vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am filing this formal complaint against XXXX XXXX. The creditor is violating federal law by reporting inaccurate information and failing to comply with its duty to verify, causing me severe credit damage. 
1. Direct Violation of 15 U.S.C. 1681i ( a ) ( Failure to Conduct a Reasonable Reinvestigation ) : I initiated formal disputes with all three agencies on XX/XX/year>, specifically requesting the necessary documentation ( the vehicle sale breakdown/desglose ) to justify the {$17000.00} deficiency balance. The credit bureaus and the creditor violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation. 
The investigation results letter from TransUnion proves the agency closed the dispute as " VERIFIED AS ACCURATE '', but DID NOT INCLUDE the vehicle sale breakdown. This omission proves that the agency sided with the bank without obtaining the legally required proof of the {$17000.00} balance, violating their statutory duty. 
2. Violation of 15 U.S.C. 1681s-2 ( b ) ( Reporting Materially False Information ) : The creditor, XXXX XXXX, violated 15 U.S.C. 1681s-2 ( b ) by verifying and reporting information they knew or should have known was inaccurate.

The False Report : The TransUnion report falsely states the account is in 'foreclosure ' and '120 days or more past due '. This is FALSE, as we established a verbal payment agreement of {$210.00} per month almost a month ago ( prior to the dispute ).

Data Contradiction and Delay : The bank reports a Monthly Payment of {$0.00}, which directly contradicts the {$17000.00} Past Due amount. Furthermore, the bank promised to send me the sale breakdown letter directly, but it has not arrived, demonstrating continued bad faith.

3. I demand that the CFPB intervene and order XXXX XXXX to take the following actions : Immediate Correction : Permanently remove the '120 days or more past due ' status and the 'foreclosure ' mark from all credit bureaus. 
Documentation/Deletion : Provide a copy of the complete vehicle sale breakdown, or delete the {$17000.00} balance and the derogatory mark from the account entirely.

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 2025-11-16 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau because multiple items appearing on my credit report are false, inaccurate, unverified, and damaging my credit profile. I have already attempted to resolve these issues with the credit bureaus, but the inaccuracies remain. I am requesting a full CFPB investigation and immediate corrective action.

1. WRONG / FRAUDULENT ADDRESSES ( NOT MINE ) The following addresses do not belong to me, I have never lived there, and they must not be reported under my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These inaccurate addresses indicate possible mixed files, identity issues or reporting errors and must be removed immediately.

2. WRONG / UNVERIFIED CHARGE-OFF ACCOUNTS ( I HAVE NO KNOWLEDGE OF THESE ACCOUNTS ) According to the FCRA 609 & 611, all information must be accurate, verifiable, and belong to the consumer.

The following charge-off accounts do not belong to me. I have no knowledge
of these accounts and request complete deletion : XXXX XXXX XXXX XXXX High Balance : {$870.00} Opened : XX/XX/XXXX Charge Off Not my account. I have no knowledge of this account. Request full deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$25000.00} Opened : XX/XX/XXXX Charge Off Not my account. I have no knowledge of this account. Request full deletion.

These appear to be false or mixed-file entries and are severely damaging my credit.

I demand removal as they can not be verified as belonging to me.

3. COLLECTION ACCOUNT ( NOT MINE, REQUESTING DELETION ) XXXX XXXX XXXXXXXX XXXX High Balance : {$420.00} Opened : XX/XX/XXXX Collection I have no knowledge of this account. Request immediate deletion.

4. LATE PAYMENT INACCURATE REPORTING XXXX XXXX XXXX High Balance : {$41.00} Opened : XX/XX/XXXX Late Payment This reporting is inaccurate. I have never made a late payment.

I am requesting correction and removal of the false delinquency.

5. UNAUTHORIZED / FRAUDULENT INQUIRIES I did not authorize the following hard inquiries. These companies had no permissible purpose under FCRA 604, and I demand they be removed : DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unauthorized and must be deleted immediately.

REQUEST FOR ACTION Under the Fair Credit Reporting Act ( FCRA ), I am demanding : Full investigation into each disputed item Removal of all unverified, inaccurate, and unauthorized information Written confirmation of corrections and deletions Protection against further false reporting These inaccuracies are harming my creditworthiness and causing financial hardship.

I request that the CFPB intervene immediately to ensure my rights under federal law are upheld.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding is reporting multiple inaccurate, incomplete, and duplicate tradelines on my credit report. LVNV is reporting the same underlying debts under several variations ( LVNV, LVNVFUNDG, and accounts derived from XXXX Fingerhut/WebBank ), resulting in duplicate collections, illegal re-aging, and conflicting status codes across all three credit reporting agencies ( XXXX, XXXX, and XXXX  XXXX. 

The tradelines contain chronologically impossible dates, including last payment dates that precede the opened dates, which is an FCRA violation. Some entries show 120 days late while others show collection/charge-off for the same debt. LVNV is also failing to report the accounts consistently as disputed, violating FCRA 1681s-2 ( a ) ( 3 ).

These actions violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( furnishing inaccurate information ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report disputes correctly ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( failure to provide correct DOFD ) 15 U.S.C. 1681e ( b ) ( consumer report accuracy standards )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
i.Q. Data XXXX agreed to close the account and allow up to 45 days to remove the negative mark. It has been more than 45 days and the mark is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have never received any purchase agreement letter proving Resurgent/ LVNV has lawfully purchase the alleged debt. I need this alleged debt verified and fill payment history.

If LVNV can not produce the purchase agreement letter they can not prove they own the alleged debt and have violated my rights by causing irrepitable harm to my credit by their negative tradeline reporting. If no purchase agreement letter can be produced the must immediately delete all negative reports made and CEASE and DESIST from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
So Ive been receiving different phone calls from IQ Data stating that they would send me to court for not paying the {$4600.00} but come to find out I was told by one of the property managers at XXXX at XXXX XXXX was that I was supposed to pay off {$6000.00} but it never show that amount on the website so instead Ive asked one of the male and female workers if I could do a short payment to pay it off gon na tell me no and then saying I have to pay it now but I have nothing they decided to flag my account with one snap of a finger and I felt threatened how I was mistreated with bad customer service so I would like to dispute that amount to pay it off delete because it doesnt make any sense at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I reviewed my Experian credit report and discovered several accounts reporting inaccurate, incomplete, and unverifiable information. I formally requested verification and documentation from Experian and the data furnishers, including original signed contracts, itemized statements, payment records, repossession documentation, and proof of permissible purpose. None of this information was provided to me. 

Instead, Experian continued reporting these negative items without supplying any of the documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), FDCPA validation standards, or Metro 2 accuracy guidelines. This means the information remains unverified, yet Experian and the furnishers continue to report it as accurate. 

The accounts in question include : A {$540.00} collection from XXXX XXXX XXXX XXXX XXXX A {$500.00} charge-off from XXXX XXXX / XXXX XXXX An {$11000.00} auto loan charge-off and repossession from XXXX XXXX XXXX XXXX Late payments reported on two closed XXXX XXXX  accounts These accounts contain inconsistent payment histories, incorrect balances, incomplete reporting, and missing verification documents that Experian has been unable to provide XXXX Because Experian and the furnishers failed to provide the required proof, I am requesting that the CFPB investigate these violations and have the unverifiable or inaccurate information removed from my credit file.

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 2025-11-16 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft. 

FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 605B : Credit bureaus must block all information that results from identity theft within 4 business days of receiving a valid dispute and proof of identity.

FCRA 611 ( a ) : Requires reinvestigation of disputed information within 30 days.

FCRA 623 ( a ) ( 6 ) : Prohibits furnishers from reporting information they know or should know results from identity theft.

FCRA 609 ( a ) ( 1 ) : Grants the right to access all information in a consumers file.

FCRA 616617 : Allows consumers to pursue civil remedies for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft. 

FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 605B : Credit bureaus must block all information that results from identity theft within 4 business days of receiving a valid dispute and proof of identity.

FCRA 611 ( a ) : Requires reinvestigation of disputed information within 30 days.

FCRA 623 ( a ) ( 6 ) : Prohibits furnishers from reporting information they know or should know results from identity theft.

FCRA 609 ( a ) ( 1 ) : Grants the right to access all information in a consumers file.

FCRA 616617 : Allows consumers to pursue civil remedies for willful or negligent noncompliance.

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 2025-11-16 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: MI

Complaint narrative:
My identity was stolen while I was in XXXX  and I have all documents to support my claim. Attached is all documents and I want the credit reporting agencies to block all accounts and remove them within 4 days.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has ignored my requests for validation and standing. They have been reporting negative tradelines selectively and prejudiciously attempting to coerce me into making a payment, though, they have not printed standing, are not the XXXX of the Note ( XXXX XXXX is ), in bad faith attempted to finally record an assignment during litigation. Some months they will be Non Reporting ( NR ) while all the months they will issue a XXXX days late tradeline. My co-signer and I have been hit with irrepitable harm due to their unjustified reporting. 
Comparing the public facing account summary with their internal account summary shows MULTIPLE Ghost ledger entries. They are the alleged servicer and are supposed to be receiving payments and applying them properly, yet, they pretend to apply payment to P & I and escrow yet they actually place the payment in Suspense, giving them full control of the fun still. They then carry the payments in suspense forward sometimes for beyond 140 days and 200 days then carry it over as a payment with zero amounts being applied to P & I and Escrow. They will show charges and have entries on there internal account summary yet these entries are omitted from my public facing account summary. 
They have suspicious charges for home insurance premium at the end of a year yet at the same time showing my insurance premiums were paid in full in XXXX as the policy goes from XXXX to XXXX. They have charge me multiple corporate advances as well as property inspections yet I received no notice prior to or after any supposed property inspection was conducted. No report has ever been provided. 
They have never provided me with account summaries for the years XXXX. I only have account summaries from 2020 to the present So I'm missing account summaries for 3 years. XXXX XXXX XXXX XXXX Is in breach of their fiduciary duty, in violation of NYRPL 291 & 316. They're missing account some reason bookkeeping deficiencies, constructive misapplication and ledger discrepancies, concealment and documentary discrepancies. These are not one off violations but are repeatedly done and show a pattern which could result in XXXX XXXX or XXXX XXXX charges. 

I am happy to sent your office via certified mail or email any documentation you request. I have diligently thumbed through there internal account summary ledger as well as my public facing account summary and have clearly outlined the ghost ledger entries, entries showing on their internal account summary ledger yet are omitted from the public facing ledger, etc..

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 2025-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has ignored my requests for validation and standing. They have been reporting negative tradelines selectively and prejudiciously attempting to coerce me into making a payment, though, they have not printed standing, are not the XXXX of the Note ( XXXX XXXX is ), in bad faith attempted to finally record an assignment during litigation. Some months they will be Non Reporting ( NR ) while all the months they will issue a XXXX days late tradeline. My co-signer and I have been hit with irrepitable harm due to their unjustified reporting. 
Comparing the public facing account summary with their internal account summary shows MULTIPLE Ghost ledger entries. They are the alleged servicer and are supposed to be receiving payments and applying them properly, yet, they pretend to apply payment to P & I and escrow yet they actually place the payment in Suspense, giving them full control of the fun still. They then carry the payments in suspense forward sometimes for beyond 140 days and 200 days then carry it over as a payment with zero amounts being applied to P & I and Escrow. They will show charges and have entries on there internal account summary yet these entries are omitted from my public facing account summary. 
They have suspicious charges for home insurance premium at the end of a year yet at the same time showing my insurance premiums were paid in full in XXXX as the policy goes from XXXX to XXXX. They have charge me multiple corporate advances as well as property inspections yet I received no notice prior to or after any supposed property inspection was conducted. No report has ever been provided. 
They have never provided me with account summaries for the years XXXX. I only have account summaries from 2020 to the present So I'm missing account summaries for 3 years. XXXX XXXX XXXX XXXX Is in breach of their fiduciary duty, in violation of NYRPL 291 & 316. They're missing account some reason bookkeeping deficiencies, constructive misapplication and ledger discrepancies, concealment and documentary discrepancies. These are not one off violations but are repeatedly done and show a pattern which could result in XXXX XXXX or XXXX XXXX charges. 

I am happy to sent your office via certified mail or email any documentation you request. I have diligently thumbed through there internal account summary ledger as well as my public facing account summary and have clearly outlined the ghost ledger entries, entries showing on their internal account summary ledger yet are omitted from the public facing ledger, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I have been trying for at least the last two months to have my loan with MOHELA, previously on the XXXX Plan, out of administrative forbearance so that I can actually begin autopay and get the interest savings ( 0.25 % ). I have repeatedly messaged MOHELA requesting that they remove the forbearance so I can start the autopay, though I do not have the exact dates because their website will not let me locate the messages I have previously sent them. I have had no reply from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXX is reporting inconsistent balances, missing XXXX, and conflicting charge-off information across the CRAs. Missing critical data makes the account incomplete and unverifiable.

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXX is reporting inconsistent balances, missing XXXX, and conflicting charge-off information across the CRAs. Missing critical data makes the account incomplete and unverifiable. 

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Cancelled a purchase and never received a refund. Company is not helping to resolve the dispute, or giving me informaiton about progress. Transaction needs to be refunded.

Request Reference Number : XXXX

Company response to consumer: Closed with explanation