FCRA 1681b and Metro 2 standards which prohibit the reporting of derogatory data on authorized user accounts.

Laws Violated : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681s-2 ( b ) : Failure to correct or delete inaccurate data FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification XXXX XXXX Uniform Reporting Guidelines

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 2025-05-23 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for continued reporting of inaccurate, unverifiable, and inconsistent information on my credit report, despite previously disputing the accounts in question. This is now a Round 2 dispute, and TransUnion has failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Specifically, the following accounts are being reported incorrectly : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported as Open by TransUnion while Closed on other bureaus. The remark Placed for Collection and Was 90 Days Late 19 Times are unverified and remain without any Method of Verification. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is marked as Open on TransUnion and Closed on other bureaus. There has been no resolution to my previous dispute, and derogatory remarks remain despite no validation. TransUnion failed to verify the accuracy and continues to report misleading and inconsistent information. 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also shows a status conflict across bureaus. TransUnion lists it as Open with a charge-off and 90-day lates that were never verified. No documentation or Method of Verification has been provided. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an Authorized User on this account and hold no financial responsibility, yet TransUnion is reporting this tradeline with negative remarks including Charge-Off and multiple late payments. This violates FCRA 1681b and Metro 2 standards which prohibit the reporting of derogatory data on authorized user accounts.

Laws Violated : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681s-2 ( b ) : Failure to correct or delete inaccurate data FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification XXXX XXXX Uniform Reporting Guidelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent Experian letters requesting them to remove old addresses of my credit report in XXXX and I have yet to see a change on my credit report. 

I am asking for them to remove the following addresses : Old address that needs to be removed. 
XXXX XXXX XXXX XXXX, MD XXXX This one is a duplicate address. This one should be removed. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I was involved in a legal case in XXXX XXXX, Texas, which was resolved as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) through a 90-day deferred adjudication starting on XX/XX/year>. There was no conviction, no plea of guilt, and no finding of guilt. 

Despite this, a background screening company ( Checkr or XXXX ) included this case in a way that misrepresented the outcome, implying a criminal conviction. As a result, I was denied employment. 

I submitted a formal dispute to the screening company with supporting court documentation showing the correct disposition. I also provided my ID and proof of address. However, the company failed to correct or clarify the report in a timely or accurate manner. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), which requires that information reported by consumer reporting agencies be accurate and not misleading. I am requesting that this matter be reviewed and corrected, and that the company be held accountable for the harm caused to my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
hope this message finds you well. I would like to express my sincere gratitude for your assistance in resolving the late payment issue for XX/XX/year>. I truly appreciate the support and understanding you have shown throughout this process. 

However, I recently noticed that a late payment has been reported for XXXX, which I believe to be incorrect. To provide some context, I had a 60-day deferment agreement with Capital One, which allowed a 60-day window without making a payment. Despite this agreement, both a 60-day and a 30-day late payment were reported. While one late payment has been removed, it still reflects one month as late, which should not be the case based on the agreement. I hope this makes sense, but this definitely should not be on my record given my previous agreement with Capital One. 

Again, I want to express how grateful I am for your help so far, and I truly value your continued support in resolving this issue. I hope we can get this matter fixed soon, as it would really help maintain my credit standing. The only place where it has been taken off is on XXXX. They have been removed but on XXXX XXXX XXXX they still remain and should not be there Thank you once again for your assistance and understanding. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was on a monthly payment plan with Ally Bank for my credit card, where I made lower, agreed-upon payments. Despite following this plan and making all payments on time, Ally Bank reported four late payments to the credit bureaus. This is incorrect and misleading because I was meeting the terms of the payment arrangement they approved.

Under the Fair Credit Reporting Act, creditors must report accurate and complete information. Reporting late payments while I was actively on a payment plan goes against this requirement and doesnt reflect the reality of my account.

Ally Bank accepted the reduced payments and knew about the plan. I never received any notice that they would still report these payments as late. These inaccurate late marks have hurt my credit score unfairly.

I am asking Ally Bank to remove these four late payment records from my credit reports with XXXX XXXX XXXX XXXX I also want them to update the account to show that it was under a formal payment plan and to stop reporting any inaccurate delinquencies that negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
According to FERA Section 605B it is illegal to report anything on my Credit Report without my permission. Please remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account, which you claim originated with ( XXXX XXXX ) Please be advised that, according to my records, this debt is beyond the statute of limitations for legal collection in my state ( [ XXXX  ] XXXX. Therefore, you are legally barred from suing or threatening to sue me for this alleged debt. 

Furthermore, continued attempts to collect on this time-barred debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally request that Jefferson Capital Systems : 1. Cease all collection efforts on this account. 
2. Immediately delete all references to this account from all credit reporting agencies. 

This letter is not an admission of liability or a promise to pay. It is simply a formal request that you comply with state and federal laws regarding expired debts and credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: FL

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 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 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 explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed that there was inaccurate information on my credit report. I have filed a ftc report to report the fraudulent information being reported on my credit report.

Company response to consumer: Closed with non-monetary relief