vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I previously contacted TransUnion and spoke directly with an agent who assured me that a dispute had been properly filed and that the issue was being handled ( XXXX, Account # XXXX ). During that conversation, I made it very clear that this account was reported without my consent and that I had already submitted a police report confirming identity theft, along with a prior CFPB complaint documenting the same issue. I relied on those assurances and waited several weeks, expecting TransUnion to comply with its legal obligations. When I reviewed my credit report again, the same disputed account was still being reported as if no investigation had occurred. This directly contradicts what I was told and reflects a failure by TransUnion to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. TransUnion had actual notice of identity theft and supporting documentation, yet failed to block or remove this account as required by 15 USC 1681c-2. By continuing to report this account, TransUnion is violating its duty to ensure maximum possible accuracy under 15 USC 1681e ( b ) and its obligation to properly reinvestigate disputed information under 15 USC 1681i. Allowing inaccurate information to remain after providing false reassurance is misleading and unacceptable. This ongoing reporting has caused stress, frustration, and damage to my credit profile. I have followed every required step, submitted proper documentation, and exercised my rights as a consumer. There is no justification for this account to remain on my credit report. This complaint serves as my final demand. TransUnion must immediately remove this unauthorized account and provide written confirmation that it has been permanently deleted. If this issue is not resolved without further delay, I am prepared to pursue all available regulatory and legal remedies for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o.

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 2025-12-29 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: MI

Complaint narrative:
I'm XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXh so i let all Companies know this who i had accounts with and offered to pay off what i could for {$100.00} yet the companies were to greedy to accepr my offer. The letter LVNV had sent to me have no name of the case and when you call the phone number they have on the letter the call will ring once then a fast busy signal comes on. When you call LVNV their employees also play on the phone picking up and hanging up. They can't garnish my Social Security or XXXX Payments and i'll fight it if they try so i intend to do the XXXX XXXX if it goes that far. No Company should be allowed to harass and refuse to give you information. I'm XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted this Debt Collection Agency name LVNV who continue to use intimidation tactics and scare tactics. I can't be intimidated by anyone or anything. LVNV continue to harass me using their affiliates like XXXX XXXX XXXX that sent me a letter i included in this complaint. It doesn't say the name of the account they have in my name and it only has a court case number that i discovered LVNV had started a lawsuit. Yet each time i've called them and requested that they tell me all and any accounts they have in my name. I was a victim of Identity Theft XXXX different times within XXXX XXXXears hurting my credit. 

Each Company i had business with or a credit card with when i became XXXX  XXXX i told every Company this. The credit card companies all refused to account my settlement offer for accounts they clearly still have in my name which even though i'm XXXX i have to do any meetings or hearings by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year> i once again called LVNV and spoke to XXXX who thought things were funny. She refused to verify me. She kept laughing. She got smart and said " you called me i didn't call you. '' Then when i told her i have no email address on file with them so i didn't have an email address to give them she became rude and told me " call somebody else '' then rudely hung up in my face. 

On XX/XX/year> i called LVNV a second time. This time i spoke to XXXX who was also rude and thought something was funny. I told her the same thing i told XXXX that i couldn't give her an email address since i've never done business with them before. Yet XXXX hung up too. 

Each time i told LVNV agents i didn't have an email address to give them they get rude and hang up. They're refusing to tell me what accounts they have in my name yet LVNV employees refused to tell me what accounts they have in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: RD Fuller Company, LLC
State: FL

Complaint narrative:
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnishers reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing. 

I am filing this complaint against RD Fuller /XXXXXXXX XXXX XXXX XXXXr willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NH

Complaint narrative:
Centeral Portfolio Control contacted me on XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ), XX/XX/XXXX, and XX/XX/XXXX, all in XXXX. In each email I have been receiving notices about an " XXXX XXXX XXXX '' account that they are claiming I owe money for. 

From tracing out the email history, this has been routed through : - XXXXXXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX ( looks like this is the current debt holder ) - XXXX  ( looks like this was the company who hired XXXX XXXXXXXX XXXX XXXX XXXX XXXXlso contacted me on XX/XX/XXXX and XX/XX/XXXX, also both this year ( XXXX ). On XX/XX/XXXX they also mentioned a company called " XXXX XXXX XXXX. '' I tried contacting XXXX via email to tell them that I have never had accounts with any of these companies, nor purchased or received services from them. 

Yet they are continuing to send harassing emails. Of note, the alleged " balance '' seems to have increased from {$630.00} to {$1000.00} over the course of their emailing. 

I can't tell if this is a scam or merely a case of irresponsibly attempting to collect a debt that never existed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a written Cease & Desist notice to XXXX XXXX XXXX Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. 

I have notified XXXX XXXX XXXX that I refuse to pay the alleged debt and demanded immediately to cease all further communication with me. 15 U.S.C. 1692a ( 2 ), a communication includes the conveying of information regarding a debt directly or indirectly to any person through any medium..

Despite receipt, the agency has continued collection activity or communication beyond what is legally permitted hurting my chances at credit. 

I request CFPB enforcement and that the agency document compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is a THIRD complaint on the same {$750.00} fraudulent credit repair charge ( Dispute # XXXX ). Previous complaints : # XXXX and # XXXX. 
Discover closed the previous complaint with an incorrect explanation. 
XXXX. Merchant on statement : XXXX XXXX XXXX provided by Discover : XXXX XXXX XXXX XXXX ( attached PDF ) different company name, clear fraud. 
XXXX. Verbal promises in XXXX ( {$80000.00} credit lines, we do everything ourselves ) not in XXXX contract bait-and-switch under XXXX. 
XXXX. Contract in English, negotiations in XXXX  violation of California Civil Code 1632. 
XXXX. XXXX XXXX XXXX XXXX not registered in Ohio at given address XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX ). 
XXXX. Disputed {$750.00} still on balance ( attached statement screenshot ) ongoing reporting causes score harm ( down XXXX points ). 
Please enforce full {$750.00} refund, stop reporting, and compensation for damage. 
Attached : full contract PDF, statement screenshot, score drop screenshots. 
XXXX XXXX XXXX ending in XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
I have disputed this account multiple times over the months with it just updating as verified with no verification given. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: MN

Complaint narrative:
I am the XXXX XXXX XXXX XXXXXXXX XXXX XXXX and was called by XXXX which is believed to be a spoofed number to appear local to my region ( XXXX XXXX XXXX Minnesota ). 

My phone number is on the official do not call list. 

I was originally asked if I was XXXX XXXX which I said no, I am XXXX XXXX and work for XXXX XXXX. 

They then began to ask if I was the manager or purchaser which I then stated my title as XXXX XXXX

They kept asking for my title despite me saying I'm a XXXX XXXX and not who you initially called " XXXX XXXX ''. They then said " oh no we are trying to call XXXX XXXX for a debt '' and I responded with " Why are you calling a random employee 's personal phone number '' to which they responded they are trying to get in contact with a manager, etc. 

He told me their business name as Gateston & Co at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told him that I didn't feel comfortable furthering this conversation as I'm just an employee and not sure what is going on. He then said in order for us to go any further we have to verify who I am and I kept telling him who I was and my title and then asked him why he was continuing to press me for information despite me telling him I no longer want to continue the conversation. 

I then threatened to contact CFPB at which he backed off and allowed me to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I previously submitted a complaint to the Consumer Financial Protection Bureau regarding my American Express account. American Express has failed to provide a timely or meaningful response to my complaint. 
In addition, American Express has never properly validated the alleged debt associated with this account. Despite my requests, American Express has not provided documentation verifying the accuracy, ownership, or amount of the debt, nor evidence that the balance is correct and legally owed by me. 
XXXX XXXX failure to respond to my CFPB complaint, combined with its failure to properly validate the debt, has prevented me from resolving this matter. No reasonable investigation or clear explanation has been provided, and no supporting documentation has been supplied. 
This lack of response and failure to validate the debt reflects inadequate customer support and noncompliance with applicable consumer protection requirements. I am requesting that American Express be required to respond promptly, properly validate the debt, and provide a clear written resolution to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Cease & Desist & Full Validation Under 15 U.S.C. 1692g To Whom It May Concern, This letter is a formal request for full validation under the FDCPA ( 15 U.S.C. 1692g ) regarding any alleged debt you claim I owe. Provide : XXXX signed contract XXXX you have legal right to collect Full accounting history Proof of chain of custody Proof of assignment of debt Until this information is provided, you must stop all collection activity, including reporting to credit bureaus. Failure to comply is a violation of the FDCPA and FCRA and will result in complaints to the CFPB, FTC, and Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Im submitting a complaint against equifax, Experian and Transunion for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ) despite providing the necessary documentation to prove the inaccuracies, Equifax, Experian and Transunion has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report 915u.s.c 1681 ) and conducting a proper reinvestigation to remove the errors within the required 30 day period ( 15u.s.c 1681 ).

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has several accounts that are over 7 years old still listed on my credit reports such as XXXXXXXX XXXX XXXX XXXX XXXX, along with medical collections that do not belong to me. I have no agreement with any third party collections agencies and All items that are over seven years old need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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