vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The debit is incorrect and there trying to make me pay all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern, This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) for full disclosure of your method of verification regarding the reinvestigation of the above-referenced account. 

You stated that this account was verified as accurate ; however, you failed to provide the details, evidence, or documentation supporting that conclusion. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding the following information : XXXX. The method of verification you used in your reinvestigation. 
XXXX. The name, mailing address, and phone number of the furnisher or creditor who verified the information. 
XXXX. All documentation or records you relied upon to determine the accounts accuracy. 
XXXX. Proof that a reasonable reinvestigation was conducted as required by 15 U.S.C. 1681i ( a ). 

Failure to provide this information constitutes noncompliance with the FCRA. Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information, and must provide the consumer with a description of the procedure used to determine the accuracy of the information if requested. 

Furthermore, under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), no consumer report shall be furnished to any person except for permissible purposes under the law. Any continued reporting or distribution of unverifiable or inaccurate information may constitute willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

If you can not fully verify and substantiate this account, you are required by law to delete it from my credit file immediately. 

Please provide the requested information and documentation within XXXX  days of receipt of this letter. I expect a written response with complete details as required under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. 

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/year>, a vehicle loan for {$17000.00} was issued by TitleMax of Arizona , Inc. with an APR of 119.87 %. The contract clearly stated there were no penalties for early payoff. 

On XX/XX/XXXX, XXXX 2 months and 9 days laterTitleMax received a cashiers check payoff in the amount of {$22000.00} via FedEx from the dealership that purchased the vehicle. Despite certified funds and a no-penalty clause, the payoff demand exceeded the principal by more than {$4600.00}, indicating excessive or front-loaded interest charges. 

Multiple calls were made to TitleMax between XX/XX/XXXX and XX/XX/year>, requesting written confirmation that the payoff was received and applied, as well as a lien release. Each time, representatives failed to provide any documentation or updates. 

As of the date of this complaint, the XXXX remains unreleased and no written response has been provided. 

The payoff delay and excessive charges appear to violate A.R.S. 28-2133 ( B ) and the federal Truth-in-Lending Act. Supporting documentation, including the Bill of Sale, XXXX  proof of delivery, call logs, and contract summary, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
Details : I am submitting this complaint because XXXX XXXX XXXX is reporting an account that does not belong to me, originating from XXXX XXXX XXXX  XXXX. I have already disputed this account with all three major credit bureaus ( Experian, Equifax, and TransUnion ), and they have failed to delete it despite my providing proof of identity theft. 

The account number reported is XXXX, showing an alleged balance of {$780.00} and an opened date of XX/XX/XXXX ( or XX/XX/XXXX on Experian ). These dates are inconsistent and inaccurate, further indicating reporting errors. 

I have never had any account with XXXX XXXX XXXX  or XXXX XXXX. The account is a result of identity theft. I provided valid identification ( my drivers license and Social Security card ) proving that I am not the individual responsible for this debt. 

This account is causing significant damage to my credit score and reputation. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block identity theft-related information from my credit file within 4 business days after receiving proof of identity theft and a written request. They have failed to comply.

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 2025-11-08 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: NY

Complaint narrative:
Details : I am submitting this complaint because XXXX XXXX XXXX is reporting an account that does not belong to me, originating from XXXX XXXX XXXX  XXXX. I have already disputed this account with all three major credit bureaus ( Experian, Equifax, and TransUnion ), and they have failed to delete it despite my providing proof of identity theft. 

The account number reported is XXXX, showing an alleged balance of {$780.00} and an opened date of XX/XX/XXXX ( or XX/XX/XXXX on Experian ). These dates are inconsistent and inaccurate, further indicating reporting errors. 

I have never had any account with XXXX XXXX XXXX  or XXXX XXXX. The account is a result of identity theft. I provided valid identification ( my drivers license and Social Security card ) proving that I am not the individual responsible for this debt. 

This account is causing significant damage to my credit score and reputation. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block identity theft-related information from my credit file within 4 business days after receiving proof of identity theft and a written request. They have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to dispute the following collection account listed on my credit report. I have reviewed this account and have found inaccuracies in the reporting. 

The account in question is : Collection Agency : LVNV FUNDING LLC Account Number : XXXX Original Creditor : XXXX XXXX  I request that you investigate the following items and provide verification of this debt as required by the Fair Credit Reporting Act ( FCRA ) : Accuracy of Information : I dispute the accuracy of the account details, including the balance, dates, and ownership of this debt. Please verify all information being reported. 

Method of Verification : In accordance with my rights under FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ], I request that you provide me with a description of the procedure used to verify this account, including the name, address, and telephone number of any person contacted during your investigation. 

Proof of Notices & Right to Collect : Please provide documentation proving that I received all required notices under the Fair Debt Collection Practices Act ( FDCPA ) and that LVNV FUNDING LLC has the legal right to collect this debt. This includes, but is not limited to : Proof of my liability for the original debt with XXXX XXXX. 

A complete and documented chain of title from the original creditor to LVNV FUNDING LLC, proving the debt was legally assigned or sold. 

A complete payment history to ensure the amount is accurate. 

Governing Laws : This request is made pursuant to my rights under : The Fair Credit Reporting Act ( FCRA ), specifically 609 [ 15 U.S.C. 1681g ] ( allowing me to dispute inaccurate information ).

FCRA 611 [ 15 U.S.C. 1681i ] ( requiring you to conduct a reasonable investigation of disputed items ).

The Fair Debt Collection Practices Act ( FDCPA ), 809 [ 15 U.S.C. 1692g ] ( governing the validation of debts ). 

If you can not complete your investigation within the 30 days required by the FCRA, or if you can not provide verified proof of all the requested information confirming the accuracy of this account and the legal right to collect, then this account must be deleted from my credit file immediately. 

Please correct the inaccuracies noted and provide me with an updated copy of my credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
AFTER CHEKCING MY CREDIT REPORT I SAW SOME HARD INQUIRYS THAT HAVE NOT BEEN PERMISSIBLE. 
XXXX XXXX XXXX XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXXXXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX this inquiry 's has no permissible to be on my report. delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
A XXXX XXXX  XXXX account that was previously deleted from my XXXX  credit report has reappeared without my authorization or any written notice. I never received the required reinsertion notice or proof that the furnisher certified the accuracy of the account, as required by FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion is inaccurate and misleading. Im requesting that the CFPB have XXXX  and XXXX XXXX  XXXX provide proof of certification and notice, or permanently delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
To Whom It May Concern, This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) for full disclosure of your method of verification regarding the reinvestigation of the above-referenced account.

You stated that this account was verified as accurate ; however, you failed to provide the details, evidence, or documentation supporting that conclusion. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding the following information : 1. The method of verification you used in your reinvestigation.

2. The name, mailing address, and phone number of the furnisher or creditor who verified the information.

3. All documentation or records you relied upon to determine the accounts accuracy.

4. Proof that a reasonable reinvestigation was conducted as required by 15 U.S.C. 1681i ( a ).

Failure to provide this information constitutes noncompliance with the FCRA. Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information, and must provide the consumer with a description of the procedure used to determine the accuracy of the information if requested.

Furthermore, under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), no consumer report shall be furnished to any person except for permissible purposes under the law. Any continued reporting or distribution of unverifiable or inaccurate information may constitute willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

If you can not fully verify and substantiate this account, you are required by law to delete it from my credit file immediately. 

Please provide the requested information and documentation within 15 days of receipt of this letter. I expect a written response with complete details as required under federal law. 

Sincerely, 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: UT

Complaint narrative:
On XX/XX/year>, I received this email XXXX XXXXCreditCard Your XXXX Credit Card shipped. 
Great news! Your XXXX Credit Card should arrive within 5 to 7 business days. 

I had not requested a credit card or another line of credit. My credit is frozen. Attempts to contact XXXX to demand that they close the account and provide a revision to the credit agencies were met with a hostile form of avoiding communication by shunting me to a chatbot and to community forums. 

This is an unwanted, unrequested line of credit.

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 2025-11-08 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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