vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment entries reported by XXXX XXXX ( XXXX ) and XXXX  XXXX XXXX on my Experian credit report. These entries are incorrect and stem from internal reporting errors by the creditors, not from any failure on my part to make timely payments. My XXXX account, ending in XXXX, is currently open with a balance of {$30000.00} as of XX/XX/year>, and has consistently been paid on time. Similarly, my XXXX  XXXX XXXX secured credit card account, which is also open and shows a {$0.00} balance, has never been delinquent. Despite this, both creditors have reported late payments that are entirely unfounded. I formally disputed these inaccuracies with Experian and requested, under the Fair Credit Reporting Act ( FCRA ), that all erroneous late payment entries be deleted, that Experian provide documentation of the verification process used to confirm the alleged delinquencies, and that I be given copies of any records submitted by XXXX and XXXX  XXXX XXXX to support their claims. To date, Experian has failed to provide adequate documentation or correct the inaccuracies, which continue to harm my credit profile and financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Experian, XXXX, and XXXX  XXXX XXXX comply with their obligations under the FCRA. I am seeking the immediate removal of all inaccurate late payment entries, written confirmation of the corrections, and assurance that future reporting will be accurate and compliant. If this issue is not resolved promptly, I am prepared to pursue further legal remedies.

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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2025, I received multiple letters of debts owed from Resurgent Capital Services, L.P. This company has received fraudulent information from another debt collection company LVNV Funding LLC who has violated federal law for passing my personal information to another debt collection company Resurgent Capital Service L.P. The information and the amount owed, the creditors are all Fake, Made-up, Fraudulent financial companies. I never did any business with the company Resurgent is trying to collect a debt for. This company Resurgent Capital Services L.P, and LVNV Funding LLC are stealing people personal information and sending out Fake debt collections accounts to individual with past accounts who have paid off accounts at LVNV Funding LLC. This illegal sharing of clients ' personal information is illegal, fraudulent and in violation of Fair Debt Collection Act. I have filed complaints with the FTC, OIG, and FBI about these illegal practices. I have sent the letters i received from Resurgent Capital Service L.P. to the FBI as evidence in this complaint. There are several other victims of the scam from these debt companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am disputing an inaccurate tradeline reported by XXXX XXXX XXXX XXXX XXXX that contains factually and chronologically impossible dates. 
Date Opened is reported as XX/XX/year> Last Activity is reported as XX/XX/year> It is not possible for Last Activity to predate the Date Opened. This is a clear data integrity failure and a violation of the XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ( b ) and XXXX, as well as XXXX XXXX reporting standards. 

I have : Notified the furnisher ( XXXX XXXX ) directly of this inaccuracy. 
Provided factual evidence and documentation showing the error. 
Requested original source records including the signed lease/application, payment ledger, internal account notes, XXXX XXXX XXXX file, audit trails of date changes, and all communications used to validate this debt. 
Copied the original creditor/property XXXX ( XXXX XXXX ) on some communications, as they denied my housing application based on this false tradeline. 

XXXX XXXX has acknowledged the account is in a holding status but has failed to correct or delete the erroneous tradeline. Instead, they have maintained it with the impossible dates, causing measurable harm to my housing opportunities, XXXX XXXX, and personal reputation. 

The persistence of this inaccurate reporting after direct notice constitutes willful noncompliance under XXXX XXXX. XXXX. I am requesting the CFPB require the furnisher to : XXXX. Delete the tradeline from XXXX  consumer reporting agencies ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I can not use card. Blocked by Chase Fraud Department. They say that they can not authenticate me. Tried several times. I gave them my employment history, previous addresses, mothers maiden name, date of birth, social security number, etc., etc. 

I live in XXXX and they can not verify my phone number. 

I have several years of past use with this card. No late payments. My credit score is over XXXX. 

I need this card because of their mileage program with XXXX XXXX. 

I have received XXXX different assurances at different times that someone would call me back. 

Their customer service is substandard. Horrible experience. 

Thank you for your expeditious attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint against Experian for its failure to accurately report and investigate multiple late payment entries on my credit report. I formally disputed these entries, which I believe are the result of internal posting or transmission errors by the furnishers. Despite my request for a thorough reinvestigation, Experian has not corrected the inaccuracies, nor has it provided adequate documentation to support its continued reporting of these derogatory marks. 

The accounts in question include 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  and include numerous months that I believe were inaccurately recorded. These entries are not only incorrect but also unverifiable, and I have reason to believe they stem from furnishers internal reporting errors rather than actual delinquency on my part. 

In my dispute letter to Experian, I requested the removal of all incorrect late payment entries, identification of the individual who verified these entries, the exact method of verification used, and copies of any records relied upon to substantiate the claim that these payments were late. Experian is required under the Fair Credit Reporting Act ( FCRA ) 1681i to conduct a reasonable reinvestigation of disputed information and to correct or delete any data found to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Experians failure to comply with these provisions constitutes willful and/or negligent noncompliance. If this matter is not resolved within the statutory timeframe, I intend to pursue all remedies available under FCRA 1681n and 1681o, including monetary damages. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and compel Experian to fulfill its legal obligations under the FCRA.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau TRANSUNION credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-08-12 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$3500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NM

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXX XXXX XXXX previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/2025, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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 2025-08-12 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: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
after reviewing my report i noticed an error on the account under the name XXXX its stating that i have a late payment thats over XXXX  days from XX/XX/year>, i made a payment but there was a system issue going on, i would like this to be resolved im in the process of buying a car and this is holding me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent copy of my flood insurance to Shellpoint. The company alleged that never received my information and assessed a charge of {$110.00} to my account without sending proof of acquiring any insurance. I called at least 10 times asking to clarify the charge and remove the undue amount as I had already uploaded copy of the flood insurance. On XX/XX/XXXX, I talked with a supervisor of this company after wasting my time and waiting fort 25 minutes, who confirmed that the wrong charge had been removed and apologized for the long wait and inconvenience. On XX/XX/XXXX, XXXX Shellpoint sent a escrow statement with false information confirming that I had a negative balance of {$110.00}, which is fraudulent, stating that on XX/XX/XXXX, they would start overcharging my account {$9.00} without any legal grounds. I pay my flood insurance through my mortgage account and therefore, this company is not entitled to force me opening any escrow account for an amount that they have made up.

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