vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
New Evidence ( XX/XX/XXXX ) : Resurgent and LVNV Funding demanding payment and threatening legal action for {$770.00} Account # XXXX ( Resurgent ID XXXX ) even though XXXX Bank reports the account as charged off and {$0.00} balance, and no collection appears with any credit bureau What Happened : This is a new, non-duplicate complaint based on new evidence dated XX/XX/XXXX. Resurgent Capital Services and LVNV Funding LLC are contacting XXXX XXXX demanding payment of {$770.00} for Account Number ending in XXXX, originally issued by XXXX XXXX. Their communication states this is an attempt to collect a debt and references possible enforcement action. 

The account details provided by Resurgent are as follows : Account Number ending in XXXX, Original Creditor : XXXX XXXX, Current Owner : LVNV Funding LLC, Resurgent ID : XXXX, and Current Balance : {$770.00}. 

However, the original creditor, XXXX XXXX  XXXX XXXX, reports this account as : Account charged off XX/XX/XXXX, {$770.00} written off, highest balance {$770.00}, last payment XX/XX/XXXX, balance {$0.00}, closed, balance updated XX/XX/XXXX. This confirms the account was charged off and written off with a XXXX balance. No IRS Form 1099-C was ever issued for the {$770.00} written-off amount, confirming there is no legally recognized outstanding debt. 

No collection tradeline from XXXX or XXXX appears with XXXXXXXX XXXX XXXX XXXX. All three credit bureaus removed or suppressed the account after prior disputes. Despite this, Resurgent and LVNV continue sending payment demands and implying possible legal action for a non-existent debt. Their conduct is false, misleading, and harmful to the consumer and violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations include : 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character, amount, or legal status of a debt ; 1692f ( 1 ) attempting to collect an amount not authorized by law ; 1692c ( c ) continuing collection after dispute and validation request ; and FCRA 1681s-2 ( a ) furnishing information known or reasonably should be known to be inaccurate. Resurgents own statement confirms that if an account is not currently reporting to the credit bureaus, it will not be reported after payment processing, which shows they know the tradeline is inactive but continue to collect anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: American Financial Resources, Inc.
State: SC

Complaint narrative:
The sales contract dated XXXX between XXXX XXXX XXXX and I located at XXXX XXXX XXXX XXXX, SC XXXX. That is the mobile home park that sold the mobile home. I closed on the construction part on XX/XX/year>, with American Financial Resources XXXX located, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New Jersey XXXX to be the lender. The lender IS NOT denying access however the mobile home company is denying access to have a licensed home inspector inspect the property. The property was accessible from the time it was put together. Upon telling the sales representative XXXX XXXX we wanted to get a home inspection ; on the next day the home was locked, and access has been denied. It is my hope that you can help me get access to the property before I have to sign the final modification documents. I don't feel comfortable as a first-time home buyer completing the final modification documents without having the home inspected. I have sent emails to the mobile home company as well as the lender. I have also spoke with the manager who states all of the required inspections have been completed and he does not have to allow a home inspection to be completed, I want to reiterate the lender IS NOT denying access. The lender stated that I should be able to get the inspection done and has reached out to the mobile home company requesting they allow us to have access to have the inspection done, which they have yet to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
We have been trying to apply for a Forbearance since XXXX. We previously submitted a complaint to CFPB and after the complaint was filed, Regions then decided to process and apply a Forbearance to our account in XXXX. In we supplied Regions with updated XXXX XXXX orders and to date they refuse to update the SCRA effective dates based on my husbands current XXXX XXXX orders. Additionally, they told CFPB that they couldn't verify my husbands military status in the DOD system but we have multiple letters from them where they confirm they verified his eligibility in the DOD system so they lied to CFPB previously ( documentation attached ). We are now nearing the end of our Forbearance and reached out in XXXX to determine next steps. We were advised to call and we could extend the Forbearance. I called, the lady said it would be no problem and then decided she needed to forward me to someone else who said they new needed a new application ( even though XXXX was previously submitted ). We submitted a new application and they are again holding us XXXX. They refuse to extend the forbearance, they refuse to work with us on getting current on the payments missed during the approved forbearance period and on top of that they refuse to update the end date of my husbands military status even though we submitted a copy of his XXXX XXXX orders almost 3 months ago. It genuinly appears as though Regions is discriminating against my husband and I due to my husband 's military affiliation and they are doing everything they can to not work with us depsite our multiple attempts to work with them and try to be proactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am still seeing inaccurate accounts on my credit report and they have not been taken off. I am begging that the documents I attached are looked at carefully so I can finally stop living in constant worry over this.

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 2025-10-20 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 still seeing inaccurate accounts on my credit report and they have not been taken off. I am begging that the documents I attached are looked at carefully so I can finally stop living in constant worry over this.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-20 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: NJ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-20 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: FL

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX- {$0.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-10-20 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: CT

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I've called multiple times to discuss repayment options, each time I have called i've sat in a que for half an hour and then the line disconnects, I've also been told by the reps that transfer to the individuals that can discuss repayment options that they will not do call back and you essentially that you have to time you call just right if you want to be able to talk to somebody who can help you. It's dissapointing when an individual can make an earnest attempt to come to a repayment agreement and it seems like the lenders don't care.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
XXXX filing a complaint against XXXX XXXX XXXX because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX  account ending in XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15 U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Due to the current FTC shutdown, Im unable to file a new FTC Identity Theft Report to support this claim, which makes CFPB intervention even more critical. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account ; Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MN

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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I recieved a notification on my credit that a new collection fell on my account. I knew nothing about it from Debt recovery services. I have never recieved any notification it was just placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$10000.00} XXXXXXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$13000.00} INQUIRY : XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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