vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
DebtorXXXX XXXX XXXXXXXX XXXX XXXX card ending XXXX XXXX last Ss # XXXX was never late on any payments until XXXX  XXXX XXXX filed XX/XX/year>. During the filing period and automatic stay and legal protection, Although debtor was never late prior to filing XXXX XXXX XXXX Reported Derogatory Late Payments despite being served creditor notice from XXXX  court. Please see attached notice and comply with law and take ownership of reporting falsified information to all XXXX  major credit bureaus to reflect protection until XX/XX/year>. Per Federal Laws please report accurately during automatic stay. Request Consumer Financial Protection Bureau for review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this dispute to TransUnion to address several inaccurate and unverifiable accounts currently reflected on my credit report. I take my credit profile seriously and am committed to ensuring it accurately represents my financial history. Under the Fair Credit Reporting Act ( FCRA ), TransUnion must verify each item reported and remove or correct any entry that can not be substantiated by reliable evidence. 

Upon review, I found that multiple XXXX XXXX XXXXXXXX XXXX XXXX accounts appear to be duplicated, showing identical account numbers with different open dates and balances. In addition, several charged-off and zero-balance accounts continue to appear as derogatory, which is misleading and unfair. 

Accounts in Question ( TransUnion ) : XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX Multiple entries under # XXXX and # XXXX, open XXXX, balances {$1600.00} {$11000.00} XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX Account # XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  Account # XXXX, XX/XX/XXXX XXXX {$1700.00} XXXX  Account # XXXX, XX/XX/XXXX, {$4300.00} XXXX Account # XXXX, XX/XX/XXXX, {$5600.00} Reason for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX  accounts appear multiple times with identical information but differing amounts and dates, which suggests duplicate reporting errors. Additionally, several accounts showing a {$0.00} balance continue to appear as charged off or derogatory, which misrepresents the true account status. 

I request that TransUnion verify the legitimacy of these accounts, ensure there are no duplicates, and remove any unverifiable or inaccurate items. If verification can not be completed within the FCRA timeline, these accounts must be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue XXXX  and XXXX  disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the XXXX  caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding LVNV FUNDING LLC in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the LVNV FUNDING LLC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Florida Without proof of ownership or a chain of title, LVNV FUNDING LLC has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

3. A complete investigation by your agency into LVNV FUNDING LLC 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : LVNV FUNDING LLC Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services of Iowa Inc.
State: IL

Complaint narrative:
CREDIT BUR SERV OF IOW is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT BUR SERV OF IOW is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint because Equifax is reporting a medical collection account on my credit file that is incomplete, unverifiable, and not available for me to dispute directly through their system. 



The account appears on my Equifax report as follows : - Account Number : XXXX - Balance : {$710.00} - Account Type : Medical Collection Account - Date Opened : XX/XX/XXXXXXXX  - Status Updated : XX/XX/XXXXXXXX  - No original creditor listed - No collection agency name provided - No contact information or address provided- Not available to dispute online This account does not contain the legally required information needed for me to verify its accuracy. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to consumer reporting agencies must be accurate, complete, and verifiable. Because Equifax fails to list : - The original medical provider- The collection agency name - The collectors contact information - The original date of service, or date of first delinquency I am unable to determine whether this account belongs to me, and I am unable to exercise my right to dispute it through Equifax directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Your company is in violation of the FCRA and XXXX Compliance standards. Specifically, you are violating : - JPMCB AUTO - {$60000.00} - Account # XXXX - Date Opened : XX/XX/XXXX - JPMCB AUTO - {$30000.00} - Account # XXXX - Date Opened : XX/XX/XXXX XXXX U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which clearly states that transactions or experiences between the consumer and the person making the report are not included in consumer reports. 

15 U.S.C. 1681s-3, which relates to the responsibilities of information furnishers.

The above section, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information. 

The reporting of excluded information is a clear violation of XXXX Compliance standards. I demand that you provide me with the XXXX Compliance disclosure regarding reporting transactions to a consumer reporting agency. 

I need the transactions reported on the dates listed deleted from my consumer reports effective immediately. 

Please note that I am not requesting validation or verification of these late payments. Therefore, do not reply with a validation response to waste my time. 

Furthermore, 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I need the above LATE PAYMENTS deleted from my consumer reports without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
A collection account furnished by The Bureaus Inc was previously deleted from my XXXX  credit report after being found inaccurate, unverified, and unsupported by the furnisher. Another major credit bureau also deleted the same account as unverifiable. Despite this, XXXX  recently reinserted the deleted account without providing the required 5-day written notice of reinsertion. 

XXXX actions violate multiple provisions of the Fair Credit Reporting Act, including but not limited to FCRA 607 ( b ), 611 ( a ) ( 1 ), and specifically the reinsertion rule in 611 ( a ) ( 5 ) ( B ). A credit bureau is prohibited from reinserting a deleted account unless the furnisher submits certified new information that was not part of the original investigation AND the bureau provides written notice to the consumer within five business days. No such notice was provided and no certified new information was offered. 

I previously requested verification, documentation, and the basis for reporting. XXXX  and the furnisher failed to produce any evidence demonstrating ownership of the account, accuracy of the balance, chain of title, or liability. Reinserting an account that was already removed for lack of verification, and doing so without the required procedural safeguards, constitutes a serious compliance failure. 

The reinsertion appears to be unlawful and in violation of core FCRA reinvestigation and accuracy obligations. I am requesting that the CFPB require TransUnion to ( 1 ) permanently delete the reinserted account, ( 2 ) produce the certified evidence they relied upon ( if any ), ( 3 ) document their reinsertion procedures, and ( 4 ) confirm corrective action to prevent future violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 am writing to formally dispute the accuracy of the following accounts listed on my credit report. I believe these accounts contain errors and need to be corrected as per the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute, separated by each credit bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$970.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this statement as a consumer who is actively working to repair and correct my credit history. I recently reviewed my Equifax credit report and discovered that certain accounts are being reported inaccurately or without proper verification. I am requesting a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which gives consumers the right to dispute and correct incomplete or inaccurate information. 

It is very important that all information reflected in my Equifax file be accurate, verifiable, and up to date. I am also requesting that any outdated or unverifiable addresses associated with my credit profile be reviewed and deleted if they are no longer connected to any active, verified accounts. 

Accounts in Question ( Equifax ) : XXXX XXXX  Account # XXXX, charged off XX/XX/year>, balance {$1700.00} XXXX Account # XXXX, charged off XX/XX/year>, balance {$5700.00} XXXX Account # XXXX, charged off XX/XX/year>, balance {$5600.00} Reason for Dispute : These accounts are being reported as charged off, but I have not received any valid documentation from either Equifax or the furnishers that verifies the accuracy, ownership, or current standing of these debts. I respectfully request that Equifax obtain direct verification from the original creditors, including the signed contracts, complete payment histories, and evidence showing the validity of each account. 

If Equifax can not obtain complete and verifiable documentation from the data furnishers within the statutory period, these accounts should be permanently deleted as unverified entries under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my concern regarding the recent closure of my Citi XXXX XXXX card. After opening the account, I promptly complied with your request for the 4506 form and submitted it within the required timeframe. I later confirmed that Citi had received the documentation. 

Despite completing everything asked of me, my account was abruptly closed without explanation, and it appears my submitted documents were not processed at all. 

I respectfully request clarification on ( 1 ) why the account was closed, and ( 2 ) why the documentation I provided was disregarded. Please investigate this matter and provide a detailed response.

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 monetary relief
Consumer complaint received 2025-11-28 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This furnisher is reporting inaccurate and false information in violation of FCRA 1681s-2, FDCPA 1692e and XXXX guidelines . I requested validation and documentation, and they failed to validate the debt.This is my second attempt reuqesting validation. Under FCRA 602A, FCRA 607 ( b ), FDCPA 807 and 809 ( b ), and XXXX reporting requirements, furnishers must ensure information is accurate and verifiable. Please investigate and require them to provide : Proof of contract with my signature, itemized breakdown of the debt, chain of custody from original creditor. Until they provide documentation, they are reporting inaccurate information and must delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company reported a debt I do not owe. I disputed it with XXXX  and confirmed my balance was {$0.00} through the apartments portal. The company ignored this and did not correct the false report.

Company response to consumer: Closed with explanation