vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX Alleged Balance : {$620.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account. 

Validation Required Provide a legible copy of the original signed contract, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from XXXX XXXX XXXX XXXX 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company is not reachable. I've tried to contact them but have gotten no resolution from their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM WRITING IN REGARDS TO THESE INACCURATE ACCOUNTS THATS BEEN REPORTING ON MY CONSUMER REPORT, I HAVE SENT A CERTIFIED LETTER TO THE BUREAUS AND STILL HASNT HAD A RESPONSE YET ITS BEEN OVER 30 DAYS THIS IS EFFECTING MY LIVELYHOOD BEING THAT I CAN NOT MOVE DUE TO THESE ERRONIOUS ACCOUNTS THE BUREAUS ARE POSTING REGARDLESS OF THE ACCURACY THUS VIOLATING THE FCRA AND FDCPA

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : Unknown, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I called Navy Federal because I seen that the credit card expiration date was going out. I called to request a new card to be sent out and this is when I was made aware that the account would be closed. I am not sure as their reason for closing the account Because since Ive had the account since XXXX  I have never been late or missed a monthly payment on the account. I find it ironic that you make monthly payments on an account for XXXX consecutive years never missing a payment and then they decide that they want to close the account. They actually took the money from my Credit account or rather from my checking account without my permission and I asked them to put the money back because it was to cover my bills. If they were going to close the account then once the account officially closed, then set up a payment plan with me so that I could pay the card completely off. For the first time since having this account, I have been reported XXXX  days late and I am not XXXX  days late. They made a decision to close the account so I dont understand how they can make a decision to close the account and still consider the account XXXX days past due. They did not give me a reason why they were closing the account and being that Ive never missed the payment nor been late with a payment. it is hurtful. I explained to them that I was paying off other Credit and paying off cards with higher balances first then I will be able to focus on paying more on this account to get their balance down and they were not willing to work with me to do that. I would like a XXXX  day mark removed and I would also like Credit for paying this account consecutively for XXXX years without missing one payment. Take those XXXX years worth of payments and put them toward the total balance or reopen the card because out of fairness I have not forfeited the card contract. Ive never missed the payment nor have I ever been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was effected by the XX/XX/year> Data Breach at Transunion

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 2025-09-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
I am writing this complaint because I recieved a letter stating that I have a balance owed to XXXX. Im assuming this is due to the taxes that were owed on the car. However, I understood when we repurchased a lease that they included this remaining balance into our new lease?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
This account was disputed and the outcome of the dispute showed that this account should not be reporting to my credit report. However, once the case was closed the account reappeared on my report when its not accurate and shouldnt be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
On XX/XX/year> my birthda

y KRAKEN committed theft by swindle and fraud and stole {$150.00} cash deposit for buying crypto currency XRP which my account is currently open and they are prospering from on my {$150.00}. I demanded KRAKEN return my money and close my account but they refused and locked my account permanently for no reason. I told KRAKEN I AM filing a police report, and contacting the Consumer Financial Protection Department and notif
ying the FBI.

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 2025-09-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Deletion/Reinvestigation of XXXX XXXX XXXX XXXX XXXX Compliance Department,\n\nI am writing to formally dispute the accuracy and legality of the XXXX record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681i and other applicable laws.\n\nThe following item is being reported inaccurately and/or without proper verification:\n\nPublic Record Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy Dispute Basis:\n\nLack of Direct Verification: The FCRA requires that all information in my consumer file be verified with the original source. XXXX  are not reported directly to you by the court; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.\n\nNo Consumer Reporting Authorization: XXXX XXXX XXXX XXXX  does not report XXXX to XXXX  or any credit reporting agency, nor do they authorize you to collect and disseminate this information.\n\nPotential Violation of FCRA  607(b): You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness cannot be guaranteed.\n\nViolation of FCRA  611: If you cannot obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.\n\nMy Demand:\nPursuant to the above laws, I am demanding the following:\n\nA complete reinvestigation of this XXXX record within 30 days of receipt of this letter.\n\nWritten proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.\n\nIf you cannot provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.\n\nPlease note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my states Attorney General.\n\n\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I state that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unjust and unlawful.

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 2025-09-08 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: NY

Complaint narrative:
I settled a XXXX XXXX account that had been sold to a third-party debt collector. After the account was resolved and paid in full in XX/XX/year>, XXXX began reporting multiple late payments ( XXXX XXXX  ) and a charge-off/collections on my credit reports. These derogatory marks did not exist prior to settlement and were only added after payment, which is factually inaccurate. 

This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers to report information accurately and prohibits the furnishing of information known to be false. XXXX  retroactive reporting of late payments after the account was settled is both misleading and damaging to my credit history. 

I previously disputed this with the credit bureaus under FCRA 611, but the inaccurate reporting remains. As a result, I am being unfairly penalized despite having resolved the account in full.

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