vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX the inquiry was not authorized XXXX XXXX XXXX XXXX  - the inquiry was not authorized

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint regarding unverified collection accounts, inaccurate personal information, and unauthorized hard inquiries being reported on my credit file. These items have not been validated and are harming my XXXX XXXX. 

Despite my attempts to dispute these items, they remain on my report without proper investigation or verification. 

XXXX. Unverified Collection Accounts The following XXXX collection accounts are appearing on my credit report, but the furnishers have not provided validation, documentation, or proof of ownership as required under FDCPA 809 ( b ) and FCRA 611 ( a ) : XXXX Recovery {$230.00} XXXX Credit Management {$850.00} XXXX XXXX Management {$1400.00} XXXX XXXX XXXX {$610.00} XXXX Funding LLC {$710.00} XXXX XXXX have not provided XXXX XXXX XXXX of ownership or chain of assignment Signed contracts or agreements Documentation proving the debts belong to me Therefore, they are unverified and must be removed. 

XXXX. Incorrect Personal Information ( Addresses ) XXXX addresses on my credit file are not mine and are causing mixed information and inaccurate reporting : XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These incorrect addresses violate FCRA 609 ( a ) and create inaccurate matching of accounts. 

I have never lived at these addresses and I did not authorize them to be placed on my credit file. 

XXXX. Hard Inquiries I Did Not Authorize My TransUnion report also shows several hard inquiries that I did not authorize or initiate : XXXX XX/XX/XXXX XXXX FA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX a company must have a permissible purpose to pull my credit report. These inquiries were made without my authorization, and no company has provided documentation proving otherwise. 

I am requesting that these inquiries be investigated and removed if they can not be verified with proof of permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am a verified victim of XXXX XXXX  debt bondage, and identity theft.

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The following information was created or maintained under coercion and identity misuse. These records are inaccurate, not mine, and continue to cause harm to my personal and financial reputation.

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS TO BLOCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} I am requesting that TransUnion immediately block and delete all of the above information pursuant to FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once completed.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am filing a complaint because Resurgent Capital Services/ LVNV Funding LLC is reporting inaccurate information to the credit bureaus and has failed to update my credit report despite being in an active payment arrangement with them. This complaint concerns the LVNV Funding LLC account ending in XXXX. 
I have a valid payment agreement with Resurgent Capital Services, and I have made multiple payments under that agreement, including the payment dated XX/XX/year>, which even appears on my XXXX report. Despite this, Resurgent has not updated the account status, balance, or past-due amount to reflect the payment plan. 
My XXXX credit report ( uploaded in this complaint ) currently shows : Account Status : Closed Collection Account Reported Balance : {$740.00} Past Due Amount : {$740.00} Comments : Consumer Disputes This Account Information No mention of my payment arrangement No update to the balance or past-due amount after payments were made. 
This information is inaccurate, incomplete, and misleading. 
A consumer who is actively paying on a documented payment plan should not be shown as having a full past-due balance or an un-updated collection balance. Resurgent has not furnished updated and accurate information to XXXX as required by law. 
Resurgent is in violation of : FCRA Section 623 ( a ) Duties of furnishers to provide accurate information.

They are reporting information that does not reflect : My active payment arrangement.

My ongoing payments.

My updated balance and past-due amounts.

FCRA Section 611 Failure to respond adequately to a consumer dispute.

I disputed this with XXXX but the furnisher failed to update or correct the information as required.

Because Resurgent has not updated my account : My credit score has been negatively impacted.

The account appears as if I am not paying, when I am.

It misrepresents my payment behavior to lenders.

It has caused financial harm and denial of credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 a verified victim of XXXX XXXX, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file.

The following information was created or maintained under coercion and identity misuse. These records are inaccurate, not mine, and continue to cause harm to my credit and personal reputation.

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX, XXXX, NJ XXXX ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$4600.00} I am requesting that TransUnion immediately block and delete the information above pursuant to FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once completed.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: CO

Complaint narrative:
Square continues attempting to withdraw money from my bank account even though I no longer use their service and have switched to a different POS provider. I still have an open Square loan for about {$170.00}, and Square is holding {$180.00} in my Square balance. Instead of using the funds they are holding, Square repeatedly attempts to pull $ 130- {$180.00} from my personal bank account, causing financial hardship. 

I have tried for over three months to contact Square, but I receive no phone or email support and have no way to resolve the issue. My account is currently on hold, and Square will not release the held funds or stop the withdrawal attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am a consumer attempting to correct inaccurate or unverifiable information appearing on my credit reports. I am filing this complaint because I have already disputed these items with the credit reporting agencies, and the information remains unresolved or appears to be reported incorrectly. 

Charged Off Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number ( last digits ) : XXXX Date Reported : XX/XX/XXXX Balance Reported : {$110.00} Reason for Dispute : This account appears to be inaccurately reported or unverifiable. The date reported and balance information seem inconsistent. I request Experian to conduct a full reinvestigation and provide verification from the original creditor or remove the account entirely if proper verification can not be obtained. 

Inquiries in Dispute : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Reason for Dispute ( Inquiries ) : I do not recall authorizing these inquiries. I am requesting Experian to verify that these inquiries were made with my express consent. If not, they should be removed as unauthorized per FCRA 604.

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 2025-11-21 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:
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 2025-11-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I disputed the XXXX XXXX account because the information being reported is inaccurate, incomplete, and can not be verified. I first contacted the credit bureaus and submitted a formal written dispute, requesting reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Although the bureaus marked the account as verified, I was never provided with any documentation, proof of debt ownership, original account-level records, or validation of the alleged debt. 

After the account was verified without proof, I sent XXXX XXXX a Debt Validation Request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). My request specifically asked for validation of the alleged account, including : Proof that XXXX XXXX legally owns or has been assigned the debt A complete accounting of the amount claimed A copy of the original contract or agreement bearing my signature Validation from the original creditor Itemized statements showing how the balance was calculated XXXX XXXX did not provide any of the required validation documents. Instead, they continued reporting the account to the credit bureaus, which is a violation of FDCPA 1692g ( b ) which states that collection activity must cease until proper validation is provided. 

I made multiple attempts to resolve this matter, including sending written disputes, requesting investigation through the credit bureaus, and requesting validation directly from XXXX XXXX, but the company continues to report without providing proof. The account is therefore being furnished without proper verification, making it inaccurate, unverified, and in violation of the FCRA and FDCPA. 

I am requesting CFPB assistance because XXXX XXXX has repeatedly verified the account without providing legally required evidence, and the credit bureaus continue reporting the account without receiving proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2025-11-21 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I am requesting a reinvestigation of the following accounts on my Equifax credit report. As a consumer working to repair my credit, I believe these accounts contain inaccuracies or unverifiable information. I request that Equifax review these items and either correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$2700.00} LATE PAYMENTS XXXX, XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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