vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
1. LVNV Funding LLC ( 2 Accounts {$750.00} & {$420.00} ) I am disputing two collection accounts being reported by LVNV Funding LLC. I sent a written request for validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 611 ). LVNV has failed to provide any signed contracts, itemized balances, or original account-level detail.

The continued reporting of these accounts, without valid proof, violates FCRA 623, which requires furnishers to report only accurate, verifiable information. I am requesting immediate removal of both accounts from my credit report due to failure to validate. If the accounts can not be verified, they must be deleted under the law. Please investigate and ensure compliance. 



XXXX. XXXX XXXX ( XXXX Accounts {$580.00} & {$610.00} ) I am disputing XXXX collection accounts from XXXX XXXX. I submitted written validation requests, as permitted under FDCPA 809 ( b ), but received no supporting documentation. This includes lack of signed agreements, full billing breakdowns, and legal transfer of debt ownership.

Under FCRA 611, a consumer has the right to dispute inaccurate or unverified accounts. XXXX XXXX has failed to comply with this obligation and is currently in violation of FCRA 623. I am requesting that these accounts be deleted from my credit reports due to non-verification, in accordance with federal law. 



XXXX. XXXX XXXX XXXX XXXX ( {$1400.00} ) I am filing a formal complaint against XXXX XXXX XXXX for reporting an unverified debt. I exercised my right to request validation under FDCPA 809 ( b ), and no sufficient evidence was provided no contract, no billing details, no verification from the original creditor.

The continued furnishing of this account is a violation of FCRA 623. I am requesting this account be fully deleted from my credit reports, as it can not be verified. Under FCRA 611, the bureaus and furnishers must delete unverifiable information after a proper dispute investigation.

Why Deletion Is Legal : Under FCRA 611, if a company cant verify a debt during a reinvestigation, it must be deleted not just marked disp
uted or paid.

Under FDCPA 809 ( b ), if you request validation and dont receive it, collection must stop including reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NM

Complaint narrative:
I am submitting this complaint because the XXXX XXXX XXXX account ( account number ending in 1998 ) is being reported inconsistently across the XXXX major credit bureaus. 

Experian shows the account as Current account/ was delinquent XXXX  days, TransUnion shows it as Paid or paying as agreed despite listing late payments, and Equifax shows it as Pays account as agreed despite also listing a late status. The status and payment history do not match across the XXXX reports, making it unclear which information is accurate. 

I am requesting a fair and thorough investigation of this account and its status across all credit bureaus. If the creditor can not provide accurate, verifiable documentation for these inconsistently reported late payments and status details, I ask that the account be corrected or removed from all three credit reports, as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In XXXX XXXXXXXX, I submitted a completed FHA Partial Claim workout packet while my father ( a co-signer ) was still living. The servicer at the time, XXXX XXXX, instructed us to use an online notary service since my fathers POA lives in XXXX. We followed their instructions and submitted the paperwork. 

Shortly afterward, the documents were denied specifically because they were notarized onlineeven though that was the method XXXX told us to use. Within days, my father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. After that, there was no way to re-sign anything, and I lost all ability to move forward with the workout. 

Since then, I have been completely blocked from making payments by phone or online. XXXX refused to speak with me due to the pending probate status and because I am represented by a legal aid attorney. The loan has since been transferred to Mr. Cooper ( subservicing for Lakeview ), and I am now under review again after submitting a new application for mortgage assistance on XX/XX/XXXX. 

I live in the home with my wife and XXXX children and have been on XXXX since XXXX. I am doing everything I can to resolve this, but Ive been unable to make payments, get answers, or fix the situation despite multiple attempts. I was accepted for reinstatement through the XXXXXXXX XXXX XXXX XXXX program in XXXX, but that program was paused due to funding issues. 

Im requesting that the servicer be required to review this fairly, explain the original denial, and allow me a chance to bring the loan current through the FHA workout that was originally offered. Ive never received a full explanation or a way forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
In XXXX, I submitted a written request for debt validation to Portfolio Recovery Associates LLC after receiving their initial communication. They failed to respond or provide the required documentation. Rather than addressing my request, they recently issued another summons in XX/XX/XXXX, repeating the same demand without validating the debt. 

After I appeared in response to the summons, Portfolio Recovery Associates, represented by XXXX XXXX XXXX ( their file XXXX  : XXXX ), sent another letter offering a settlement and stating they would move forward with litigation if I did not respond. This continued collection activitywithout proper validationappears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request that this matter be reviewed and appropriate action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Account Reference No. XXXX / Original Account Ending in XXXX Original Creditor : XXXX Bank XXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity and continued reporting of the above-referenced account that appears on my credit report. I am requesting that this debt be deleted immediately from my credit file with all credit reporting agencies. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights as a consumer to : XXXX. Dispute the accuracy and completeness of this account, which I do not acknowledge, recognize, or have agreed to be liable for. 
XXXX. Request full validation of the debt, including : o A signed contract or agreement bearing my signature with XXXX Bank XXXX XXXX ; o Full chain of custody documentation showing how XXXX XXXX XXXX came into legal ownership of this debt ; o Proof that XXXX XXXX XXXX is licensed and authorized to collect debts in the state of Florida ; o A full payment history, including the breakdown of the current balance of {$5300.00}. 
Simply sending general billing statements or generic documents is not sufficient proof of ownership or liability under the FDCPA. Until such documentation is provided, this debt remains unvalidated and should not be reported on my credit file. 
If you can not fully validate the debt, you are required to cease collection activities and remove this account from all consumer credit reporting agencies ( ExperianXXXX XXXX, and XXXX ). 
Please also be advised that continued reporting of inaccurate or unverified information to the credit bureaus constitutes a violation of the FCRA and may result in legal action. This letter serves as my formal notice of dispute. 
I request written confirmation of the outcome of your reinvestigation and removal of this account from all consumer reporting agencies. This dispute should also be forwarded to the credit bureaus per 15 U.S. CXXXXe XXXX ( a ) ( XXXX ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Phone : XXXX Email : 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 2025-06-25 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:
Complainant : XXXX XXXX XXXX XXXX Subject : Failure to Provide Verification Procedures and Continued Reporting of Inaccurate Personal and Account Information I, XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued reporting of inaccurate personal and account information on my credit file, and the failure of the credit reporting agency to comply with the requirements under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a dispute requesting corrections and a detailed explanation of the reinvestigation process, in accordance with 15 U.S.C. 1681i ( 7 ). I also requested the contact details of the furnishers involved and the documentation relied upon. As of this filing, I have not received adequate responses or the legally required verification details.

Violations of the FCRA : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accurac
y 15 U.S.C. 1681n and 1681o : Civil liability for willful or negligent noncompliance Disputed Items Still Unresolved : Incorrect Personal Information : Multiple incorrect name variations, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple incorrect addresses, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA ( and 10+ others listed in the original complaint ) Incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just wanted to let you know that I personally submitted the necessary dispute letters as part of my efforts to correct some issues I noticed on my credit report. Im fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and Ive been handling the process directly and responsibly. To my knowledge, no one else has submitted complaints or disputes on my behalf without my permission. If theres any confusion or specific concerns about a submission, Id be happy to clarify or provide any details needed.

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 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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