vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-10-03 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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: PA

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. 

Please delete the following accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates acco

rding to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of
inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX : Account/Reference Number : XXXX Original Creditor XX/XX/XXXXAmount Claimed : {$2000.00} To whom it may concern : I am writing to dispute and request validation of the above-referenced debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., specifically citing 15 U.S.C. 1692g ( b ) and the protections regarding communications in 15 U.S.C. 1692cc. Pursuant to my rights, I hereby demand that you provide full validation of this alleged debt, including but not limited to : 1. A copy of the original signed contract or agreement bearing my signature establishing the debt with XXXX. 
XXXX. An itemized accounting showing how the alleged amount of {$2000.00} was calculated, including principal, interest, fees, and dates of charges and payments. 
XXXX. The name and address of the original creditor and documentation showing chain of assignment or sale of the debt from the original creditor XX/XX/XXXX) to LVNV Funding, LLC, including dates and copies of assignment or purchase agreements.

4. Proof that LVNV Funding, LLC is licensed or authorized to collect debts in my state, or, if you are collecting on behalf of another, a copy of the written agreement authorizing you to collect on their behalf. 
5. Documentation of the date of last activity and date of default/charge-off.

6. Any documents or records evidencing my obligation to pay, including billing statements, invoices, or delivery/acceptance confirmation.

7. Copies of any reports, communications, or agreements sent to consumer reporting agencies concerning this account.I dispute the validity of this debt and request that you cease all collection activities and communications with any credit reporting agencies until you have provided the requested verification, as required by 15 U.S.C. 1692g ( b ). If you have reported this alleged debt to any consumer reporting agency, please notify them that the debt is disputed.

Please be advised that 15 U.S.C. 1692cc restricts certain communications, and I request that all future communications be in writing only, sent to the address above. Do not contact me by telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : Account Number XXXX Debt Validation & Metro 2 Dispute / Demand for Deletion of Inaccurate Reporting To Whom It May Concern, I am disputing the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), and related Florida law, I demand full verification and validation of this debt.

Specifically, you must provide, in writing : The original creditors name, address, and account number. 

A complete, itemized accounting of the alleged debt, including all principal, fees, interest, and charges. 

Documentation proving that you are legally authorized to collect this debt in Florida. 

Proof that the alleged debt is accurate, valid, and belongs to me.

Evidence that any information you report or have reported to XXXX, XXXX, and XXXX  is fully Metro 2 compliant, including correct account type, date opened, balance, and account status.

Until proper validation is provided, you are required to : Cease all collection activity immediately.

Immediately flag any reporting of this account as disputed with all credit reporting agencies.

Correct or delete any inaccurate or unverifiable information, including evictions, collections, or derogatory accounts. 

Failure to comply will result in : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Florida Attorney General. 

Legal action for violations of the FDCPA and FCRA, including statutory damages. 

Pursuit of all remedies available for reporting false, inaccurate, or unverifiable information, including immediate demands for deletion of unverifiable items from my credit reports.

This letter serves as my Metro 2 dispute of inaccurate reporting and formal demand for deletion of unverifiable accounts or evictions. I expect a full written response and supporting documentation within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$340.00}

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 2025-10-03 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: GA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I submitted some documents that was required of me to prove that my credit profile has items on there that does not belong to me .I am a victim of the data breach and as a result my information was used for identity theft .I have submitted an ftc report to all the bureaus to show what accounts were not mines on the report. Every time i called they told me that my documents were not clear enough and or tried to use some type of stall tactic to not help me remove the accounts. Each time they asked me for documentation i made sure to send it and they made me reupload the information at least 3 times. And every time i called they gave me another reason why they could not help me out. I am submitting my documentation again here to prove that i have done what i am supposed to do to have the information blocked from my report in accordance with FCRA 15 USC 1681B 605B.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On experian mainly and equifax and transunion there are several accounts opened from XXXX XXXX  that these companies are fraudulently putting incorrect dates to keep the closed account on my credit profile. As per the new law FCRA and closed accounts they are closed but showing as potentially negative and is affected my credit. How can the accounts be charged off-paid for already thru insurance I never got a 1099 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who never sent a 1099 but All accounts are from between XXXX and are all closed but still reporting to the credit bureaus and is a direct violation to the FCRA regarding all three credit files plus updating each month. I spoke to a representative at transunion who stated she could remove the employers and I look they are still there. They dont work with consumers they work with the creditors.

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 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal regarding XXXX XXXX response to my prior complaint. While XXXX claims their handling of my account and disputes is proper, their own records demonstrate otherwise. 
XXXX. Dispute Investigations Closed Too Quickly My credit disputes with FinBe have been marked completed within XXXX weeks. This is far too fast to represent a thorough and fair investigation under the Fair Credit Reporting Act. XXXX appears to be rubber-stamping disputes instead of conducting meaningful reviews. 
XXXX. Harassment and XXXX XXXX I have repeatedly been harassed and mistreated when calling XXXX. I was spoken to in a demeaning and belittling manner, hung up on multiple times ( including by a manager ), and never provided with a clear explanation of my payments. This conduct is unprofessional and unacceptable. 
XXXX. Payments Applied XXXX ( XXXX XXXX XXXX ) XXXX own payment ledger proves that my payments are almost entirely consumed by interest and fees, leaving little to no reduction of the principal. For example : On XX/XX/XXXX, I paid {$700.00}, but {$560.00} went to interest and only {$130.00} reduced my balance. 
On XX/XX/XXXX, I paid {$700.00}, but {$670.00} went to interest and only {$26.00} reduced my balance. 
On XX/XX/XXXX, I paid {$700.00}, but {$670.00} went to interest and only {$26.00} reduced my balance. 
On XX/XX/XXXX, I paid {$300.00}, but only {$33.00} reduced my balance. 
Despite making at least XXXX payments totaling over {$15000.00}, my account balance is still over {$22000.00}. This is not reasonable or fair. It demonstrates a loan structure that traps the borrower in debt and makes progress nearly impossible. 
XXXX. Voluntary Surrender Misreported as Repossession I voluntarily surrendered the vehicle. However, XXXX continues to report the account as a repossession, which is inaccurate and damaging to my credit profile. A voluntary surrender is not the same as a repossession, and this misreporting is unfair. XXXX own letter dated XX/XX/XXXX states that they have my vehicle because I broke promises in our Agreement. This is misleading. I did not hide or refuse to return the vehicle I voluntarily surrendered it. Reporting this as a repossession instead of a voluntary surrender is factually inaccurate and has caused unnecessary and unfair damage to my credit reports. I request that this be corrected to reflect the true nature of the account closure. I have already submitted the proof that I voluntarily surrendered my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. As required by 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should be corrected or 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 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-03 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: MI

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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