vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC Account # XXXX Reports across bureaus inconsistently : Open, Charge Off, Collection, and Paid XXXX  % on time simultaneously contradictory data. 

Original creditor : XXXX XXXX XXXX, but ownership chain not clearly verified. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information. 

FCRA XXXX ( b ) Failure to conduct a proper reinvestigation. 

FDCPA XXXX ( XXXX ) ( A ) False representation of character or legal status of a debt. 

FDCPA XXXX ( b ) No proof of validation prior to continued reporting. 

XXXX XXXX XXXX ( c ) Continued collection activity after notice to cease contact ( constructive notice once reported ). 

XXXX. Violations : XXXX {$1000.00} = {$5000.00} Subject : Formal Dispute and Cease-and-Desist  Demand Pursuant to FCRA & FDCPA To Whom It XXXX Concern, This letter serves as a formal dispute and cease-and-desist demand under XXXX XXXX. XXXX, XXXX, and XXXX regarding the following inaccurate, unverifiable, and misleading accounts currently reported on my consumer credit file. 
After careful review of my credit report dated XX/XX/year>, I have identified numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that require immediate correction and deletion. 

Demand for XXXX XXXX XXXX XXXX XXXX. XXXX ( a ), you are required to reinvestigate and remove any information that can not be verified within XXXX days of receipt of this notice. 
Additionally, under XXXX XXXX. XXXX ( c ), I hereby demand that all debt XXXX and data furnishers cease all communication and collection activity related to the above accounts. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of civil action seeking up to {$1000.00} per violation under XXXX XXXX. XXXX & XXXX, totaling an estimated {$5000.00} in statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report, including false late payments, incorrect balances, and accounts that were included in my Chapter XXXX bankruptcy but continue to be reported as delinquent or past due. I disputed these errors with TransUnion under the Fair Credit Reporting Act ( FCRA XXXX ), but TransUnion responded that the information was verified, even though it is clearly inaccurate. 

Steps I took to resolve this : I formally disputed these accounts with TransUnion and requested verification or removal of inaccurate information. 
TransUnion completed its investigation but left the inaccurate accounts unchanged. 
I also contacted some of the creditors and furnishers directly, but they have not corrected their reporting. 
These inaccuracies are causing harm to my credit profile and violate FCRA accuracy and reinvestigation standards. 

Accounts involved : XXXX XXXX Incorrect XXXX late payment and past due balance. 
Office of XXXX XXXX XXXX XXXX ( Accounts # XXXX & # XXXX ) Reporting XXXX day late status, which is not accurate. 
XXXX Appliances Account included in my Chapter XXXX bankruptcy ( filed XX/XX/year> ), but TransUnion still shows late payments after filing. 
XXXX XXXX XXXX Post-bankruptcy delinquencies reported, which violates bankruptcy reporting rules. 
XXXX. of XXXX XXXX XXXX XXXX inaccurate status even after previous disputes. 
XXXX XXXX, XXXXt Continue XXXX report XXXX XXXX and derogatory information after bankruptcy discharge. 

Laws being violated : FCRA XXXX XXXX XXXX XXXX failed to conduct a reasonable investigation. 
FCRA XXXX / XXXX XXXX. XXXX ( b ) Furnishers did not correct inaccurate information after disputes. 
FCRA XXXX ( b ) Failure to ensure maximum possible accuracy of consumer reports. 
Bankruptcy reporting standards Accounts included in bankruptcy must report as Included in Bankruptcy/ XXXX / {$0.00} balance, not with new delinquencies.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate 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 explanation
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account type Business Card Date opened XX/XX/XXXX Balance {$0.00}

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 2025-10-22 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: CA

Complaint narrative:
Accounts are appearing on my credit report in my name that I did not open, authorize, or manage. I never gave permission for these accounts and I am not responsible for them. This inaccurate reporting is misleading and has caused me significant concern.

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CL Holdings LLC
State: NC

Complaint narrative:
I took out a loan with XXXX XXXX in XX/XX/XXXX, and my first payment was due XX/XX/XXXX which I made. I was supposed to have it paid off with the incentive program ( no interest for 12 months ) by XXXX of XXXX. However I could not pay it off because the store closed, there was no one to talk to. When I called it was a dead number ( XXXX ). I was not receiving statements and did not know what was going on. I was not able to get in contact with anyone until XX/XX/XXXX and they called me on my personal phone number. They called me 7 times while I was at church. The number they called from was XXXX. I called them back on XX/XX/XXXX and a gentleman told me that if I didn't make a payment that day I would be turned into collections. I told him I was out of town and could not make a payment that day. He said to me " how are you able to go out of town and not have the means to pay on this account? '' I told him it was none of his business and he then said it to me again. And every day since the XXXX of XXXX they have called me twice a day until I made a payment XX/XX/XXXX. They are trying to get me to set up automatic drafts and I told them I would not like to do that with them. I spoke with 4 people on XX/XX/XXXX and they told me to go to conn.com to make payments. I went back to XXXX after not having success going where they told me to, and was able to finally be able to make a payment. I received a confirmation number of XXXX that a payment of {$130.00} was made on XX/XX/XXXX. I do not appreciate being ignored, left without any notices or ability to call anyone, or being charged late fees for several months when I was not late and was making payments, and then absolutely harassed about this when it clearly was their fault while undergoing their store closings. I would like to know if there is any help I can get for the undue stress they have caused me, especially once they started calling about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Re : Request for Deletion of Incorrect Addresses FCRA Dispute To Whom It May Concern, I am writing to dispute the inaccurate address information being reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that all incorrect and outdated addresses, Phone number and employers be removed immediately, as they are not accurate or associated with me.

The following addresses should be removed from my credit file as they are incorrect or outdated : Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX The following is my only correct address, which should remain on file : XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address. 

Please conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. 
Once your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 



Enclosures : - Copy of Government ID - Copy of Utility Bill

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Request for Deletion of Incorrect Addresses FCRA Dispute To Whom It May Concern, I am writing to dispute the inaccurate address information being reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that all incorrect and outdated addresses, Phone number and employers be removed immediately, as they are not accurate or associated with me.

The following addresses should be removed from my credit file as they are incorrect or outdated : Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX The following is my only correct address, which should remain on file : XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address. 

Please conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. 
Once your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 



Enclosures : - Copy of Government ID - Copy of Utility Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-10-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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