vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has reported and verified information that is factually inaccurate and not consistent across all three credit bureaus. 

I properly disputed the following item ( s ), and the bureau responded with a verified result without conducting a lawful investigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ).

I have already provided multiple disputes, and other bureaus have removed these same accounts/inquiries, confirming that the information being reported here is inaccurate and unreliable. 

The bureau appears to be conducting a sham or superficial investigation, failing to provide documentation validating the item they claim to have verified. 

I am requesting the CFPB to investigate the bureaus failure to follow the FCRA, failure to conduct a reasonable reinvestigation, and failure to correct inaccurate information. I also request that this inaccurate account/inquiry be immediately deleted from my credit file. 

If the bureau continues this behavior, I will escalate this issue to the FTC and my State Attorney General, as the continued reporting of knowingly inaccurate information constitutes willful noncompliance under FCRA 616.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX # XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$1600.00} XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : $ XXXX reported in TU XXXX XXXX XXXX XX/XX/year>

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 2025-12-05 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
The defendants placed a consumer hazard insurance policy through a lender-controlled affiliate agency on XX/XX/year>, weeks before loan funding on XX/XX/year>, yet later represented that the policy was bound on the funding date. The financed contract amount ( {$120000.00} ) appears on no contract the plaintiff knowingly signed and conflicts with both the quoted price and the executed purchase agreements. This constitutes misrepresentation of origination, lender-tied insurance placement without verified borrower assent, undisclosed fee enrichment inside loan servicing or escrow, and demand for RESPA/TILA consumer XXXXraud investigation and remedy.The dealer and lender placed a hazard insurance policy through a lender-controlled affiliate on XXXX before my loan was funded on XXXX later misrepresented the binding date. The loan was funded using an Original Contract Amount of {$120000.00}, which appears on no contract I knowingly signed and conflicts with both the quoted price and the signed purchase agreements. This reflects misrepresentation at origination, unauthorized insurance placement, and undisclosed charges affecting my loan and escrow, requiring investigation under Georgia consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MS

Complaint narrative:
Despite multiple disputes and uploaded documentation, Experian has failed to address the specific dispute regarding repeated monthly " Charge-Off '' notation from XXXX. This violates FCRA 602 ( A ), 607 ( b ), and 611. Their response only 'verified " the account 's existence, but not the misleading nature of repeated monthly " CO '' entries. This has directly resulted in job loss, increased insurance rates and credit denials. I demand a full Method of Verification and immediate correction or deletion.

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 2025-12-05 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: TX

Complaint narrative:
I am extremely frustrated because inaccurate late payments are still appearing on my credit report this morning, and I honestly have no idea why. They did not disappear even after refreshing my browser, so I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ohio XXXX Social Security Number : XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX XXXX  DATE OPENED : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

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 2025-12-05 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Account : XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
XXXX. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-05 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Account : XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
XXXX. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing in response to your communication dated XX/XX/year> regarding the referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this debt.

Please consider this letter a formal request for the following documentation and information, which is necessary to verify the legitimacy and legal enforceability of this debt : Original Documentation : Provide a copy of the original agreement, contract, or application that established the debt, signed by me or otherwise legally binding.

Verification Method and Procedure : Provide a detailed explanation of the method and procedure you used to verify both the accuracy of the debt amount and my liability for it, as required under 15 U.S.C. 1692g.

Valid Chain of Assignment : Provide a complete and unbroken chain of assignment documenting the transfer of ownership of this debt from the original creditor to your agency. This should include each successive assignee and demonstrate your legal right to collect. 

Until you provide this information, I consider this debt disputed in its entirety. Furthermore, please cease all collection activities and communication, except as required by law to confirm receipt of this letter or to provide the requested validation. 

I also request that you forward a copy of this dispute to the original creditor and any other relevant entities to ensure they are aware this debt is formally disputed. 

Your failure to provide this validation within 30 days of your receipt of this letter will be considered an admission that the debt is not valid and that you lack standing to collect. I also expect all references to this account to be deleted from my credit reports if the debt can not be validated. 

Please send all correspondence regarding this matter to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
COLLECTION REMOVAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ XXXX XXXX ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 
> ACCOUNT IN DISPUTE : o Collection Agency : [ XXXX XXXX ] o Original Creditor : [ XXXX XXXX ] o Account Number : XXXX Reported Balance : $ [ XXXX ] o Date OpenedXXXX o Credit Bureau Reporting : [ Experian / Equifax / TransUnion ] LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either : XXXX o Failed to provide full chain of assignment or legal ownership, o Sent only generic billing statements or screenshots not tied to my identity, o Could not supply an original signed contract or application showing my agreement to this debt, o Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ). 7 Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. 
RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : o Immediate removal of this unvalidated debt from all consumer reporting agencies. o A review of the collector 's reporting and compliance procedures, o A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved. 
. 
Thank you for your time, oversight, and assistance in protecting consumer rights. 
Sincerely, 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 2025-12-05 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: FL

Complaint narrative:
COLLECTION REMOVAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ XXXX XXXX ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 
> ACCOUNT IN DISPUTE : o Collection Agency : [ XXXX XXXX ] o Original Creditor : [ XXXX XXXX ] o Account Number : XXXX Reported Balance : $ [ XXXX ] o Date OpenedXXXX o Credit Bureau Reporting : [ Experian / Equifax / TransUnion ] LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either : XXXX o Failed to provide full chain of assignment or legal ownership, o Sent only generic billing statements or screenshots not tied to my identity, o Could not supply an original signed contract or application showing my agreement to this debt, o Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ). 7 Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. 
RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : o Immediate removal of this unvalidated debt from all consumer reporting agencies. o A review of the collector 's reporting and compliance procedures, o A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved. 
. 
Thank you for your time, oversight, and assistance in protecting consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation