vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputing multiple inaccurate or unverifiable items listed on my Experian credit report dated XXXX XXXX,2025. These accounts may contain violations of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practice Act ( FDCPA ). I request a reinvestigation in accordance with 15U.S.C1681i, and removal of any item that can not be fully verified within 30 days.

Issues : Reports a delinquency date before account opening-possible illegal re-aging under 15 U.S.C.1681c ( a ) ( 4 ).

No original creditor documentation provided, in violations of FDCPA 1692g.

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 2025-08-18 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: TX

Complaint narrative:
Disputing multiple inaccurate or unverifiable items listed on my XXXX  credit report dated XXXX XXXX2025. These accounts may contain violations of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practice Act ( FDCPA ). I request a reinvestigation in accordance with 15U.S.C1681i, and removal of any item that can not be fully verified within 30 days.

Issues : Reports a delinquency date before account opening-possible illegal re-aging under 15 U.S.C.1681c ( a ) ( 4 ).

No original creditor documentation provided, in violations of FDCPA 1692g.

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 2025-08-18 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:
Disputing multiple inaccurate or unverifiable items listed on my XXXX  credit report dated XXXX XXXX,2025. These accounts may contain violations of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practice Act ( FDCPA ). I request a reinvestigation in accordance with 15U.S.C1681i, and removal of any item that can not be fully verified within 30 days.

Issues : Reports a delinquency date before account opening-possible illegal re-aging under 15 U.S.C.1681c ( a ) ( 4 ).

No original creditor documentation provided, in violations of FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
I don't recognize these addresses, please remove from my credit report. Thank you.

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 2025-08-18 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: NY

Complaint narrative:
Experian is reporting inaccurate information on my credit file. Specifically, two closed XXXX ( XXXX ) credit card accounts are being reported with inflated utilization percentages, post-closure derogatories, and balances that misrepresent my present liability. This reporting is misleading, harms my credit standing, and violates the Fair Credit Reporting Act ( FCRA ). 
am requesting that these inaccurate XXXX tradelines be deleted from my Experian report, unless Experian and XXXX can provide legally sufficient documentation ( such as the original signed agreement ) proving that I am the account holder. If they can not, the accounts must be removed in their entirety.

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 2025-08-18 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: GA

Complaint narrative:
I recently was alerted of fraudulent activity on my credit report for the account listed : XXXX XXXX XXXX there was a delinquency reported which is not accurate. I have not been delinquent on this account. 

I was involved in a internet scam while attempting to apply for a passport through usapassportonline.org on the website my personal data including my name SSN, DOB, address and other personal information was exposed.

I am not familiar with this delinquency, I have alerted identify theft.

Please update and remove the delinquency, as it is NOT ACCURATE.

I have attached my VERIFICATION 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently was alerted of fraudulent activity on my credit report for the account listed : XXXX XXXX XXXX there was a delinquency reported which is not accurate. I have not been delinquent on this account. 

I was involved in a internet scam while attempting to apply for a passport through usapassportonline.org on the website my personal data including my name SSN, DOB, address and other personal information was exposed.

I am not familiar with this delinquency, I have alerted identify theft.

Please update and remove the delinquency, as it is NOT ACCURATE.

I have attached my VERIFICATION 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
This is an ongoing issue. XXXX refund letters dated XX/XX/XXXX for payments made in XXXX. XXXX of the letters were addressed to me and XXXX letter to my grandmother. I was not aware of the refunds until I received the letters due to I paid at a MoneyGram location each time. I had requested a transaction history ledger from money and was never advised that I had refunds. I responded via email in XX/XX/XXXX at XXXX requesting the refunds and advising that all of the payments should have been addressed to me due to my grandmother died in XX/XX/XXXX, therefore she could not make any payments and I showed my drivers license. I advised that the bill is in my grandmothers name. I asked what MoneyGrams policy for issues such as this because there should be a timeframe of in which letters are mailed. Are there more transactions that did not get accepted and if so where are the letters. Was MoneyGram intending to keep the money or were payments returned by XXXX XXXX. I got a response that the refund was available and only XXXX refund was available. I emailed MoneyGram advising of this and also advising that I have a lawyer and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Re : Formal Dispute of Inaccurate Collection Account Reporting To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i regarding the account being reported by XXXX XXXX XXXX XXXX in the amount of {$5200.00}. This account is fraudulent, unverifiable, and must be removed immediately. 
I have previously disputed this account, and has failed to perform a reasonable reinvestigation as required by law. Continuing to report this item without verified documentation is a clear violation of federal law. Under 15 U.S.C. 1681c-2 ( a ), you are required to block and delete all information relating to an account resulting from identity theft or unverifiable information. Unless you can provide me with original signed contracts or documented proof linking me to this debt, you are in violation of the FCRA by allowing this account to remain.

If this account is not removed within 15 days, I will proceed with legal action for willful noncompliance under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, court costs, and attorneys fees. 
This is my final notice. I expect written confirmation that this account has been permanently deleted. 
Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX Date of birth. XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, ACT ACCOUNT # XXXX, VIOLATED MY RIGHTS. F 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

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was informed last year that this company verified my account and sold it to an third party without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
Payment for the month of XX/XX/year> was issued on time., the financial company that holds the loan, made an incorrect charge, then made another charge on that month. With caused the original payment to be reversed, The bank said payment was issued on the day the payment was due. I have issued them statements form XXXX  XXXX XXXX and also there own website. To support this matter. 
They issued a late payment on my credit. Which is incorrect information. 
Company name is Stellantis financial.

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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-18 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-08-18 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency I never gave them consent to add this information to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt buyer, filed a lawsuit against me in XXXX XXXX XXXX ( Case No. XXXX ) on or about XX/XX/year>. XXXX claims I owe {$2300.00} allegedly originating from a XXXX XXXXXXXX XXXX account. 

XXXX lawsuit is improper and raises several legal concerns : - Chain of Title Issues : XXXX failed to provide valid, authenticated documentation showing complete chain of assignment. 
- Misrepresentation of Debt : XXXX claims ownership without sufficient proof, violating 15 U.S.C. 1692e.

- Failure to Provide Validation : XXXX did not provide proper validation upon request as required by 15 U.S.C. 1692g.

- Improper Use of Account Stated Theory : XXXX relies on 'account stated " without proving assent. 
- Ignoring Arbitration Agreement : The original XXXX XXXXXXXX XXXX XXXX Agreement includes a binding arbitration clause, which XXXX is disregarding. 
- Unfair Practices : By suing without evidence and ignoring arbitration, XXXX violates the FDCPA and CFDCPA. 
2. Harm to the Consumer- I have been forced to defend myself in court, incurring stress, lost time, and potential financial costs. 
XXXX XXXX  conduct has caused confusion regarding the validity of the alleged debt. 
- The lawsuit appears designed to pressure settlement despite XXXX lack of evidence

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 2025-08-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation