vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report related to XXXX XXXX  in the amount of {$5500.00}. This collection is not the result of a credit card, loan, or other credit-based account. Instead, it stems from a returned cashiers check that I deposited at a branch of XXXX XXXX, which was later deemed fraudulent. 

Background : I deposited a cashiers check I received from a dealer affiliated with XXXX XXXX into my checking account at a physical XXXX XXXX branch. The bank initially accepted the check, and it was reflected in my available balance. Several days later, I was informed that the check had been returned as fraudulent. I had no knowledge that the check was not legitimate, and I acted in good faith by depositing it directly with the bank. 
This incident was not the result of any misuse, fraud, or negligence on my part. I did not originate the check and had no way to verify its authenticity beyond depositing it at a trusted banking institution.as the law Bank is responsible to make sure check is good after accept to deposited Legal and Reporting Concerns : This type of account is not a credit account, and as such, it is not subject to reporting under the Fair Credit Reporting Act ( FCRA ) in the same manner as a credit card, loan, or line of credit. Reporting such a non-credit debt as a collection tradeline may violate FCRA standards. Additionally : If the bank or collection agency has reported this to the credit bureaus, they are required to ensure the information is accurate, complete, and verifiable. 
As this is a non-credit banking transaction, its inclusion on my credit report is misleading and harmful. 
I did not receive a proper notice of debt or validation from any collector, as required under the Fair Debt Collection Practices Act ( FDCPA ). 


Request for Resolution : I respectfully request the following : Immediate removal of the collection account from my credit reports with Equifax, Experian, and TransUnion. 


Please help me this as a formal dispute under the FCRA ( 15 U.S.C. 1681i ). I expect a written response within the required timeframe.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for attempting to collect a debt that does not belong to me and for reporting it to the credit bureau under false and inaccurate information. 

The alleged debt is associated with XXXX XXXXXX/XX/XXXXXXXX and appears on myXX/XX/XXXXcredit report with an origination date of XX/XX/2024. I have never opened an account with XX/XX/XXXX, and during that time I was living in an apartment where my electricity provider was XXXX XXXX which I can prove ( Proof of service provided from XXXX XXXX attached below ). 

I disputed this account through XX/XX/XXXX requesting that LVNV Funding provide proof or validation of the debt. Despite this, XX/XX/XXXX marked the debt as " verified '' and LVNV continues to report it. No contract, account detail, or valid evidence was ever provided to support their claim. 

Most alarmingly, all communications I have received regarding this alleged account including text messages and the credit report entry misidentify me as XXXX instead of XXXX. This is not, and has never been, my legal name. I have never used or signed any agreement under the name XXXX. This misspelling alone should disqualify the debt from being associated with my identity. 

LVNV Funding is knowingly reporting false, inaccurate, and unverifiable information to XXXX and attempting to collect on a debt that is not legally mine. This appears to be either a case of mistaken identity or outright fraud, and their continued reporting violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Whats even more infuriating is that this collection has been sitting on my credit report for over a year now, actively hurting my credit and financial opportunities despite being completely invalid from the start. It is unacceptable that Ive had to carry the burden of this false information for this long while LVNV refuses to take responsibility or correct their records.

I am requesting the CFPB investigate this matter and compel LVNV Funding to immediately remove this inaccurate collection from all credit bureaus, cease any further collection activity, and provide written confirmation that this debt is not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
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 XXXX XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
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 XXXX XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I am filing this complaint against the XXXX major credit reporting agenciesEquifax, Experian and TransUniondue to their failure to properly investigate disputed accounts, their lack of response within the required XXXX-day period, and their subsequent inaction. 
These issues have caused significant harm to my credit profile and financial well-being. 
Details of the Complaint In XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports, including inaccurate and incomplete information from multiple accounts on my credit report. I have sent dispute letters certified mail # XXXX, # XXXX, # XXXX, as required under the Fair Credit Reporting Act ( FCRA ). 
Despite the FCRAs mandate that credit reporting agencies must notify the furnisher of disputed information within five business days and conduct a reasonable investigation, none of the agencies responded within this timeframe. Furthermore, after the initial dispute, they failed to provide any meaningful investigation or resolution. The disputed information remains on my credit reports, negatively impacting my ability to secure credit and causing ongoing financial distress. 
Requested Resolution I request that the CFPB investigate this matter and compel Equifax, Experian, and TransUnion to : - Conduct a thorough and timely investigation into my disputed accounts. 
XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX. 
- Remove or correct the inaccurate information from my credit reports. - Provide a written explanation of their investigation process and findings. - Ensure compliance with FCRA requirements for future disputes.

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 2025-07-03 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: AR

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I have submitted multiple disputes to Experian regarding a XXXX XXXX XXXX account that is inaccurately reporting as XXXX days past due. I am currently enrolled in a documented settlement agreement with XXXX and have made every scheduled payment, including my most recent payment on XX/XX/year>. 
I submitted dispute letters and supporting evidence including the agreement and payment history directly to Experian. Despite this, Experian continues to report the account as 90 days delinquent, even though I am in full compliance with the settlement terms. 
This is false and materially damaging to my credit profile. In fact, Experian closed XXXX of my disputes within XXXX  days which raises concerns that no proper investigation was conducted. XXXX has also changed its reporting multiple times, but Experian has made no effort to verify or correct the data. 
These actions violate the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) : Failure to reasonably reinvestigate a disputed tradeline I am requesting that Experian immediately correct or delete this account, and confirm in writing that they have done so. I have filed a lawsuit related to this matter in XXXX XXXX, Illinois.

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 2025-07-03 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: NY

Complaint narrative:
I submitted a written dispute to TransUnion with documented proof demanding verification of a tradeline being reported by XXXX XXXX ( # XXXX ), who claims to have purchased the debt from XXXX XXXX XXXX XXXXXXXX XXXX I explicitly demanded TransUnion provide verification in compliance with the Fair Credit Reporting Act ( FCRA ), including documentation of the original agreement, chain of custody of the debt, and proof of my liability for the alleged debt. 

Despite this, TransUnion responded with a generic form letter claiming the account was verified as accurate and updated the remarks yet provided no evidence that proper verification was ever conducted. In fact, I also submitted a XXXX XXXX XXXX XXXX XXXX XXXX ) response indicating XXXX XXXX is not even a licensed debt collector, and there are major inconsistencies regarding their handling of the debt. 

This failure by TransUnion violates : FCRA Section 611 ( 15 U.S. Code 1681i ) Failure to reasonably investigate disputes FCRA Section 609 ( 15 U.S. Code 1681g ) Failure to provide all information in the file FCRA Section 602 Duty to maintain accurate and complete information I demand immediate deletion of this tradeline due to failure to verify and improper handling of the dispute.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
One main Financial claims on their website that there is help if you are unable to make a payment for a particular month. I called the local office to ask what can I do. The XXXX of the location told me they would take half the payment and put the remaining on the end of the loan. Never was I told that the amount they charged was for a deferment. One main Financial took {$170.00} to pay for the deferment and placed the whole missed payment amount at the end of the loan. In other words they charged {$170.00} to defer the payment. This was not made clear to me when I opted for this relief. This is a predatory company that continuously offers cash loans. They bombarded me with offers by email and phone. When I first got the loan and I asked if this was a title loan they said no. I was told this was a secured loan by using my vehicle. It's a title loan they lied. I want them off my title. These type of companies claiming they are there to help need to be stopped. It is unlawful to take money from a customer with out informing the customer. Of course they will claim that they did. BUT THEY DID NOT. I would have never agreed to a charge like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr. Cooper - my loan servicer, has recently began cold calling me at all times of the day for various services. 

Recently in XX/XX/year>, they cold me multiple times asking if I was ok from " the storm ''. There was no storm. 

When I dove deeper into why would they be calling me and not my insurer, they began probing about possible damage and wondering if I needed assistance or estimates. 
I reminded them again, there was no storm, there was no flood, I had no idea what they were talking about and made them confirm the address and account... 
I asked them to stop calling me and if I had storm damage I would be working that through my insurance, not my loan servicer. 

Today XX/XX/year>, at XXXX XXXX, they interrupted my work day to ask if I was interesting in a new loan. Given that they are my mortgage servicer, I exited my work call to take their call only to get another ad. 
Again, I told them I am not interested in any solicitations and to stop calling me.

Company response to consumer: Closed with explanation