vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-04 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for verification and removal if unauthorized. 
XXXX XXXX XXXX XX/XX/XXXX Request for verification and removal if unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUPLICATE/UNAUTHORIZED : Request proof of permissible purpose and my signed authorization for this specific inquiry. If proof can not be provided, remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DUPLICATE/UNAUTHORIZED : Request proof of permissible purpose and my signed authorization for this specific inquiry. If proof can not be provided, remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUPLICATE/UNAUTHORIZED : Request proof of permissible purpose and my signed authorization for this specific inquiry. If proof can not be provided, remove immediately. 

I demand that you investigate the validity and accuracy of each of these inquiries. Specifically, I require written proof of my signed authorization for each disputed hard inquiry. 
If the Furnisher of Information ( the creditor ) can not verify the accuracy and authorized nature of these items within the statutory XXXX timeframe, you are legally required to delete them from my credit file immediately. 
I expect notification of the results of your investigation, along with an updated copy of my credit report, within 30 days of the receipt of this letter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2025-11-04 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: RI

Complaint narrative:
Dear Equifax, I am writing to dispute several items on my credit report that I believe to be inaccurate or outdated. Below are the details of the negative items that I would like to have investigated : XXXX. Late Payment ( XX/XX/year> ) : A late payment is noted for XX/XX/year>, but I believe this is incorrect. I request that you verify this payment record, and if no proof of the late payment exists, I ask that it be removed. 
XXXX. Closed Accounts Due to Inactivity : Several accounts on my report have been marked as closed due to inactivity. I would appreciate it if you could provide verification of these closures, and if they were made in error, please update the status to reflect the correct information. 
XXXX. Dispute Status on Accounts : Some accounts are listed with a dispute status, which I did not initiate. Please review these accounts and ensure that the report accurately reflects their status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: VA

Complaint narrative:
I have received calls from XXXX XXXX between XXXX times per day. They have been doing this for several weeks. I also sent them a cease-and-desist letter certified mail on XX/XX/year>, and it was received on XX/XX/year> at XXXX. However, they are still calling. I also told them on the phone that I do not verify via phone due to my identity being used and they just hang up and call back. This is causing me alot of stress.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please review and delete the following accounts if the reporting furnisher can not provide full documentation verifying ownership, accuracy, and permissible reporting status : XXXX XXXX Account # XXXX Status : Paid in settlement/ {$22000.00} written off ( Charge-Off ) Reason for dispute : Debt settled in XXXX and inaccurately coded as charge-off ; must show {$0.00} balance and PaidSettled. 


XXXX XXXX XXXX Account # XXXX Status : Charged off / {$220.00} written off ( Open since XXXX ) Reason for dispute : Debt outside XXXX reporting period under new small-loan update ( less than {$500.00} original balance, over 48 months old, unverifiable ). 


XXXX XXXX Account # XXXX Status : Charged off / {$1300.00} written off Reason for dispute : Account reported as Never Late yet coded Charge-Off ; contradictory and unverifiable. 


XXXX XXXX XXXX XXXX Original Creditor XXXX  / Account # XXXX Reason for dispute : Debt buyer must provide full chain of assignment and contract ; otherwise unverified under XXXX ( a ) ( XXXX ) ( A ). 


LVNV FUNDING LLC Original Creditor XXXX XXXX / Account # XXXX Reason for dispute : Debt buyer must verify ownership and contract under FCRA and XXXX XXXX guidance ( XXXX update ). 


XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX/ Account # XXXX Reason for dispute : Unverified assignment and outdated collection ( opened XX/XX/XXXX may exceed XXXX validation window for medical and tool vendor debts ). 


XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. / Account # XXXX Reason for dispute : No validation notice or contract produced ; potentially duplicate of XXXX XXXX inquiry ( XX/XX/XXXX ). 


Under the FCRA and the XXXX Consumer Data Accuracy Standards, please provide within 30 days : Verification of each disputed account, including the original creditor agreement, chain of title, and date of first delinquency. 


Deletion of any account that can not be fully verified as accurate and complete. 


If verification can not be produced within the allotted time, I request immediate deletion of the disputed items from my credit file and that an updated credit report be mailed to me reflecting these corrections. 
Please note this dispute is not a refusal to pay but a request for factual accuracy and compliance with current federal standards. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Please review and delete the following accounts if the reporting furnisher can not provide full documentation verifying ownership, accuracy, and permissible reporting status : XXXX XXXX Account # XXXX Status : Paid in settlement/ {$22000.00} written off ( Charge-Off ) Reason for dispute : Debt settled in XXXX and inaccurately coded as charge-off ; must show {$0.00} balance and PaidSettled. 


XXXX XXXX XXXX Account # XXXX Status : Charged off / {$220.00} written off ( Open since XXXX ) Reason for dispute : Debt outside XXXX reporting period under new small-loan update ( less than {$500.00} original balance, over 48 months old, unverifiable ). 


XXXX XXXX  Account # XXXX Status : Charged off / {$1300.00} written off Reason for dispute : Account reported as Never Late yet coded Charge-Off ; contradictory and unverifiable. 


XXXX XXXX XXXX XXXX Original Creditor XXXX / Account # XXXX Reason for dispute : Debt buyer must provide full chain of assignment and contract ; otherwise unverified under XXXX ( a ) ( XXXX ) ( A ). 


XXXX XXXX XXXX Original Creditor XXXX XXXX / Account # XXXX Reason for dispute : Debt buyer must verify ownership and contract under FCRA and XXXX XXXX guidance ( XXXX update ). 


MG CREDIT Original Creditor XXXX XXXX XXXX XXXX Account # XXXX Reason for dispute : Unverified assignment and outdated collection ( opened XX/XX/XXXX XXXX exceed XXXX validation window for medical and tool vendor debts ). 


XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX / Account # XXXX Reason for dispute : No validation notice or contract produced ; potentially duplicate of XXXX XXXX inquiry ( XX/XX/XXXX ). 


Under the FCRA and the XXXX XXXX XXXX XXXX XXXX, please provide within 30 days : Verification of each disputed account, including the original creditor agreement, chain of title, and date of first delinquency. 


Deletion of any account that can not be fully verified as accurate and complete. 


If verification can not be produced within the allotted time, I request immediate deletion of the disputed items from my credit file and that an updated credit report be mailed to me reflecting these corrections. 
Please note this dispute is not a refusal to pay but a request for factual accuracy and compliance with current federal standards. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Possible Financial Inc
State: FL

Complaint narrative:
Please review and delete the following accounts if the reporting furnisher can not provide full documentation verifying ownership, accuracy, and permissible reporting status : XXXX XXXX Account # XXXX Status : Paid in settlement/ {$22000.00} written off ( Charge-Off ) Reason for dispute : Debt settled in XXXX and inaccurately coded as charge-off ; must show {$0.00} balance and PaidSettled. 

POSSIBLE FINANCIAL INC Account # XXXX Status : Charged off / {$220.00} written off ( Open since XXXX ) Reason for dispute : Debt outside XXXX reporting period under new small-loan update ( less than {$500.00} original balance, over XXXX months old, unverifiable ). 

XXXX XXXX Account # XXXX Status : Charged off / {$1300.00} written off Reason for dispute : Account reported as Never Late yet coded Charge-Off ; contradictory and unverifiable. 

XXXX XXXX XXXX XXXX Original Creditor XXXX  / Account # XXXX Reason for dispute : Debt buyer must provide full chain of assignment and contract ; otherwise unverified under 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Original Creditor XXXX XXXX / Account # XXXX Reason for dispute : Debt buyer must verify ownership and contract under FCRA and XXXX XXXX guidance ( XXXX update ). 

XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX Reason for dispute : Unverified assignment and outdated collection ( opened XX/XX/XXXX XXXX exceed XXXX validation window for medical and tool vendor debts ). 

THE XXXX XXXX Original Creditor XXXX XXXX XXXX. / Account # XXXX Reason for dispute : No validation notice or contract produced ; potentially duplicate of XXXX XXXX inquiry ( XX/XX/XXXX ). 

Under the FCRA and the XXXX Consumer Data Accuracy Standards, please provide within 30 days : Verification of each disputed account, including the original creditor agreement, chain of title, and date of first delinquency. 

Deletion of any account that can not be fully verified as accurate and complete. 

If verification can not be produced within the allotted time, I request immediate deletion of the disputed items from my credit file and that an updated credit report be mailed to me reflecting these corrections. 

Please note this dispute is not a refusal to pay but a request for factual accuracy and compliance with current federal standards. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-04 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by True Accord. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NE

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off 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

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