vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, a consumer, am notifying you that I dispute this alleged debt of {$510.00} by LVNV FUNDING LLC pursuant to 15 USC XXXXg. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: DE

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXX ) 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 2025-12-08 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: CO

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-08 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: FL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with XXXX regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by XXXX and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by XXXX and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( XXXX XXXX XXXX  ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of XXXX XXXX XXXX. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES XXXX XXXX EXPERIAN AND TRANSUNION-

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-08 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 Experian and Equifax 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 Experian and Equifax 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
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
Subject : Ongoing Fraudulent Reporting, Illegal Reinsertion, and XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX has engaged in repeated, willful violations of the Fair Credit Reporting Act ( FCRA ) and FACTA, causing ongoing financial harm and obstructing both my personal and business credit opportunities. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX is reporting XXXX different account numbers for the same alleged auto loan : XXXX account number appears on the signed contract they provided. 
A different account number is being reported to the credit bureaus. 

This violates : FCRA 607 ( b ) failure to maintain accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate FCRA 602 ( A ) unfair, misleading reporting practices FCRA 611 ( a ) failure to properly investigate 2. Illegal Reinsertion After IRS Removal The IRS previously removed the fraudulent account from my credit file. 
XXXX then reinserted the account using a different account number AND under a different furnisher name ( XXXX Bank instead of XXXX XXXX XXXX ). 

This violates : FCRA 611 ( a ) ( 5 ) ( B ) reinsertion without certification FCRA 623 ( a ) ( 2 ) failure to correct and update information FCRA 615 ( f ) deceptive adverse action behavior 3. Furnisher Identity Manipulation Changing the furnisher name to XXXX Bank appears designed to evade prior deletion orders and bypass Metro 2 compliance.

This is a deceptive practice in violation of : UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) FCRA 623 ( a ) ( 1 ) FACTA identity theft protections 4. Harm Caused Due to their conduct, I have suffered : Loss of personal and business funding opportunities Sudden XXXX XXXX drops Delays in acquiring business financing Emotional distress and financial damage XXXX. Request for Immediate CFPB Action I am requesting that the CFPB : XXXX. Open an investigation into XXXX XXXX XXXX XXXX XXXX Bank. 
XXXX. Require them to provide full documentation verifying the true account number. 
XXXX. Order removal of all fraudulent and illegally reinserted data. 
XXXX. Require certification that no reinsertion will occur again. 
XXXX. Evaluate penalties for willful FCRA violations under 616 and 617. 
XXXX. Investigate related dealerships : XXXX XXXX XXXX and XXXX XXXX for failure to respond and for contributing to the fraudulent account origination.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank for business refused to refund me XXXX that I was ripped off for using a company called XXXX XXXX XXXX XXXX of XXXX, FL. I neither received my 5 minute video animated presentation of digital invention prototype as promised and contracted and XXXX XXXX refuses to refund me and owner XXXX XXXX ripped me off and took advantage and scammed me. Payment was made on XX/XX/year> through PNC XXXX and My Bank PNC Nor XXXX offered to refund me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-08 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX XXXX XX/XX/year> Experian Legal XXXX XXXXXXXX XXXX XXXX, tx XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-12-08 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: TX

Complaint narrative:
In XX/XX/year>, a collection account for {$100.00} from XXXX XXXX XXXX XXXX by XXXX & XXXX XXXX XXXX I disputed this debt because I had canceled my XXXX  service, returned all equipment, and received confirmation. The dispute was investigated and the collection entry was deleted. 

In XX/XX/year>, the same {$100.00} debt reappeared on my credit report under a different collection agency, XXXX XXXX, without any written notice, documentation, or certification. I received no communication frXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prior to the reinsertion. 

Under the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) ( B ), if previously deleted information is reinserted, the consumer must be notified within XXXX business days, and the furnisher must certify that the information is accurate before reinsertion. I received no notice, no reinsertion explanation, and no supporting documents. 

The improper reinsertion has negatively affected my XXXX XXXX at a time when I am actively seeking employment and exploring financial assistance options. This situation has caused significant stress and disrupted my well-being. I am requesting removal of the reinserted account and investigation into the reinsertion and failure to provide notice as required under 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 2025-12-08 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This qualifies as a billing error under TILA 15 U.S.C. 1666 ( b ). When I disputed these late payments with the credit bureaus, they marked them verified, but they did NOT provide documentation or proof. Because of this, the credit bureaus failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ).

I also never received a Method of Verification explanation as required under FCRA 611 ( a ) ( 6 ) ( B ), showing who was contacted, what documentation was used, or how the late payments were verified. This means the investigation itself is improper and incomplete. 

DEPTED/XXXX  has not provided : XXXX, XXXX, or XXXX billing statements Proof of XXXX advance notice Payment posting logs Any documentation validating the delinquencies Because they are furnishing information without valid proof, this violates FCRA 1681s-2 ( a ) and is an unfair, deceptive, and abusive act under UDAAP ( 12 U.S.C. 5531 & 5536 ). These actions have already caused significant harm, including credit denial for housing and transportation.

I am requesting CFPB to require immediate and expedited action, because this involves : A failed reinvestigation Missing verification documentation A billing error under TILA UDAAP-level servicing failures A pattern of harm affecting essential needs Requested CFPB actions : XXXX. Obtain proof of XXXX billing statements for XXXX XXXX. Obtain verification documentation used in the verified decision XXXX. Require XXXX to validate or remove the late payments XXXX. Correct all inaccurate reporting and update all bureaus XXXX. Prevent further furnishing of unverifiable negative data If the servicer can not produce legally required documentation, I am requesting that the late payments be removed 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 2025-12-08 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: MS

Complaint narrative:
This qualifies as a billing error under TILA 15 U.S.C. 1666 ( b ). When I disputed these late payments with the credit bureaus, they marked them verified, but they did NOT provide documentation or proof. Because of this, the credit bureaus failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ).

I also never received a Method of Verification explanation as required under FCRA 611 ( a ) ( 6 ) ( B ), showing who was contacted, what documentation was used, or how the late payments were verified. This means the investigation itself is improper and incomplete. 

DEPTED/Nelnet has not provided : XXXX, XXXX, or XXXX billing statements Proof of XXXX advance notice Payment posting logs Any documentation validating the delinquencies Because they are furnishing information without valid proof, this violates FCRA 1681s-2 ( a ) and is an unfair, deceptive, and abusive act under UDAAP ( 12 U.S.C. 5531 & 5536 ). These actions have already caused significant harm, including credit denial for housing and transportation.

I am requesting CFPB to require immediate and expedited action, because this involves : A failed reinvestigation Missing verification documentation A billing error under TILA UDAAP-level servicing failures A pattern of harm affecting essential needs Requested CFPB actions : XXXX. Obtain proof of XXXX billing statements for XXXX XXXX. Obtain verification documentation used in the verified decision XXXX. Require XXXX to validate or remove the late payments XXXX. Correct all inaccurate reporting and update all bureaus XXXX. Prevent further furnishing of unverifiable negative data If the servicer can not produce legally required documentation, I am requesting that the late payments be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

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

I was repeatedly told by loan officers at XXXX 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 XXXX, 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