vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX for illegally reporting inaccurate information on my credit file, in violation of multiple federal consumer protection laws. 

XXXX, XXXX has failed in its legal duty to ensure that the information it reports is accurate and complete. The case of XXXX XXXX XXXX  XXXX clearly established the affirmative responsibility of credit reporting agencies to investigate and correct inaccuracies once a consumer disputes an item. XXXX  continued reporting of false, misleading, and unverifiable information is a gross violation of established federal law and my consumer rights. 

Specifically, XXXX, XXXX is violating : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy of the information in my consumer file.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Failure to properly investigate and correct disputed information in a timely manner.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputed information after notice from a credit reporting agency.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 : Unauthorized sharing of my private financial information without proper notice or consent. 

I have made good-faith efforts to dispute and correct these inaccuracies, but XXXX, XXXX has demonstrated reckless disregard for the truth and for federal law, causing harm to my credit standing and financial wellbeing. 

Attached is clear documentation outlining the inaccurate information and my previous communication efforts to resolve the matter. XXXX  behavior is not only unlawful, but also abusive to consumers who rely on fair and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding ACCT XXXX XXXXXXXX Amount : {$740.00} XXXX XXXX XXXX This company has been misreporting this account as a third party, as an obligation owed by XXXX XXXX XXXX. 

31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( XXXX ) a loan agreement showing the amount and terms of repayment This statute CLEARLY outlines the above account as a UNITED STATES GOVERNMENT OBLIGATION ( emphasis added by me ). Therefore, I once again, demand that LVNV Funding immediately cease all negative reporting to the credit bureaus on my behalf and delete these reports to the credit bureaus within XXXX days of the receipt of this dispute. Failure to correct the reporting for this account will result in a lawsuit that outlines all of the attempts I have made to get this rectified, which will also show that LVNV Funding as well as the reporting agencies have been knowingly and intentionally providing false information regarding this account which is in direct violation of not only the United States Code but the FRCA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX, XXXX  - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive contacted Experian twice in reference to an address that is reporting on my credit report account is incorrect. Ive never lived at the address. I was told that it couldnt be removed regardless. I advised them that they were reporting inaccurate info. The last contact made to them was on 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 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported on my credit reports by XXXX furnishers : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding the following accounts : XXXX. XXXX XXXX XXXX XXXX : Charged off. {$9900.00} written off, {$9900.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting from XXXX through XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off. {$17000.00} written off, {$17000.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting from XX/XX/XXXX through XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX : Charged Off Debt {$11000.00}. 
XXXX. XXXX XXXX : In Collections : {$1600.00} identity fraud I formally submitted written disputes under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX to both institutions requesting : A certified copy of the original signed contracts bearing my signature. 

Full payment histories and accounting records. 

Documentation proving permissible purpose under FCRA XXXX. 

Proof of lawful standing and authority to report or collect. 

Proof that notices of dispute were properly placed within XXXX  days. 

Neither institution provided the required documentation within the legally mandated timeframe. Despite their failure to validate the debts, both continue to report derogatory and damaging information. 

I also invoked the maxim Truth is sovereign in commerce, requiring verifiable, sworn evidence of any financial obligation. No such evidence was provided. 

Their actions violate my rights under the FCRA and potentially constitute misrepresentation in commerce.

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 2025-04-26 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Closed XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX 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 2025-04-26 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Closed XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing this complaint against Truist Bank for inaccurate and derogatory reporting of an account ( Account Number XXXX ) to the EXXXX XXXX XXXX XXXX credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness. 
The account is reported with a derogatory status and inconsistent payment records across from my credit report.. The payment history reflects inaccurate records, which contradict the reported derogatory status. These discrepancies indicate a failure to validate the reported information, violating FCRA Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). I mailed a dispute letter to Truist Bank on XX/XX/year>, Truist Bank has failed to investigate and correct the inaccurate reporting, further violating FCRA Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) ).

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 2025-04-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-26 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: AZ

Complaint narrative:
XXXX XXXX has engaged in willful, knowing, and repeated violations of federal law by misreporting a legally settled and XXXX account as derogatory, " charged off, '' and " settled for less than owed '' despite a signed settlement agreement, full payment, issuance of a XXXX ( Cancellation of XXXX ), and their own internal records confirming a {$0.00} balance. 
After I formally disputed the inaccurate reporting, XXXX maliciously verified the false tradeline as " accurate '' not once, but twice in XXXX and XX/XX/XXXX and added the intentionally misleading remark " Consumer disputes after resolution '' in a blatant attempt to fabricate closure where none exists. 
XXXX XXXX 's conduct is not negligent ; it is calculated, reckless, and performed with full knowledge of its illegality under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), IRS regulations, and XXXX  state law. 
Furthermore, XXXX 's XXXX  XXXX XXXX License ( License No. XXXX ) expired on XX/XX/XXXX, yet they continued to engage in unauthorized collection and credit reporting activities targeting XXXX residents XXXX lawful registrationconstituting violations of XXXX. XXXX, XXXX, and XXXX. 
As a direct result of XXXX  misconduct, I have suffered : Substantial actual economic damages from vehicle financing denials, forced vehicle rental expenses, and loss of access to credit, Emotional distress and reputational harm tied directly to false tradeline reporting, Exposure to improper tax reporting violations due to mishandled XXXX procedures, In addition, XXXX  is XXXX to civil penalties under XXXX  law XXXX at least {$100000.00} for multiple violations of A.R.S. XXXX. 
The total financial exposure, including actual damages, statutory fines, punitive damages, and civil penalties, exceeds {$2.00} XXXX. 
I am demanding : Immediate deletion of the XXXX XXXX XXXX XXXX credit bureaus, Formal investigation and maximum enforcement of all state and federal violations, Full financial restitution for actual, statutory, and punitive damages under applicable laws. 
I am also reserving all rights to pursue independent civil litigation and class action remedies against XXXX XXXX for systemic consumer fraud and regulatory violations. Their continued defiance of federal and state law demands maximum legal and regulatory enforcement without exception.

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 2025-04-26 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: AZ

Complaint narrative:
XXXX XXXX has engaged in willful, knowing, and repeated violations of federal law by misreporting a legally settled and XXXX account as derogatory, " charged off, '' and " settled for less than owed '' despite a signed settlement agreement, full payment, issuance of a XXXX ( Cancellation of XXXX ), and their own internal records confirming a {$0.00} balance. 
After I formally disputed the inaccurate reporting, XXXX maliciously verified the false tradeline as " accurate '' not once, but twice in XXXX and XX/XX/XXXX and added the intentionally misleading remark " Consumer disputes after resolution '' in a blatant attempt to fabricate closure where none exists. 
XXXX XXXX 's conduct is not negligent ; it is calculated, reckless, and performed with full knowledge of its illegality under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), IRS regulations, and XXXX  state law. 
Furthermore, XXXXXXXX XXXX  XXXX  XXXX XXXX License ( License No. XXXX ) expired on XX/XX/XXXX, yet they continued to engage in unauthorized collection and credit reporting activities targeting XXXX  residents XXXX lawful registrationconstituting violations of XXXX. XXXX, XXXX, and XXXX. 
As a direct result of XXXX  misconduct, I have suffered : Substantial actual economic damages from vehicle financing denials, forced vehicle rental expenses, and loss of access to credit, Emotional distress and reputational harm tied directly to false tradeline reporting, Exposure to improper tax reporting violations due to mishandled XXXX procedures, In addition, XXXX is XXXX to civil penalties under XXXX  law XXXX at least {$100000.00} for multiple violations of A.R.S. XXXX. 
The total financial exposure, including actual damages, statutory fines, punitive damages, and civil penalties, exceeds {$2.00} XXXX. 
I am demanding : XXXX deletion of the XXXX XXXX XXXX XXXX credit bureaus, Formal investigation and maximum enforcement of all state and federal violations, Full financial restitution for actual, statutory, and punitive damages under applicable laws. 
I am also reserving all rights to pursue independent civil litigation and class action remedies against XXXX XXXX for XXXX XXXX XXXX and regulatory violations. Their continued defiance of federal and state law demands maximum legal and regulatory enforcement without exception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: AZ

Complaint narrative:
XXXX XXXX has engaged in willful, knowing, and repeated violations of federal law by misreporting a legally settled and XXXX account as derogatory, " charged off, '' and " settled for less than owed '' despite a signed settlement agreement, full payment, issuance of a XXXX ( Cancellation of XXXX ), and their own internal records confirming a {$0.00} balance. 
After I formally disputed the inaccurate reporting, XXXX maliciously verified the false tradeline as " accurate '' not once, but twice in XXXX and XX/XX/XXXX and added the intentionally misleading remark " Consumer disputes after resolution '' in a blatant attempt to fabricate closure where none exists. 
XXXX XXXX 's conduct is not negligent ; it is calculated, reckless, and performed with full knowledge of its illegality under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), IRS regulations, and XXXX  state law. 
Furthermore, XXXX 's XXXX  XXXX XXXX License ( License No. XXXX ) expired on XX/XX/XXXX, yet they continued to engage in unauthorized collection and credit reporting activities targeting XXXX  residents XXXX lawful registrationconstituting violations of XXXX. XXXX, XXXX, and XXXX. 
As a direct result of XXXX  misconduct, I have suffered : Substantial actual economic damages from vehicle financing denials, forced vehicle rental expenses, and loss of access to credit, Emotional distress and reputational harm tied directly to false tradeline reporting, Exposure to improper tax reporting violations due to mishandled XXXX procedures, In addition, XXXX  is XXXX to civil penalties under XXXX  law XXXX at least {$100000.00} for multiple violations of A.R.S. XXXX. 
The total financial exposure, including actual damages, statutory fines, punitive damages, and civil penalties, exceeds {$2.00} XXXX. 
I am demanding : Immediate deletion of the XXXX XXXX XXXX XXXX credit bureaus, Formal investigation and maximum enforcement of all state and federal violations, Full financial restitution for actual, statutory, and punitive damages under applicable laws. 
I am also reserving all rights to pursue independent civil litigation and class action remedies against XXXX XXXX for XXXX XXXX XXXX and regulatory violations. Their continued defiance of federal and state law demands maximum legal and regulatory enforcement without exception.

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 2025-04-26 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Closed XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} XXXXXXXX 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