vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal validity of several negative entries listed in my credit file dated XX/XX/year>, as reported by your agencies. These accounts contain factual inaccuracies, incomplete reporting, or unvalidated third-party collections in violation of : * * * Fair Credit Reporting Act ( FCRA ) * * 611 & 623 * * * Fair Debt Collection Practices Act ( FDCPA ) * * 807 & 809 * * * Metro 2 Credit Reporting Compliance Standards * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off with no listed charge-off date or terms ; not reported by Experian. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No charge-off documentation or clear payment history. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of assignment ; unverifiable debt. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No validation, no collection notices. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of ownership.

Laws : FCRA 623 ; FDCPA 809 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Only appears on TransUnion ; lacks creditor details or breakdown. 
Laws : FCRA 611, 623

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 2025-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Leif Technologies Inc.
State: NY

Complaint narrative:
I signed an XXXX loan in XX/XX/XXXX, originally serviced by Leif Technologies. On XX/XX/XXXX, I finally received an email from Leif stating that Leifs servicing agreement had been terminated in XXXX and my loan was assigned to XXXX and I should have received an email on XX/XX/XXXX, XXXX I never got any prior notice of that assignment. 

XXXX XX/XX/XXXX email confirmed they were now servicing my account, but they have failed to respond to multiple follow-up requests ( XX/XX/XXXX and XX/XX/XXXX ) or provide formal assignment paperwork. Because of these communication failures Ive been unable to make any payments toward my XXXX XXXX. Im requesting CFPB investigate whether Leif and XXXX complied with required notice and assignment procedures and whether UNISAs unresponsiveness violates servicer or debt-collector regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

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. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights.

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall no 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 2025-05-19 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint regarding a reinserted collection account that previously appeared on my credit report from LVNV Funding LLC. I disputed this account in XX/XX/year>, and it was deleted following that dispute due to unverifiable or inaccurate information. 

Recently, I noticed that LVNV Funding LLC has reappeared on my credit report again via XXXX XXXX XXXX XXXX  or XXXX  ). However, no written notice was ever provided to me by the credit bureau, as required by Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This section requires that the credit bureau notify the consumer in writing within five business days of reinserting any information previously deleted. 

This failure to notify me of the reinsertion is a direct violation of federal law. Additionally, I have not received any new validation of this debt from LVNV Funding, despite my prior dispute.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and that the credit reporting agency and LVNV Funding be required to : 1. Permanently delete the reinserted item from my report.
2. Provide a written explanation for the reinsertion and failure to notify.

3. Confirm compliance with FCRA obligations going forward. 



This reinsertion is unjust, unlawful, and negatively affecting my financial standing. I request this matter be resolved immediately. 

Thank you for your time and consideration. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MA

Complaint narrative:
Dear LJ Ross Associates ; THERE ARE XXXX ACCOUNTS UNDER MY PERSONAL INFORMATION. I am disputing the alleged debt your company reported from original creditor XXXX, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ). 
2. Legal basis for collection. 
3. Proof of authorization to operate in my state. 
4. Signed contract or agreement proving the debt. 
5. Full account history. 
Under FDCPA 1692g ( b ), you have XXXX  days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I deposited a {$10000.00} check and when I left there, they give me a paper saying that {$5000.00} would be in there XXXX  and done the rest of it would be in XXXX business days when I asked them about it. They said my check was put on hold because of the fraud department. I asked to speak with someone above them. They just keep telling me the check is on hold and it's because of the fraud department and we can't do anything about it. I asked the fraud them to have the fraud department call my bank in that the check came from And they said they can't call that facility because they are fraudulent. No, you're calling a facility to get a OK that the check came from them. I talked to my bank that I've been at for XXXX  XXXX. The president of the bank said that she would speak with the fraudulent department to let them know that the check was perfectly fine. They will not do anything about it. They're sitting on my money until XXXX XXXX I am getting charges coming in. I had people come to my home because I was under the impression I had {$5000.00} in my account didn't know till I went to go pay them so now I have to pay them extra. I want them to get this fixed. I want the fraudulent department to call the bank XXXX XXXX XXXX so that they can tell them that the check is good because I feel as if they're stealing my {$10000.00} from me and they just keep telling me we're not gon na do anything else about it. You will just have to wait They couldn't even give me a courtesy. Call to let me know that they were trying to put a hold on my check.

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 2025-05-19 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 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: OH

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is XXXX XXXX correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-05-19 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: DISCOVER BANK
State: GA

Complaint narrative:
LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX We Think You Could Save {$13000.00} Good Overview You've paid off 4 % of the original amount. 
Balance {$13000.00} Highest Balance {$14000.00} Monthly payment Opened Term {$390.00} XX/XX/XXXX ( XXXX mos ) 60 months LOANS XXXX XXXX XXXX  Last reported : XX/XX/XXXX We Think You Could Save {$13000.00} Good Overview You've paid off 4 % of the original amount. 
Balance {$13000.00} Highest Balance {$14000.00} Monthly payment Opened Term {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX months Wrong Addresses on my credit report usa.experian.com 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 
Wrong family name and phone numbers : 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  I have reported this person to the FTC as well and I also have a police reported date back to XXXX when I was aware. I also have a letter from the IRS confirming tax fraud in my name when I have tried to file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-19 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-19 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-19 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: GA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my XXXX XXXX My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief