vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: IL

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 XXXX 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 XXXX  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 2025-11-29 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: NY

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate, conflicting, and unverifiable information regarding the above account, and they have failed to respond to multiple direct disputes sent by certified mail. 

XXXX. XXXX Failed to Respond to XXXX Certified Disputes I mailed XXXX XXXX : XXXX  Request for Verification on XX/XX/year> ( See attached PDF pages XXXX for the original letter, ID, XXXX card, and utility bill. ) XXXX & Final Notice on XX/XX/year> ( See PDF pages XXXX includes Texas ID and XXXX card again. ) XXXX never responded to either dispute. 
This violates FCRA 623 ( b ) ( failure to investigate a direct dispute ). 

XXXX. XXXX is Reporting Conflicting Information to Different Bureaus Equifax deleted the account or updated it to {$0.00} in Good Standing, meaning XXXX could not verify the debt. 

Experian is still reporting : Charge Off {$1900.00} balance Unpaid Balance Reported as a Loss by XXXX XXXX Dispute Resolved Consumer Disagrees These XXXX outcomes can not both be correct. 
XXXX is furnishing inconsistent, unverifiable information, violating : FCRA 607 ( b ) Maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) Can not report information known to be inaccurate FCRA 623 ( b ) Must correct or delete information that can not be verified XXXX. XXXX Has Not Provided a Single Document Requested Across both certified disputes, I requested : Itemized billing Final bill Date of first delinquency Account ledger Proof of charge-off Any documentation supporting the {$1900.00} balance XXXX  has provided nothing. 
Under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted.

XXXX. Experian Is Reporting Monthly Charge-Off Codes Experian is showing repeated CC codes in XXXX, which : are incorrect, indicate ongoing updates, and violate credit reporting guidelines since XXXX already told Equifax the account is resolved with {$0.00} owed. 

This harms my creditworthiness and violates FCRA accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX : XXXX Phone : XXXX XX/XX/year> LVNV Funding, LLC XXXX. XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist / Dispute of Debt Account To Whom It May Concern, I am writing regarding an account you claim I owe. I dispute the validity of this debt and request that you provide verification of the account as required under the Fair Debt Collection Practices Act ( FDCPA ). I do not owe this debt, and the dates listed are incorrect the account was never opened in XXXX. Please verify with documentation or remove it from my report Furthermore, I request that you cease all collection communications with me regarding this account, including by phone, email, or mail, until proper verification is provided. 

Additionally, I request that you remove any reporting of this account from my credit reports unless you can provide documented evidence proving that I am legally obligated to pay it. This request applies to all credit reporting agencies, including XXXX XXXX XXXX XXXX 

Please treat this letter as my formal notice to cease and desist all collection activity until the requested verification is provided. Failure to comply may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may subject you to legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion Inquiries : XXXX XXXX XXXX  : XXXX XXXX. XXXX XXXX : XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MS

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn law firm took me to court in Illinois  for a debt that was not obtained on Illinois and I was not aware of. They threatened to garnish my wages. I am a single mom trying to raise my child on XXXX income and limited XXXX  XXXX and i was XXXX  for over XXXX  months this year. I can not afford to pay them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I am filing this complaint against Absolute Resolutions Investments , LLC ( ARI ) for improper and inaccurate credit reporting, as well as failure to correct the problem after multiple disputes.

ARI is reporting a WebBank-related tradeline on my credit reports as if the account is valid and collectible. However, XXXX has now told the FDIC in writing that they can not identify or locate any account in my name ( FDIC XXXX. XXXX. XXXX and XXXX ). Despite this, ARI continues to report the account, and XXXX name has been removed and then reinserted on my credit reports during active litigation and regulatory review. 

Because of ARIs reporting, my account status is being shown as delinquent when the underlying account can not be verified and may not legally exist. I have disputed this several times, sent letters, and provided court and FDIC documentation, but ARI has not corrected or removed the tradeline. 

These actions have caused serious harm over the last XXXX years, including : Loss of business opportunities and credit-based business expansion over a XXXX period that I cant get back Being prevented from obtaining a home and a new vehicle due to damaged credit scores Emotional distress, anxiety, and ongoing stress from constantly fighting to correct inaccurate information Damage to my reputation and character ( defamation ), because my reports show me as someone who does not pay valid debts Time, energy, and costs spent in federal and state court trying to correct records and stop the reporting I am asking the CFPB to require ARI to : 1 . Delete all inaccurate tradelines related to this account from all three credit bureaus, and 2. Stop reporting or attempting to collect on any account that can not be validated by XXXX or supported by proper documentation. 

I am willing to provide the FDIC letters, XXXX correspondence, and court filings that prove ARIs reporting is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Giggle Finance Inc.
State: SC

Complaint narrative:
Giggle Finance is reporting an inquiry appearing as Giggle Finance Hard Inquiry on my credit report. I disputed this inquiry and requested all records proving permissible purpose, including the full application history, IP address logs, device ID, timestamp, authorization documents, and any communications allegedly authorizing the pull. Giggle Finance provided nothing. This violates FCRA section 604 ( a ), which requires permissible purpose, and section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ), which require reinvestigation and Method of Verification. Reporting an inquiry without proof of authorization violates section 607 ( b ) because furnishers must ensure maximum possible accuracy. Under binding principles from Federal Trade Commission commentary and CFPB enforcement actions ( e.g., XXXX XXXX consent order ), unverifiable inquiries can not remain. 



I requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, e-Oscar audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-29 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
- Purchased XXXX smart toilets and a XXXX appliance for {$940.00} on XX/XX/year> - Merchant failed to deliver the goods - Merchant admitted by text message that the goods could not be shipped - Merchant directed me to request a refund through Citi - I submitted a written dispute via fax per Citis instructions on XX/XX/XXXX including receipt of payment on XX/XX/XXXX and statement reflecting purchase on XX/XX/XXXX. 
- Citi acknowledged receipt twice by email - Citi failed to open an official FCBA dispute due solely to internal timing - No dispute ID was ever provided -Citi opened my dispute incorrectly as a fraud dispute even though I told them repeatedly by phone that I was NOT reporting fraud. I clearly stated this was a billing error involving merchandise that the merchant could not deliver. Citi misclassified the dispute, then refused to help because they said I was outside the 90-day window. This misclassification and refusal violate the Fair Credit Billing Act.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems ( NCS ) is reporting inaccurate, conflicting, and unverified information regarding the above apartment collection account. NCS has failed to validate the debt, failed to respond to disputes, and continues to illegally re-age and misreport the account across the credit bureaus. 

XXXX. NCS Refused to Accept My Dispute ( Returned Mail ) I mailed a certified dispute to National Credit Systems at their Naturally XXXX XXXX address. 
The letter was returned to sender with no delivery. 

This proves NCS refused to accept a lawful dispute, violating FCRA requirements to investigate. 

Evidence : See PDF showing the returned envelopeXXXX. I Sent a Second Certified Dispute to Their Correct Address They Still Did Not Respond On XX/XX/year>, I mailed a full dispute packet to : National Credit Systems , Inc . 
P.O. Box XXXX XXXX, GA XXXX This is their correct dispute address. 

My packet included : Full written dispute TX drivers license SSN card Proof of address Explanation of reporting errors Evidence : See pages XXXX of the attached packet. 


NCS never responded or provided validation. 

This violates FCRA 623 ( b ) ( failure to investigate after receiving a direct dispute ). 

XXXX. The Credit Reporting Is False, Conflicting, and Impossible NCS is reporting contradictory and legally impossible data : Different Last Activity Dates XXXX report shows Last Activity : XX/XX/year> Another shows Last Activity : XX/XX/year> This is illegal re-aging, violating FCRA and CFPB guidance. 

Conflicting Account Status NCS reports all three of these : Charge Off Open Collection Unpaid Balance Reported As Loss These can not all be true at the same time. 

Missing Payment History There is NO payment history, yet they report : Charge-off Ongoing delinquency Collection updates Without a ledger or supporting documentation, the debt is unverified. 

XXXX. NCS Never Provided ANY Validation I requested : Signed lease Move-out statement Final bill Itemized charges Ledger history DOFD ( Date of First Delinquency ) Proof NCS legally owns or controls the debt NCS provided none of these items.

Under FCRA 611 ( a ) ( 5 ), if a company can not verify an account, it must be deleted. 

XXXX. Continued Reporting After Failed Validation Attempts Is a Violation NCS is knowingly furnishing inconsistent and unverifiable information, violating : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Can not furnish false information FCRA 623 ( b ) Must investigate after dispute FDCPA 807 ( 8 ) False credit reporting NCS is continuing to damage my credit without proof the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I cant open an new checking account or bank account anywhere I check XXXX system and their was no pending overdraft notice or anything on my account to prevent me on opening an bank account or checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
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 response to consumer: Closed with non-monetary relief