vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is knowingly reporting two addresses that have absolutely nothing to do with me. I have never lived at these locations, I have never used them, and they have no connection to my identity or credit profile. I have disputed this five separate times, and Experian continues to leave these false addresses on my file without conducting a lawful reinvestigation.

False Addresses Experian Refuses to Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experians repeated failure to remove these inaccurate addresses is a direct violation of the Fair Credit Reporting Act, including : 15 U.S.C. 1681i ( a ) They did not conduct a reasonable reinvestigation despite multiple disputes.

15 U.S.C. 1681e ( b ) They failed to maintain maximum possible accuracy by keeping false identifying information in my file.

15 U.S.C. 1681n & 1681o Their repeated noncompliance is now willful and negligent.

This is not a gray area of the law. In XXXX v. Experian ( XX/XX/2024 ), the CFPB and FTC filed an amicus brief making it unmistakably clear that disputes involving personal identifying informationincluding addressesare covered under the FCRAs reinvestigation requirements. Experian can not legally ignore or validate an address that has never belonged to me.

Experian is refusing to follow federal law and is knowingly keeping false data in my file. That is a willful violation.

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 2025-12-02 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: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
My chime debit card was stolen and a fraudulent charge was made on my account at a XXXX XXXX XXXX  for {$1100.00}. I filed a dispute with Chime on XX/XX/year>. I am requesting this dispute be governed for constructive fraud caused by this major bank, because of my past history dealing with unfair practices with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am filing a complaint against LVNV Funding, LLC and its representing law firm XXXX XXXX, XXXX for violations of the FDCPA and CFPB debt collection rules relating to an improperly pursued debt lawsuit in Texas.

LVNV Funding sued me in LVNV Funding, LLC v. XXXX XXXX, Cause No. XXXX, in XXXX XXXX , Texas. On XX/XX/year>, the County Court at Law reversed the prior Justice Court judgment, dismissed the case, and taxed all court and appeal costs against LVNV Funding. The case was dismissed because LVNV failed to provide sufficient evidence or proper documentation.

The following violations occurred : 1. Failure to provide required debt validation ( 15 U.S.C. 1692g ).

LVNV failed to provide : A complete chain of assignment, Proof of ownership of the debt, A copy of the original agreement, Itemized account records.

2. Filing a lawsuit without proof of ownership ( 1692e & 1692f violations ).

LVNV initiated litigation with insufficient documentation to establish standing.

3. Continuing collection efforts while the debt was disputed.

They moved forward with litigation despite the debt being disputed and without proper validation.

4. Providing inaccurate or incomplete information to the court.

The lawsuit was dismissed because LVNV could not prove the debt. If they reported similar information to credit bureaus, it may violate FCRA accuracy rules.

5. Court decision shows LVNV acted improperly.

The County Courts dismissal and taxation of costs against LVNV shows the lawsuit lacked legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-02 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 am submitting this fourth follow-up complaint to formally dispute and demand the removal of multiple inaccurate and unauthorized items on my Experian, Equifax, and TransUnion credit reports. My XXXX XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX  ) is inaccurately reported as Late Close with a {$0.00} balance across all three bureaus, even though the account was fully paid and properly closed. Additionally, multiple charge-offs are incorrectly reported : Experian shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as charge-offs with {$0.00} balances, while Equifax also reports these along with XXXXXXXX XXXX XXXXXXXX. All of these accounts were either paid in full or never delinquent. These inaccuracies are misleading, harm my creditworthiness, and violate FCRA 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which require accurate reporting and proper investigation of disputed accounts. Furthermore, my reports include numerous unauthorized or inaccurate inquiries. On Experian, these include XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) ; Equifax shows XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) ; TransUnion shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). None of these inquiries were authorized, and their reporting violates FCRA 604 ( 15 U.S.C. 1681b ) and 619 ( 15 U.S.C. 1681q ).

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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have been in repayment for more than 24 years and should qualify for IDR forgiveness. My IDR payment count needs to be reconstructed under the one-time adjustment and manual review process. I also have an open case with the U.S. Department of Education related to correcting my historical payment record. 

On XX/XX/year>, Aidvantage sent me a written response stating that my IDR payment count and payment history are unavailable due to the SAVE injunction. They repeated this explanation twice and did not answer my question about the status of my IDR recount.

This explanation appears to be incorrect and misleading. My recount is part of the IDR one-time adjustment and manual payment history reconstruction process, not the SAVE plan. The SAVE injunction does not stop ED from processing long-term borrowers who have reached the 20 to 25 year forgiveness threshold. ED has stated that IDR forgiveness processing and payment history corrections are continuing under the AFT settlement. 

Aidvantage did not indicate whether my account is in a reconstruction queue, whether my historical payment records were sent to ED, or whether internal data problems are delaying my payment count. Instead, they provided a generic statement that does not apply to my case. 

As a result, I still can not obtain an accurate payment count or any meaningful update from my servicer, despite more than 24 years of repayment. This delay is harmful and appears to be caused by inaccurate information and a failure to process my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains no information whatsoever, despite my knowledge of active credit accounts and credit activity that should be reflected. This absence of data is inaccurate and incomplete, violating my rights under the Fair Credit Reporting Act ( FCRA ) to an accurate and complete credit report. I requested Equifax to investigate and correct this issue, but they have failed to provide any meaningful update or explanation for why my credit report is blank. This lack of reporting negatively impacts my ability to access credit and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and to dispute the validity of the above-referenced account that your company is attempting to collect. The amount you are attempting to charge does not belong to me, and I am demanding immediate removal of this fraudulent collection account. The account you are attempting to collect is not valid. I did not authorize, agree to, or use any services related to this alleged debt. The account was closed, and I had no further obligation to your company or the original creditor. I did not use or require any services from your agency or the original business after the account was closed. Any charges made after the closure of the account are unauthorized, invalid, and not legally collectible. Despite this being an invalid and disputed debt, your company continues to : Send collection notices Call me repeatedly Attempt to charge me for an amount I do not owe These actions are harassing, misleading, and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I never had any agreement or business relationship with your company I have never : Signed a contract with your company Used your services Owed your agency any money Authorized you to charge or bill me for anything Because I never had an account with you, you have no legal basis to claim I owe anything. If a company sold you a debt, it was done without my knowledge or consent. I did not : Approve a transfer Acknowledge any balance Any account sold without my consent is invalid, and you can not legally collect it. I have already disputed this account through the proper channels, yet it remains. I am now formally submitting a written complaint demanding that your company : Cease all collection activity immediately Delete this account from all credit bureaus ( XXXX, XXXX, XXXX  ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Contcted company via phone and company represenative refused to acknowledge and address issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am submitting this follow-up complaint to dispute and demand the removal of multiple unauthorized and unverifiable inquiries that continue to appear on my Experian, Equifax, and TransUnion credit reports. These inquiries were made without my consent and violate my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which clearly state that consumer reporting agencies may furnish credit reports only for permissible purposes and that unauthorized inquiries are prohibited. Upon reviewing my credit reports, I identified numerous inquiries I did not authorize, including on Experian : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX 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, and XXXX XXXX XXXX XX/XX/XXXX ; on Equifax : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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, and XXXX XX/XX/XXXX ; and on TransUnion : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. None of these inquiries were authorized by me, nor do they meet a permissible purpose under the FCRA, making their reporting inaccurate, misleading, and damaging to my creditworthiness.

Company response to consumer: Closed with explanation