vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding and/or its agents have been repeatedly calling me, often leaving voicemail messages with vague or misleading language, such as : XXXX that weve been trying to reach you, or other phrases that lack proper identification and appear intended to provoke a response without clearly stating the nature of the call. 

These messages are frequent, disruptive, and appear to violate the Fair Debt Collection Practices Act ( FDCPA ) by failing to meaningfully disclose the callers identity and the purpose of the call. This pattern of communication constitutes harassment and deceptive collection practices under federal law.

Optional Follow-Up Line ( for Cease & Desist ) : I am now invoking my right under 15 U.S.C. 805 ( c ) to demand that you cease all further contact with me regarding any alleged debt. Any further attempts to contact me, especially using misleading language or repeated calls, will be documented and may be used as evidence of FDCPA violations.

Would you like help turning this into a finalized cease and desist letter or adding details to file a complaint with the CFPB or FTC?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information being reported on my credit file related to the above-referenced account with XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information furnished and reported on consumer credit files is accurate, complete, and verifiable. This account is not, for the following reasons : XXXX. XXXX XXXX has acknowledged incorrect personal information, specifically an inaccurate Social Security Number ( SSN ) associated with the account. I provided accurate personal identification to the dealer at the time of purchase and never authorized or submitted an incorrect SSN.

2. The account was paid in full for less than the full balance on XX/XX/year>, yet XXXX did not officially mark the account closed until XX/XX/year>, and further delayed the title release until XX/XX/year>, citing internal policy and non-certified funds processing. This delay and misreporting were due solely to the lenders handlingnot any delinquency on my part. 
XXXX. As a result of this misinformation and mishandling, the continued reporting of this account as a charge-off with delinquencies is inaccurate and misleading. It does not reflect the reality of the transaction or the lenders own admission of internal data errors.

Under FCRA Section 609 and Section 611, I request that you : Remove all negative reporting ( including any charge-off or delinquency status ) associated with XXXX XXXX XXXX XXXX XXXX from my credit report ; Provide a full reinvestigation of this account and remove or correct all inaccurate data ; Confirm the deletion or correction in writing. 

I have attached the response letter from XXXX XXXX XXXX XX/XX/year>, for reference. Please let me know once your investigation is complete or if additional information is needed. 

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 non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-19 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Creditor reported a repossession to a vehicle that is not mine. Attached is dispute letter and screenshot of the repossession reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and inconsistent account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX across the three credit bureaus : Equifax, TransUnion, and Experian. 

The account information is reported differently across bureaus : Equifax reports the account as an open collection account with last payment on XX/XX/year>, balance owed of {$850.00}, and shows 120 days late. 
Experian and TransUnion show the same account as a collection/charge-off but with different last active dates and no payment history. 

This violates multiple consumer protection laws, including : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate, complete, and consistent data. 
FCRA 1681e ( b ) Credit reporting agencies must maintain procedures to ensure the maximum possible accuracy.

FCRA 1681i The account was disputed but continues to report with errors.

FCRA 1681b Reporting must have a permissible purpose, which is not met when data is unverifiable.

FCRA 1681c Dates reported must be correct and consistent.

FDCPA 1692e It is deceptive for a debt collector to misreport or inconsistently report account information.

I have also disputed this account previously, and it has been removed from my XXXX report, indicating it could not be verified.

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 2025-06-19 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-06-19 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX XXXX - Legal Basis These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
I disputed multiple inaccurate tradelines with Experian ( including XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  ), but Experian failed to comply with its legal obligations under the FCRA. 

They marked disputes investigation complete but did not provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 7 ). I received no documents, no names of individuals contacted, and no proof of investigation. Despite this, Experian continues reporting unverifiable, outdated, or potentially securitized debt, violating : 1681i ( a ) ( 1 ) ( A ) Failure to reasonably reinvestigate 1681i ( a ) ( 2 ), ( 5 ), ( 6 ), ( 7 ) Failure to notify furnishers, delete unverifiable data, and disclose results/method 1681e ( b ) Failure to ensure maximum possible accuracy Im requesting full deletion of the disputed accounts, disclosure of the verification methods used, and a regulatory review of Experians dispute procedures.

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 2025-06-19 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: NV

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a derogatory item reported by XXXX XXXX on my Experian credit report, listed under the following details : Creditor Name : XXXX XXXX. 

Account Number : XXXX Account Status : Charged Off Balance : {$500.00} Date Opened : XX/XX/XXXX Reported Delinquencies : 30 to 90 days past due, ultimately charged off Date of Charge-Off : XX/XX/XXXX Date Last Updated : XX/XX/XXXX This item has already been previously disputed, and Experian confirmed that the furnisher verified the account without offering any transparent or legally sufficient documentation. The creditor has not provided full validation of debt under FCRA 609 and 611, nor any verifiable proof that I owe the stated balance or that it was lawfully reported in the manner reflected. 

Additionally, this account has demonstrated inconsistent reporting, with a {$500.00} balance listed month after month despite no payments being recorded since XXXX, which may suggest inaccurate payment history maintenance. No updated scheduled payments or contractual adjustments are reflected despite the account being listed as charged off for over a year. 

This continued presence of an unverified, potentially inaccurate, and damaging charge-off violates the Fair Credit Reporting Act ( FCRA ) requirement for data furnishers and credit bureaus to maintain complete and accurate records. In addition, the account 's reported status appears incongruent with prior updates, including a previously noted dispute flag that has since been removed without cause or evidence. 

Resolution Requested I respectfully demand that this XXXX XXXX account ( Acct # XXXX ) be immediately removed from my Experian credit file due to the following : Failure to provide adequate verification of the debt upon dispute ; Inconsistent and outdated balance and payment reporting ; Incomplete recordkeeping that results in misleading account status ; Violation of my consumer rights under FCRA 607 ( b ), 609, and 611.

I expect the CFPB to ensure full accountability and compliance from both XXXX XXXX and Experian. This complaint is filed in good faith and will be escalated further if this account is not removed in a timely manner.

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 2025-06-19 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I am a victim of identity. There were really open. I never at all.

Company response to consumer: Closed with explanation