vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant couXXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
This {$10000.00} account from Hunter Warfield, on behalf of XXXX XXXX XXXX XXXX XXXX, is being reported inaccurately on my credit report. The balance is connected to a burst pipe that occurred while I was a tenant, which was a property maintenance failure and not caused by me. When maintenance first responded to the flooding, they failed to properly shut off the water and had to return hours later to correct the issue. The unit also had pre-existing holes and damage that contributed to the water problem. The thermostat was consistently maintained at or above XXXX, in full compliance with lease requirements. 

The damage was caused by plumbing and maintenance failures that were the landlords responsibility. Despite this, XXXX XXXX XXXX issued a 5-Day Notice to Quit, which only lists unverified allegations and was never followed by a court judgment or legal determination of fault. This notice does not prove tenant negligence or legal liability. 

I have attached supporting documentation, including email correspondence with XXXX XXXX XXXX confirming their awareness of the maintenance issues and their approval for us to remain in the unit through XX/XX/year>. These records show we were cooperative and followed all procedures. 

This debt was later sent to collections and reported as valid, without verification or due process. This inaccurate account has severely harmed our ability to obtain housing. I am requesting a full investigation and removal of this tradeline from my credit report if the furnisher can not provide verified proof of legal responsibility or a court judgment establishing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block and permanently delete all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity-theft report. This request is made under 605B, not 1681i therefore, no reinvestigation is authorized. 

Continuing to report this fraudulent account violates the following provisions : FCRA 605B / 15 U.S.C. 1681c-2 : Requires immediate blocking and deletion of identity-theft accounts.

FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Reporting unverifiable or fraudulent data violates the maximum possible accuracy standard. 

FCRA 623 ( a ) ( 1 ) ( A ) : XXXX XXXX XXXX, as furnisher, is prohibited from reporting information known or believed to be inaccurate. 

Metro 2 Compliance : Identity-theft tradelines must be flagged XXXX ( disputed due to identity theft ) and subsequently deleted once validated.

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 2025-10-14 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 submitting this complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX XXXX, for repeated violations of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I have been disputing fraudulent charges totaling approximately {$11000.00} on my XXXX XXXX account for over XXXX years. Despite multiple documented attempts to resolve these billing errors through XXXX XXXX Support and XXXX XXXX, my account was closed and is being reported as delinquent / charged off to the credit bureaus. 

The creditor has never produced documentation proving I authorized these charges, nor have they completed a proper reinvestigation as required by law. Instead, they continue to furnish inaccurate information to ExperianXXXX XXXX XXXX XXXX  causing a credit-score drop of more than XXXX points. 

Additionally, XXXX XXXX current dispute process relies on an XXXX chatbot that terminates conversations, making it impossible to reach a human dispute specialist or obtain written confirmation of the investigation. This denies me my statutory right to fair billing review and direct human escalation. 

I request that XXXX XXXX XXXX XXXX : 1. Immediately delete or correct the inaccurate tradeline from all credit bureaus ; 2. Cease reporting this account as delinquent or charged off ; 3. Provide me written verification of all alleged charges and evidence of authorization ; and 4. Confirm in writing that the account is coded Consumer Disputes This Account.

Please treat this as a formal complaint under the FCBA and FCRA. I am requesting CFPB oversight to ensure compliance and removal of inaccurate information within the required timeframe.

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 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX XXXX, for repeated violations of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I have been disputing fraudulent charges totaling approximately {$11000.00} on my XXXX XXXX account for over XXXX years. Despite multiple documented attempts to resolve these billing errors through XXXX XXXX Support and XXXX XXXX, my account was closed and is being reported as delinquent / charged off to the credit bureaus. 

The creditor has never produced documentation proving I authorized these charges, nor have they completed a proper reinvestigation as required by law. Instead, they continue to furnish inaccurate information to XXXX XXXX XXXX TransUnion, causing a credit-score drop of more than XXXX points. 

Additionally, XXXX XXXX current dispute process relies on an XXXX  chatbot that terminates conversations, making it impossible to reach a human dispute specialist or obtain written confirmation of the investigation. This denies me my statutory right to fair billing review and direct human escalation. 

I request that XXXX XXXX XXXX XXXX : 1. Immediately delete or correct the inaccurate tradeline from all credit bureaus ; 2. Cease reporting this account as delinquent or charged off ; 3. Provide me written verification of all alleged charges and evidence of authorization ; and 4. Confirm in writing that the account is coded Consumer Disputes This Account.

Please treat this as a formal complaint under the FCBA and FCRA. I am requesting CFPB oversight to ensure compliance and removal of inaccurate information within the required timeframe.

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 2025-10-14 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: TX

Complaint narrative:
There are errors being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Re : Formal FCRA Dispute and Demand for Verification Dear Equifax Compliance Department, Under FCRA 607 ( b ) and 611, I dispute the accuracy and completeness of the following tradelines and inquiries. You must conduct an independent reinvestigation and obtain direct verification from each furnisher, not merely parrot their prior response ( XXXX v. 
XXXX  ). 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX Reporting Charge Off after closure contradicts Metro 2 Fields XXXX and XXXX. 
Disputed : All late months XXXX. 
Demand : Provide ledger and proof of each alleged late. Delete if unverified. 
XXXX. XXXX XXXX Acct # XXXX Missing payment history and inconsistent months reviewed data violate Metro 2 XXXX XXXX and XXXX. 
Disputed : All months marked late or charged off. 
Demand : Independent verification with primary documents or delete. 
XXXX. INQUIRIES XXXX XXXX XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PRA accounts ending in XXXX and XXXX and the balance of {$690.00} and a balance of {$810.00} Portfolio Recovery Associates , LLC ( PRA ) has failed to provide legally sufficient validation of the alleged debts they are reporting and collecting. Their response only references records provided by XXXX XXXX without providing any competent evidence, such as a signed contract, complete payment history, or chain of title proving ownership. 

PRA also admitted that the accounts are time-barred, meaning they can not pursue legal action. However, they continue to report and attempt collection, which misleads the consumer and violates CFPB Regulation F ( 12 C.F.R. 1006.26 ( b ) ), FDCPA 807 ( 2 ) ( A ), and FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information known to be incomplete or inaccurate.

Additionally, PRA has re-aged the accounts by changing the Date of Last Activity and/or Date Opened on the consumers credit reports. This falsely extends the time the negative accounts remain on file, violating FCRA 605 ( a ) and 623 ( a ) ( 2 ), which prohibit furnishing information with inaccurate dates that extend reporting beyond the seven-year limit. 

PRAs response fails to meet the standard of verification required under FDCPA 809 ( b ), which mandates that a collector must provide competent evidence that the debt is valid and owed by the consumer. Simply repeating the creditors claim does not satisfy this legal duty.

I am demanding full deletion of the unverifiable and time-barred accounts from all consumer reporting agencies. Their continued reporting constitutes willful noncompliance and negligent misrepresentation under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I disputed an LVNV Funding LLC account ( serviced by Resurgent Capital Services ) several times with the credit bureaus. LVNVs own letter says the account was charged off on XX/XX/XXXX, and acquired on XX/XX/XXXX. 
However, the tradeline is still being reported to XXXX XXXX XXXX XXXX as an open factoring company account with a recent Date Opened and Date Updated of XX/XX/XXXX. 

Thats inconsistent with their own records and appears to be illegal re-aging, extending the reporting period beyond what FCRA allows. 
Their letter also claims timely responses were provided and that a deletion request will be submitted, but no proof of investigation results or verification data was provided. 

These actions violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information 1681s-2 ( b ) ( 1 ) failure to conduct a reasonable investigation 1681c ( a ) ( 4 ) reporting obsolete accounts/ re-aging prohibition LVNV and Resurgent have not provided : The bill of sale or chain of title proving ownership The account ledger or original creditors Date of First Delinquency ( DOFD ) Copies of what they actually sent to the credit bureaus during reinvestigation Their inconsistent reporting, missing documentation, and ongoing verification after dispute all show a pattern of non-compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 was involved in a data breach with Equifax engagement number XXXX. 

15 U.S.C -1681c-2 pertains to blocking of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am submitting this complaint because Equifax, Experian, TransUnion is reporting numerous accounts and hard inquiries that are the result of Identity Theft and Fraud. This is a violation of the Fair Credit Reporting Act ( FCRA ).

> I demand that the following accounts and inquiries be immediately deleted from my consumer report, as they are not mine and were not authorized by me ( 15 U.S.C. 1681c-2 ) : > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX ) > * XXXX XXXX XXXX XXXX Acct # XXXX ) > * XXXX XXXX ( Acct XXXX XXXX ) > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXX XXXX  ( Hard Inquiry ) > * XXXX XXXX XXXX Hard Inquiry )

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 2025-10-14 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 am submitting this complaint because Equifax, Experian, TransUnion is reporting numerous accounts and hard inquiries that are the result of Identity Theft and Fraud. This is a violation of the Fair Credit Reporting Act ( FCRA ).

> I demand that the following accounts and inquiries be immediately deleted from my consumer report, as they are not mine and were not authorized by me ( 15 U.S.C. 1681c-2 ) : > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX ) > * XXXX XXXX XXXX XXXX Acct # XXXX ) > * XXXX XXXX ( Acct XXXX XXXX ) > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXX XXXX XXXX ( Acct # XXXX ) > * XXXX XXXX  ( Hard Inquiry ) > * XXXX XXXX XXXX Hard Inquiry )

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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-14 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: OH

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 response to consumer: Closed with non-monetary relief