vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

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 XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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 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 2025-01-26 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: NC

Complaint narrative:
Ive had accounts removed from my credit report with proper documentation and months later the balances would reappear as if it was never settled as closed once updated with the major disputers.

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 2025-01-26 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: UT

Complaint narrative:
I have fraud charges on my credit report I investigated them even made reports about them and they still did not remove did not get info on to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account id accurate without providing any evidence of a thorough investigations. this practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recents administrative proceedings ( File No 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Resurgent Acquisitions LLC/LVNV Funding LLC/Resurgent Capital Services LP has contemporaneously committed unlawful debt collection practices, failure to investigate disputed information, not responded to debt validation letters while continuously committing 1040 days of Identity Theft, willfully furnishing fraudulent, invalidated, incorrect, and forged financial documents to the Credit Reporting Agencies. Relentlessly racking up unfair practice violations and submitted as evidence : false, misleading, and misrepresented documents to the Virginia XXXX XXXX and even obtained a General District Court judgment in their favor ( currently under appeal in the XXXX XXXX ). 
Hey XXXX, if I am wrong and you are not shielding a XXXX enterprise with the numerous debt buying companies affiliated under The XXXX XXXX XXXX umbrella ( you know, XXXX XXXX and ties to XXXX ). All that you need to do is validate the debt buddy. I RESERVE ALL RIGHTS WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I ask that they send me all documents and steps they took to verify the information that i disputed on my credit report. The CRA s have failed to do so by just stating the information is verified. I would really appreciate if these items are removed from unwilling to comply and do a proper investigation for a complete and accurate report. US 15 1681 2 ( a ) ( b ) i I requested debt validation, Purchase agreement from original creditor, and last they furnish proof that they are licensend and bonded.

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice to formally dispute the charge-off listed on my account. Despite previous attempts to resolve this matter directly, you have failed to address the issues in compliance with federal law. As a result, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate this matter further if necessary.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), reporting inaccurate, unverifiable, or incomplete information is illegal. Additionally, I have evidence that this account may have been illegally re-aged, which constitutes a direct violation of FCRA 605 ( c ). Re-aging accounts to extend the reporting period or mislead consumers is not only unlawful but also unethical.

Violation 1. Re-Aging the Account : Changing the date of first delin
quency to extend the reporting period is prohibited under federal law. This tactic misrepresents the account status and harms consumers like myself.

2. Failure to Verify : Per FCRA 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and verify disputed information within 30 days. To date, I have received no valid documentation proving the accuracy of this charge-off. No 1099c form given.

3. Inaccurate Reporting : The reported information contains errors, including [ list specific inaccuracies, e.g., incorrect amounts, dates, or account statuses ].

4. Failure to Notify : Under FCRA 623 ( a ) ( 7 ), you were required to notify me of adverse actions, including reporting this account as charged-off. Failing to do so is yet another violation. 

Notice of Further Action : Please note that I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your mishandling of this matter. If you continue to report inaccurate, unverifiable, or re-aged information, I will also file complaints with the Federal Trade Commission ( FTC ) and my states attorney general. Furthermore, I reserve the right to pursue legal action to hold you accountable for violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ).

This is your final opportunity to resolve this matter without legal escalation. You have 15 days from receipt of this letter to comply with my demands.

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 2025-01-26 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-26 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: NY

Complaint narrative:
I have made several request to all 3 credit bureau reporting agencies to remove previous addresses, employmer information, and my maiden name as public record on my credit report.

None of this information is ever removed. And because of this, the increased amount of scammer attempting to collect a debt or threatening to sending a processor to my job continues.

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 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collection & Outsourcing , Inc. is reporting inaccurate information on my credit report for a debt I do not owe. This debt was resolved in court, where it was agreed upon that the balance was zero. Despite this, the company continues to report the debt as outstanding.

I sent a formal debt validation letter to Fair Collection & Outsourcing , Inc., requesting proof of the debt, but they failed to respond. Their lack of response violates the Fair Debt Collection Practices Act ( FDCPA ). Additionally, their continued reporting of incorrect information to the credit bureaus is in violation of the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting is causing harm to my creditworthiness despite having legal documentation confirming the debt is resolved with a zero balance. I am requesting the FTC 's assistance in addressing this fraudulent and misleading behavior.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe, which appears to have been purchased or assigned to your company. Under Section 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification of the debt within 30 days of receiving your notice.

I am requesting the following information : Proof of Debt : Documentation that clearly establishes your authority to collect the debt and shows how the amount owed was calculated.

Chain of Ownership : Evidence of the transfer or assignment of this debt from the original creditor to your company, including all intermediary transactions.

Original Contract : A copy of the original agreement that created the debt, bearing my signature.

Payment History : A detailed account of all payments, charges, and fees applied to the alleged debt.

Additionally, I believe there may be inaccuracies or violations related to your handling of this matter. Please note that under Section 1692 ( e ) of the FDCPA, debt collectors are prohibited from using false, deceptive, or misleading representations to collect a debt. If any errors are found or you can not provide the requested documentation, I expect you to cease all collection efforts and notify the credit reporting agencies to remove any negative information related to this account.

Until these matters are resolved and the debt is validated, I request that you refrain from contacting me further except to provide the documentation requested. Please note that I am keeping detailed records of all correspondence related to this dispute.

I appreciate your prompt attention to this matter. Please provide your response within the 30-day period specified by the FDCPA. All future correspondence regarding this matter should be directed to the address listed above.

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 2025-01-26 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: PA

Complaint narrative:
I do not have a contract with Experian nor did I consent to them reporting an alledged account with XXXX domestic relations. Experian is refusing to investigate this account along with removing the address from my credit report. My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This should the only address listed on my credit report. It is illegal to report a child support on a credit profile as it does not pertain to any consumer credit transaction since XXXX Supreme Court.

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 2025-01-26 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: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX is charging me of XXXX XXXX policy that is unwanted and not required. I have sent XXXX XXXX and XXXX XXXX documents multiple times clearly stating that I am not in a flood zone that required coverage. I have been communicating with XXXX since XXXX XXXX. My previous flood insurance company agreed that coverage was no longer needed and refunded my premium. XXXX is now charging my escrow for payment of new policy ( twice the price ) and future payments raising my new mortgage payment to XXXX XXXX of being unaffordable. This is a XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive had accounts removed from my credit report with proper documentation and months later the balances would reappear as if it was never settled as closed once updated with the major disputers.

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 2025-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive had accounts removed from my credit report with proper documentation and months later the balances would reappear as if it was never settled as closed once updated with the major disputers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the fair Credit Right Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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