vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
When I check my credit score in XXXX XXXX app. It was going too low. Then I check why my credit score going down that time I see there is active citi bank account. ( I was closed Citi bank long time before ) After that I try to login with my oldest password I cant login so I try to call bank several times they informing me different 1st time I call them they say my social security is not there my phone number is not there after some call one person say I have an account there and he say I have Citi thank you credit card is activate and he try to verify from my information but he cant give information because verification id is not match so I dont know what to do Right now I am trouble Citi bank money loosing and I cant access to bank. My credit score is going down.

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 2025-08-05 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: CA

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 611 [ 15 U.S.C 1681i ] Issue : This address is inaccurate and unrelated to my personal history. 
Story : I have never resided at this location. It may have been added in error or as a result of a mixed file. Please delete this address to ensure the accuracy of my report. 

XXXX XXXX XX/XX/year> Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Unauthorized inquiry on my report Story : I never sought credit from XXXX XXXX on this date or any other. Please remove the inquiry per FCRA.

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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 2025-08-05 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: GA

Complaint narrative:
Date : XX/XX/year> Via Certified Mail Return Receipt Requested LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Cease and Desist Demand FDCPA & Georgia Fair Business Practices Act ( GFBPA ) To Whom It May Concern, This letter serves as your formal Notice to Cease and Desist all communications regarding an alleged debt purportedly associated with me. As of the date above, you are directed to immediately cease and desist all direct or indirect contact with me related to this matter, except as specifically permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Georgia Fair Business Practices Act ( GFBPA ), O.C.G.A. 10-1-390 et seq.

1. CEASE ALL COMMUNICATION Pursuant to 15 U.S.C. 1692c ( c ) and O.C.G.A. 10-1-393 ( b ) ( 30 ), you must immediately stop all forms of communication including, but not limited to, telephone calls, letters, emails, or texts to me or any third party. Any further attempt to contact me outside of legally permissible purposes will be viewed as harassment and a violation of both state and federal law.

2. DEBT VALIDATION REQUIRED Under 15 U.S.C. 1692g and supported by Georgias consumer protection laws, you are required to provide proper debt validation before resuming any collection activity. I formally request the following : The name and address of the original creditor.

A detailed accounting of the alleged debt, including any interest, fees, or other charges.

A copy of any agreement or contract that bears my signature.

Documentation showing that LVNV Funding LLC or Resurgent Capital Services has the legal authority to collect this debt in the State of Georgia.

Do not attempt further collection efforts until this information is provided and verified.

3. NOTICE OF LEGAL ACTION FOR NON-COMPLIANCE If you fail to comply with this cease and desist order or if you continue to engage in unlawful collection practices, I will file formal complaints with the following : Georgia Attorney Generals Office Consumer Protection Division Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) I also reserve the right to pursue civil legal action under the FDCPA and the GFBPA. Violators of the GFBPA may be subject to actual damages, treble damages, punitive damages, and attorneys fees under O.C.G.A. 10-1-399.

4. FUTURE CORRESPONDENCE All future correspondence must be in writing and mailed to my address listed above. No telephone, electronic, or third-party communications are permitted unless authorized by law or court order.

Thank you for your immediate attention. Please govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This message is to inform you that my credit report currently includes an account that I did not authorize or open. I take full responsibility for managing my financial obligations, and I assure you that this particular account is not associated with any of my credit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-08-05 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: TX

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

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 2025-08-05 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: PA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$310.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX/XXXX  # XXXX XX/XX/XXXX XXXX {$0.00}

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 2025-08-05 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: LA

Complaint narrative:
XXXX  XXXX Bankruptcy XXXX : XXXX ; XXXX  XXXX Bankruptcy XXXX XXXX XXXX ; XXXX XXXX * * XXXX * Balance : {$130000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$240.00} ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} ; DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; DEPTEDXXXX  XXXX * * * * Balance : {$26000.00} ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} ; DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$41000.00} ; DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX * XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; 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 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 XXXXXX/XX/XXXX. 
15 U.S.C. Sec. 1681i ( a ) Compliance I understand that, under 15 U.S.C. Sec. 1681i ( a ), the credit bureaus are required to verify disputed information. If the furnishers can not provide adequate proof of accuracy, the information must be updated or removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-08-05 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: Exeter Finance, LLC.
State: PR

Complaint narrative:
XXXX XXXX DATE : XX/XX/XXXX Amount : XXXX I summit all the documents they told me to bring, I'm a victim of identity theft and have 2 diferent accounts open that not belong to me. 

EXETER FINANCE DATE : XX/XX/XXXXXXXX  Amount : XXXX Same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Since dept was charge off XXXX2023.It has been repeatedly been updated on my account as a charge every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Since dept was charge off XXXX2023.It has been repeatedly been updated on my account as a charge every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Since dept was charge off XXXX2023.It has been repeatedly been updated on my account as a charge every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
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 non-monetary relief
Consumer complaint received 2025-08-05 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:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

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 2025-08-05 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 dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case 8:25-cv-00024 ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with explanation