vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-16 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] Vance & Huffman LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Debt Validation Request Account # XXXX To Whom It May Concern, I am formally requesting validation of the XXXX  payday  loan that Vance & Huffman LLC has reported under Account # XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) 809, debt collectors must provide adequate proof of the validity of the debt upon request. Furthermore, under the Truth in Lending Act ( TILA ) 1026, lenders are required to fully disclose loan terms accurately.

I am disputing this account for the following reasons : Lack of Proper Validation As per FDCPA 809, I have not received adequate documentation proving the legitimacy of this debt, such as a signed agreement or full loan breakdown.

Potential Lending Disclosure Violations If XXXX failed to provide proper loan disclosures under TILA 1026, the debt may be unenforceable.

Unfair Collection Practices If aggressive or deceptive collection tactics were used, this may constitute violations of FDCPA 806 and 807.

I request that Vance & Huffman LLC provide full validation of this debt, including : A copy of the original contract with XXXX.

A detailed account statement reflecting the balance calculation.

Proof that Vance & Huffman LLC has the legal authority to collect this debt.

If you are unable to provide proper verification, I demand that this account be removed from my credit report immediately.

Please provide a written response within 30 days, confirming either full validation of the debt or its removal. If no response is received within this timeframe, I will consider this debt unverified and report it accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I am writing regarding a custodial bank account where the custodian has passed away. The account was never properly transferred to anyone else after their passing. 

In XXXX, I reported this matter to the bank. However, during the time it was supposed to be under investigation, an individual claiming to be the executor of a will transferred all the funds elsewhere and closed the account even though I was not a minor. This account was not part of any estate, and therefore, she had no legal authority to close it or transfer the funds. This action appears might be an attempt to cover up fraud during an ongoing investigation, which is deeply concerning. 

Additionally, XXXX XXXX is not authorized to access or make decisions regarding this account. The bank failed on several legal and procedural fronts : XXXX. Failure to verify my age and transfer the account to me once I became of age. 
XXXX. Failure to notify me of the investigation status I was told no investigation was opened, when in fact XXXX was. 
XXXX. Failure to verify the authority of XXXX XXXX before allowing her to close the account and transfer the funds. 
XXXX. Failure to protect the account during an active investigation, allowing unauthorized individuals to take control. 

These are serious violations, and the bank is liable for the mishandling of my account and for enabling fraud. 

I demand the following actions be taken immediately : Reimbursement of the full amount that was in the account. 
Immediate transfer of those funds into an account under my name.

Reopening or proper transfer of the original account in accordance with the law. 

If this is not resolved promptly, I will take legal action against the bank and without any intentions the media might get involved, as this situation is unacceptable and unlawful. 

Sincerely, 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 2025-06-16 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: FL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MT

Complaint narrative:
I previously contacted the CFPB regarding Money Lion this has been months of my time and money wasted. Despite police reports and criminal penalties charged to the individual who fraudulently used my account they denied my dispute. However, due to money lions negligence in handling my dispute multiple seperate disputes where filed. They acknowledged this error ( see attached documents ) and claimed to fix the missing disputes but to this day have not. In addition to later denying my dispute and withdrawing my provisional credit of over XXXX dollars causing an instacash loan to be taken in order to cover that money. They later approved the second set of disputes that where not included as they should have been as mention previously money lion acknowledged this. This amount of approved disputed transactions was over XXXX XXXX Those approved disputes where related to the previously denied disputes totaling over XXXX XXXX Money lion has not refunded the over XXXX $ and I can not reach anyone to help me. In addition there are still transactions missing that they have not included. Money lion owes me {$1200.00} plus interest for XXXX months and they need to pay for the instacash loan of {$710.00}. If they do not pay I would like to request arbitration however I would like to alternatively file in my locsl small claims court and be represented by my attorney XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate, misleading, and unlawful reporting of a collection account being reported by LVNV Funding LLC, and published on my consumer credit reports by both XXXX  and XXXX 

The same account is being reported under XXXX different account numbers : LVNV FUNDING LLC Account # XXXX * * * * * * * * * * * * LVNV FUNDING LLC Account # XXXX * * * * * * * * * * These XXXX listings represent the same alleged debt, yet are being reported with inconsistent and conflicting account numbers, which is inaccurate and misrepresents the nature of the account. This practice violates my consumer rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies must assure maximum possible accuracy of the information they report. 

Violations Committed : XXXX. Inaccurate and Duplicate Reporting : Reporting a single alleged debt under multiple account numbers is misleading and has a negative effect on my creditworthiness. This not only gives the appearance of multiple debts where only one exists, but also artificially inflates my debt load, in direct violation of : 15 U.S.C. 1681e ( b ) Failure to maintain accuracy ; 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the character or amount of the debt. 
XXXX. Failure to Provide Required Disclosures : I was never provided with the proper disclosures or notices from LVNV Funding LLC, XXXX, or XXXX  stating that this debt would be reported to the credit bureaus, or that I had a right to dispute it before it was reported. This violates : 15 U.S.C. 1692g ( a ) of the FDCPA which requires a debt collector to notify the consumer within 5 days of the initial communication of their right to dispute ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) which requires furnishers to notify credit bureaus if an account is disputed by the consumer ; 15 U.S.C. 1681s-2 ( b ) which requires a reasonable investigation when a dispute is submitted. 

Harm Caused : Due to the multiple and inaccurate listings of this debt, my credit profile has been significantly harmed. This includes : Reduced credit scores ; Denial of favorable terms on credit offers ; Emotional distress caused by persistent misreporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 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: MI

Complaint narrative:
I am writing to file a formal complaint against your agencies for violating my consumer right to privacy by reporting an alleged XXXX  on my credit reports. 

Upon contacting the XXXX court directly, I was clearly informed that the court does not verify, report, or furnish information to any consumer reporting agencies. This raises a critical and lawful concern : where did you obtain this information, and what method of verification was used to determine its accuracy prior to publishing this highly sensitive public record to third parties?

Legal Violations : 1. Violation of FCRA Inaccurate Reporting Without Verification Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), you are required to maintain procedures that ensure the maximum possible accuracy of the information you report. Reporting a XXXX  one of the most damaging public record items without directly verifying it with the source ( i.e., XXXX XXXX XXXX ) or disclosing your method of verification is a clear violation of this federal obligation.

2. Violation of Privacy Rights Opt-Out Rights Not Honored Additionally, under 17 CFR 248.124, consumers are granted the right to a reasonable opportunity to opt out of having their nonpublic personal information shared with non-affiliated third parties. At no point was I ever given proper notice or a meaningful opportunity to opt out before the inclusion of this highly personal and damaging information on my credit file.

17 CFR 248.124 - Reasonable opportunity to opt out : A consumer must be provided a reasonable opportunity to opt out before you disclose nonpublic personal information You failed to provide me with any such opportunity or notice, which constitutes a violation of my privacy rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 2025-06-16 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-16 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation