vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
To Whom It May Concern : This letter is in response to your communication and the Consumer Financial Protection Bureau ( CFPB ) inquiry dated XX/XX/year>, concerning the alleged account you claim is owned by LVNV Funding LLC.

Please be advised that I have no contract or agreement with LVNV Funding LLC. I did not sign, apply for, or authorize any credit relationship with this company. Therefore, I do not owe LVNV Funding LLC any debt. 
Additionally, I have reviewed the information reported to the CFPB and noticed that the address listed on your submitted documentation was changed to reflect my current addressan address that I did not provide or authorize you to use. This raises serious concerns about the accuracy and integrity of your account information and your handling of personal identifying data. 
If you believe this alleged debt is valid, I am requesting strict proof of the following under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : XXXX. The original signed agreement or application bearing my signature. 
XXXX. Documentation explaining how and when my current address was associated with this alleged account. 
Until you provide this documentation, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. Any further attempts to collect or misrepresent information about this alleged account will be documented and reported to the CFPB as additional violations. 
Additional Statement for Record : The documentation provided by LVNV Funding LLC and Resurgent Capital Services does not constitute proper validation of debt under the Fair Debt Collection Practices Act. The so-called proof consists of recreated billing statements and a self-generated account summary that Resurgent admits was not issued by the original creditor. 
Furthermore, the address shown on later statements ( XXXX XXXX XXXX ) differs from earlier ones ( XXXX XXXX XXXX XXXX XXXX ), demonstrating that Resurgent or its affiliates altered account information without my authorization. This raises serious concerns about data accuracy and account tampering. 
Because I never signed any contract with LVNV Funding LLC, and they have failed to produce a legally sufficient chain of title or original signed agreement, I continue to dispute the validity of this alleged debt and owe nothing to LVNV Funding LLC. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under XXXX account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 XXXX 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 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:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime will not close my accout and give me a new route or accout number. Every month the same Fraud activity for years.I constantly complain.Tell him to change my routing number in the accout number.They can't do it.I need to know why my social security bounded to the routing number in account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX XXXX in Colorado helped me acquire an apartment at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Approximately the corner of XXXX and XXXX In or about XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) helped me with down payment and monthly rent. The apartment didnt work out. For numerous reasons, the apartment managers at XXXX XXXX XXXX XXXX and I somewhere at the end of XXXX, beginning XX/XX/XXXX signed an agreement to move out with no further action, a mutual agreement. To my knowledge rent was paid up. I wanted out and they wanted their apartment back so it was a mutual signed agreement. I had friends help me move out I believed was the end of the story. In XX/XX/XXXX or in XX/XX/XXXX I received a phone call from XXXX XXXX collection agency that Ive never heard of and never signed any documents with that stating I owed them {$6500.00}. Was told that this was going to be attached to my credit report if I didnt pay. I responded and said I never met you. Ive never signed any papers with you. Dont call me back, I received several calls after that. Just pulling my credit report this past week I realize that they did follow through with threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a follow-up complaint regarding [ Experian / Equifax / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Charged-Off Accounts XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$920.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$160000.00XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX dispute the accuracy and completeness of these accounts. Please verify directly with the creditors. Any account that can not be verified should be removed or corrected. 

Inquiries XXXX  Date : XX/XX/XXXX I dispute this inquiry. Please verify authorization and remove it if unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-31 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: TX

Complaint narrative:
Subject : Formal Complaint Violations of FCRA and TILA by Experian To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Experian. Despite multiple written disputesLetter XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. 
Nature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Creditor Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Legal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law.

15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.

15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.

15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.

15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures Experian failed to provide accurate disclosures regarding the status of the account in accordance with the TILA.

Federal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws.

Public Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.

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 2025-10-31 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: NC

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 explanation
Consumer complaint received 2025-10-31 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I disputed an account on my TransUnion credit report that does not belong to me. TransUnion reported that the information was " verified '' by the furnisher. However, I have no relationship or knowledge of this account. I believe the furnisher and TransUnion failed to conduct a reasonable investigation as required by the FCRA.

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