vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
I received a 90 day late notice in XXXXXXXX XXXX XXXX while my student loan was in deferment. I was never notified of a past due balance and only became aware of the situation when I received notice that my credit score had dropped due to 90 day late payment. 

I reached out to XXXX who agreed with me and sent a letter to acknowledge their wrongdoing. I provided said letter to the credit bureaus and yet 2 years later this still shows as a negative account on my credit report.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX 90 DAY LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
I received a 90 day late notice in XXXXXXXX XXXX XXXX while my student loan was in deferment. I was never notified of a past due balance and only became aware of the situation when I received notice that my credit score had dropped due to 90 day late payment. 

I reached out to XXXX who agreed with me and sent a letter to acknowledge their wrongdoing. I provided said letter to the credit bureaus and yet 2 years later this still shows as a negative account on my credit report.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX 90 DAY LATE

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 2025-10-02 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I am filing this complaint because XXXX ( XXXX ) is reporting false late payments for XX/XX/2025 and XX/XX/2025 across Experian, XXXX, and TransUnion. These reports are inaccurate, harmful, and violate the FCRA and TILA/Regulation Z.

Why this is inaccurate reporting : I made payments on time, but Chase failed to properly post them or applied them incorrectly.

This is a billing error under Regulation Z ( 12 C.F.R. 1026.13 ) : Category E : Payments or credits not posted.

Category D : Math or computation error.

Category F : Failure to send statements to the correct address or provide proper notice.

Reporting these tradelines as late violates : 15 U.S.C. 1666 ( b ) ( 4 ) & ( 5 ) improper reflection of timely payments and account computation errors.

12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ) requirement to provide 21-day statement notice.

15 U.S.C. 1681e ( b ) duty of maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) unverifiable data must be deleted.

15 U.S.C. 1681s-2 ( b ) furnishers duty to reasonably investigate and correct errors. 

Evidence & Documentation Demanded : I request XXXX provide : Proof of payments received and applied for XXXX & XX/XX/ 2025. 

Internal logs showing how payments were credited. 

Copies of the XXXX & XX/XX/2025 billing statements and proof of mailing/delivery. 

XXXX XXXX export codes for the tradeline ( Status, Condition, Payment Rating ).

Method of Verification ( MOV ) used to claim this information was verified. 

XXXX XXXX Compliance Fixes Required : If XXXX can not validate with hard documentation, then the lates must be corrected to : Delete ( XXXX ) or show Paid/Closed ( 13 ). 

Condition Code = AH ( Paid in Full ).

Payment Rating = Current/OK.

Balance = {$0.00} ( if closed ).

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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
I tried to reach out to support multiple times to revoke ach repayment for the payday loan, i have been trying to contact them for days, XX/XX/year>, XX/XX/year>, they are refusing to comply and will try to charge my account which will put me in financial hardship, they continue to deny my request to revoke ach. I have requested they revoke all future authorization to my bank account and debit card, I referenced the relevant section of the Electronic Fund Transfer Act and Consumer Financial Protection Bureau regulations requiring companies to comply with revocation requests. There is no clause in the law allowing companies to ignore a revocation due to their own internal policy. By refusing to process my revocation, Dave is violating federal law and putting me at financial risk. This has caused significant stress and limited access to my own funds. I am seeking the CFPBs assistance to ensure Dave immediately processes my revocation request as required by law and blocks all future debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management is reporting a collection account originally from XXXX XXXX XXXX XXXXXXXX in the amount of {$610.00}. I previously disputed this account with the CFPB and requested the original signed credit card purchase agreement, full account statements, and proof of assignment/chain of title showing that the debt was legally transferred to Trident.

Trident responded by claiming they mailed a subsequent validation notice on XX/XX/year>, but I never received the original purchase agreement. They keep dodging the original purchase agreement, and I do not want a bill of sale, internal notes, or confirmation from the original creditor I want the actual original signed agreement. 

Despite failing to provide proper validation, they continue reporting the account as verified to the credit bureaus. How is this legal? How can they keep evading the original purchase agreement and claim the account is verified without proving legal ownership? 

Under the FDCPA 1692g and FCRA 1681i, continuing to report or attempt to collect an unverifiable debt is a violation of federal law. I am requesting that CFPB require Trident to provide full validation, including the original purchase agreement, or delete the account from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the XXXX account reported on my credit file. I have previously submitted multiple disputes regarding this account, yet Experian, transunion & equifax, continue to report it as validated, despite the account containing incomplete and inconsistent information across all major credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate, complete, and verifiable information on consumer credit reports ( 15 U.S.C. 1681i ). Despite my repeated disputes, Experian has failed to correct or remove this account, which I contend contains material inaccuracies. The accounts reporting is inconsistent in areas such as : Payment history and status Account balance Date of last payment These inconsistencies suggest that the account has not been properly verified, and its continued presence on my report constitutes a violation of my rights under the FCRA. I am requesting that Experian, Transunion & equifax delete it from my credit report immedeately

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 2025-10-02 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: MA

Complaint narrative:
I am writing to formally dispute the XXXX account reported on my credit file. I have previously submitted multiple disputes regarding this account, yet Experian, transunion & equifax, continue to report it as validated, despite the account containing incomplete and inconsistent information across all major credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate, complete, and verifiable information on consumer credit reports ( 15 U.S.C. 1681i ). Despite my repeated disputes, Experian has failed to correct or remove this account, which I contend contains material inaccuracies. The accounts reporting is inconsistent in areas such as : Payment history and status Account balance Date of last payment These inconsistencies suggest that the account has not been properly verified, and its continued presence on my report constitutes a violation of my rights under the FCRA. I am requesting that Experian, Transunion & equifax delete it from my credit report immedeately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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  {$400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-02 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 filing this complaint against LVNV Funding LLC ( via Resurgent Capital Services ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

LVNV Funding is reporting a debt on my credit reports that is unverified and legally disputed.

I have repeatedly requested validation of this alleged debt under FDCPA 809 ( 15 U.S.C. 1692g ). They have failed to provide any documentation such as a signed agreement, chain of title, or account-level detail.

Instead, they continue to report this account to the credit bureaus, damaging my credit, which constitutes continued collection activity without validation in violation of FDCPA 809 ( b ). 

This debt is also being reported to the credit bureaus without proper documentation, which is a violation of FCRA 611 ( 15 U.S.C. 1681i ), requiring accurate and verifiable reporting.

This account is being verified with the bureaus without any proof of ownership, contract, or legal standing, which is not compliant with federal law. 

What I Want : Immediate deletion of this account from all credit reports ( XXXX XXXX XXXX ).

Written confirmation of validation with proper legal documents ( if such proof exists ). 

Cease all collection activity until proper validation is provided. 

This complaint is being filed because LVNV Funding has ignored my lawful demands and continues to violate FDCPA and FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IA

Complaint narrative:
I am filing this complaint because TransUnion and REC Management Services are reporting materially inaccurate and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). The disputed account is reported as follows :
Creditor/Furnisher : REC Management Services (
RECMGMT SRVC ) Account XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} Reasons for dispute and violations : 1. The tradeline shows an impossible Date Closed : XX/XX/XXXX, which predates my birth ( XXXX ) and is a material inaccuracy under the FCRA.

2. The account is reported as both Closed and Open simultaneously, which is contradictory and misleading.

3. The payment history fields show undefined/undefined/undefined, meaning there is no verifiable payment history supporting this tradeline.

4. The account is reported as a Charge-Off/Collection, but REC Management has not provided proof of ownership, assignment, or legal standing to collect or furnish this debt.

5. If the debt was charged off by the original creditor, it may have already been covered by insurance or tax benefits, making continued reporting an unlawful double recovery.

6. I received a Notice of Data Incident from TransUnion ( dated XX/XX/XXXX ) confirming that my Social Security Number and Date of Birth were compromised in a data breach. This increases the likelihood of identity misuse and calls into question the validity of this tradeline.

I disputed this account directly with TransUnion and requested reinvestigation, as well as submitted a Debt Validation request to REC Management Services. To date, no proper validation or accurate correction has been provided.

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 2025-10-02 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: GA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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