vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX/DOFED XXXXXXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX, XXXXDOFED XXXXXXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX, XXXX/DOFED XXXXXXXX XXXX/DOFED 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting a dismissed bankruptcy on my credit report that does not appear on Experian, Equifax, XXXX, or with the U.S. Bankruptcy Court for the XXXX XXXX XXXX Illinois. I have contacted the court directly, and they confirmed that they do not report to any credit bureau. 

This bankruptcy is unverifiable, inaccurate, and is causing unjust harm to my credit profile. It has been dismissed, not discharged, and under the FCRA Sections 1681e ( b ) and 1681i, I have the right to have this investigated and corrected. TransUnion has failed to meet its legal obligation to ensure maximum possible accuracy.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a 120day past due negative remark on my credit. This information is incorrect and does not accurately reflect my credit history. After investigating the matter, XX/XX/year>, XX/XX/year> and XX/XX/year> all state in good standingand XX/XX/year> is reported 120days past due. How is this possible? Not to mention the Nelnet balances all contradict each other for all 6 accounts throughout TransUnion, Experian and Equifax. 

Please conduct a full investigation into this matter and update or remove the inaccurate information as appropriate. I request a written confirmation of the results of your investigation and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TN

Complaint narrative:
LVNV FUNDING LLC is in violation of 15 USC 6802. LVNV FUNDING LLC did not disclose the opportunity to Opt out of the sharing of my information to a third-party ( s ) thats non-affiliated. I was not given the opportunity, before the time that such information was initially disclosed, to direct that such information is not disclosed to such third-party ( s ). I was not given an explanation of how I can exercise that nondisclosure option. My information was sent to the following non-affiliated third parties which LVNV FUNDING LLC has violated 15 USC 6802- XXXX LVNV FUNDING LLC is also in violation of 15 USC 1692 for unfair debt collection practices for an alleged debt of {$22000.00}. I have no affiliation with LVNV FUNDING LLC and have not contracted with them, nor have I received correspondence from them. I DO NOT KNOW WHO THEY ARE! Im willing to bet that they are not the holder in due course of any negotiable instrument that I have signed. 

After reading LVNV Funding 's last response, LVNV Funding mentioned something suspicious under 18 USC 8. LVNV mentioned that XXXX XXXX XXXX XXXX charged off the original account on XX/XX/year>, with a balance of {$22000.00}. If this is true, then LVNV is not entitled to payment. XXXX XXXX has already received payment for the {$22000.00} through the 1099-C. Additionally, LVNV HAS A COPY of the original promissory note and note and does not poses the original document. XXXX XXXX has yet to send a 1099-C to me. If XXXX XXXX XXXX XXXX filed a 1099-C, then the {$22000.00} is considered income. Therefore, LVNV HAS NO RIGHT TO COLLECT ON INCOME. 

LVNV is in violation of the RICO ACT for attempted embezzlement and money laundering. No correspondence has been received from LVNV. LVNV has failed to respond to my 15 USC 6802 and has failed to verify the debt. LVNV is in violation of 18 USC 241 and 242 for attempted deprivation of rights and attempted coercion to pay a debt that's already been payed. LVNV will not receive any money from me and I more than welcome them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
XXXX XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Accounts Due to Identity Theft Dear Experian Dispute Department, I am writing to formally dispute the following accounts appearing on my credit report, as I believe they are the result of identity theft. These accounts do not belong to me and are not authorized transactions. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute inaccurate, incomplete, or fraudulent information and request its removal. 

The accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$9100.00} These accounts are fraudulent and do not reflect any transactions or activity authorized by me. I am requesting that these accounts be thoroughly blocked, found to be fraudulent, removed from my credit report according to the protections provided under the FCRA. Enclosed are copies of identity theft affidavits, a police report ( if applicable ), and any other documentation supporting my claim. 

Please conduct a prompt investigation and provide me with the results in writing within the timeframe specified by the FCRA. I also request that you notify the furnishers of these accounts of my dispute and that they cease reporting any fraudulent activity related to my identity. 

Thank you for your prompt attention to this matter. 

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Date ] [ Debt XXXX Name ] [ Debt XXXX Address ] [ City, XXXX, ZIP Code ] Re : Formal Dispute of Alleged Debt Notice Failure & FDCPA Violations To Whom It May Concern : I am writing to formally dispute the validity and legality of the alleged debt you have attempted to collect. This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ) and related provisions.

1. Failure to Provide Written Notice Within 5 Days Violation of 15 U.S.C. 1692g ( a ) As of the date of this letter, I have not received the legally required written notice from your agency within five ( 5 ) days of your initial communication, as mandated by the FDCPA. The law clearly states that a debt collector must send a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that the consumer has 30 days to dispute the debt ; A statement that if the consumer disputes the debt in writing within 30 days, the collector must verify it ; A statement that the debt collector will obtain verification of the debt or a copy of a judgment and mail it if requested. 

Since this notice was never received within the legally mandated timeframe, this is a clear violation of federal law under 15 U.S.C. 1692g ( a ) and subject to enforcement by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

2. Unverifiable, Inaccurate, and Potentially Time-Barred Information You are hereby notified that I dispute this alleged debt in its entirety. I request that you provide complete verification and itemized validation of the alleged debt in accordance with 15 U.S.C. 1692g ( b ). Until such verification is provided, you must cease all collection activity. 

Furthermore, if this debt is more than seven years old or otherwise time-barred under my states statute of limitations, then any attempt to report or sue based on this debt may constitute further violations, including but not limited to : 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of the debt ; 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false ; 15 U.S.C. 1692f Using unfair or unconscionable means to collect a debt.

If this account is being reported to any credit reporting agency, such reporting must cease immediately unless full validation is provided. Reporting unverifiable or outdated debts may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with outmost accuracy. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. 
I demand this payment be updated to paid on time immediately. you can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE.

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 2025-06-16 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: LA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and were opened without my knowledge or consent. Under 15 U.S.C. 1681a ( b ) and 1681g, I am exercising my rights as a consumer. Due to these violations, I am requesting that this account be removed from my consumer report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and were opened without my knowledge or consent. Under 15 U.S.C. 1681a ( b ) and 1681g, I am exercising my rights as a consumer. Due to these violations, I am requesting that this account be removed from my consumer report immediately. Thank you.

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 2025-06-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am requesting the immediate freezing of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MN

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/2025 XXXX XXXX Balance : $ XXXX previously late open

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 2025-06-16 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: MN

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/2025 XXXX XXXX Balance : $ XXXX previously late open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My dispute on XX/XX/year> was reversed and theyre taking back the money. My card was stolen/lost and someone was using my account and debit card. They used the physical card and also made accounts on certain things one being a betting app which I could not even have had access to because I was not 21 at the time. They investigated it but are not giving me my money and I dont understand why and how. I need the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am writing to dispute an account that has been incorrectly added to my credit report. This account does not belong to me it appears to be a result of mixed or merged credit file information, and I need it resolved immediately. 

Let me be absolutely clear : this account is someone elses, and it has nothing to do with me. I have never opened this account, never been associated with the company in question, and never authorized any activity tied to it.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance {$350.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance {$61.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$230.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXX/XX/year>

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