vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the account 's existence and permissible usage. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 

Listed below are the Collections that are being challenged SOURCE RECVB - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inconsistent Charge-Off Reporting I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness. 

Specifically, the same charge-off account ( XXXX ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law. 
I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness.

Specifically, the same charge-off account ( s ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
The inaccurate inquiries and debts reported on my credit file have had a devastating impact on my everyday life. Because of these false and misleading items, my credit score has been severely damaged, preventing me from obtaining stable housing, dependable transportation, and essential financial services. I have been denied credit opportunities, faced higher interest rates, and even lost potential employment due to negative and inaccurate information being reported. The ongoing stress, anxiety, and financial instability this has caused have disrupted nearly every part of my daily life. 

According to 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to maintain and report only accurate, complete, and verifiable information. This law also ensures every consumers right to dispute inaccurate information and have it promptly investigated and corrected. Because these debts and inquiries are inaccurate and have caused significant harm to my financial reputation and overall well-being, I am demanding a full investigation and immediate removal of all unverifiable and inaccurate items from my credit report, in compliance with federal 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-14 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: FL

Complaint narrative:
I am Submitting this complaint regarding inaccurate late payment reporting on my credit report. Accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are showing late payments for periods in which I have records of timely payments. Additionally, XXXX is being reported as a late closed account with a {$0.00} balance, which is misleading and negatively affects my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ), furnishers and credit bureaus must ensure that all reported information is complete, accurate, and verifiable. I have disputed these items with the bureaus, but they remain unresolved.

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 2025-10-14 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 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: TX

Complaint narrative:
I am sending regarding several accounts that appear inaccurately on my credit report. After carefully reviewing my file, I found that some of my closed accounts are still being reported as late or new late closed even though they show a XXXX balance and no current obligation. These listings are incorrect and damaging to my credit reputation, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
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 2025-10-14 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC is reporting a collection account that is not valid. The original account was with XXXX XXXX XXXX, opened XX/XX/XXXX and closed by the creditor on XX/XX/XXXX with a {$0.00} balance and no late payments. I was only an authorized user, not the primary borrower, and the primary account holder fully paid the balance. 

Despite this, LVNV Funding began reporting the same account as a collection in my name. This violates the Fair Credit Reporting Act ( 1681e ( b ), 1681i ) and the Fair Debt Collection Practices Act ( 1692e ( 2 ) ( A ), 1692f ( 1 ) ) because they are reporting inaccurate, unverified debt information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
XXXXI am sending to formally request that you block and remove specific inaccurate inquiries appearing in my credit file, as permitted under Section 605B of the Fair Credit Reporting Act (FCRA). This section provides consumers the right to have fraudulent or incorrect information blocked from their credit reports when it results from identity theft or other forms of erroneous reporting\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau Complaint Department, I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ) and Equifax for severe and repeated violations of the Fair Credit Reporting Act ( FCRA ). I demand the immediate and permanent DELETION of the disputed account from my credit file. 
XXXX. The Disputed Account Details Creditor Reporting : XXXX XXXX  XXXX Account Number ( Last XXXX digits ) XXXX XXXX XXXXXXXX Reported Balance : {$9900.00} XXXX. The Grounds for Deletion My dispute is based on the failure of both the furnisher ( XXXX XXXX and the CRA ( Equifax ) to accurately report and reasonably investigate the account, causing me ongoing financial harm : Inaccurate Reporting ( XXXX Violation ) : The debt for Account # XXXX XXXXXXXX was SOLD by XXXX XXXX  XXXX. I have provided written documentation from XXXX confirming this sale. Despite the sale, XXXX continues to report an active {$9900.00} balance owed to them, which is factually inaccurate. Under the FCRA, a furnisher can not maintain a balance when a debt has been sold. This constitutes a willful violation of accuracy requirements. 
Insufficient Investigation ( Equifax Violation ) : I submitted a dispute to Equifax on this exact issue ( Confirmation # XXXX ) and attached the definitive proof of the debt sale. Equifax failed to perform a reasonable reinvestigation by accepting XXXX  certification that the balance was correct and ignoring my documentary evidence. This negligence perpetuates the misreporting on my credit file. 
Repeated Errors : This is not my first attempt to correct inaccuracies on my report. Given the repeated failure of Equifax to take corrective action on prior disputes, and the willful misreporting by XXXX, mere correction is not sufficient.

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 2025-10-14 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau Complaint Department, I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ) and Equifax for severe and repeated violations of the Fair Credit Reporting Act ( FCRA ). I demand the immediate and permanent DELETION of the disputed account from my credit file. 
XXXX. The Disputed Account Details Creditor Reporting : XXXX XXXX  XXXX Account Number ( Last XXXX digits ) XXXX XXXX XXXXXXXX Reported Balance : {$9900.00} XXXX. The Grounds for Deletion My dispute is based on the failure of both the furnisher ( XXXX XXXX and the CRA ( Equifax ) to accurately report and reasonably investigate the account, causing me ongoing financial harm : Inaccurate Reporting ( XXXX Violation ) : The debt for Account # XXXX XXXXXXXX was SOLD by XXXX XXXX  XXXX. I have provided written documentation from XXXX confirming this sale. Despite the sale, XXXX continues to report an active {$9900.00} balance owed to them, which is factually inaccurate. Under the FCRA, a furnisher can not maintain a balance when a debt has been sold. This constitutes a willful violation of accuracy requirements. 
Insufficient Investigation ( Equifax Violation ) : I submitted a dispute to Equifax on this exact issue ( Confirmation # XXXX ) and attached the definitive proof of the debt sale. Equifax failed to perform a reasonable reinvestigation by accepting XXXX  certification that the balance was correct and ignoring my documentary evidence. This negligence perpetuates the misreporting on my credit file. 
Repeated Errors : This is not my first attempt to correct inaccuracies on my report. Given the repeated failure of Equifax to take corrective action on prior disputes, and the willful misreporting by XXXX, mere correction is not sufficient.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> & XX/XX/year> {$2700.00} JEFFERSON CAPITAL SYSTEM XXXX XXXX & XX/XX/year> {$1600.00} {$2100.00} XXXX XXXX XXXX XX/XX/year> & XX/XX/year> {$1200.00} {$920.00} {$2300.00} {$4300.00} I have send validation letters to these 3 companies on two separate occasions and These companies failed to present the validation of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-14 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unlawfully reported items appearing on my consumer credit file. These items have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. Despite prior disputes with the credit bureaus and creditors, these inaccuracies persist in clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws. I am requesting immediate intervention and reinvestigation under CFPB supervision to ensure my rights are fully enforced. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$340.00} This account shows a late payment, which is inaccurate and unverifiable. I have not received any written validation proving the delinquency, and no supporting evidence has been provided that complies with FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ). Reporting such negative data without full verification constitutes willful neglect of accuracy obligations under FCRA 1681e ( b ). XXXX XXXX  reporting of a late payment is misleading and unjustified, and continued inclusion of this error after multiple disputes is a direct violation of my rights. The bureau must delete or correct this record immediately. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2900.00} This account is reported with a late payment, which is inaccurate. According to FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ), furnishers must report data with maximum accuracy, and unverifiable information must be deleted. I have requested validation several times, yet the bureau continues to display the same data without proof. This demonstrates a failure in the reinvestigation process and a disregard for my rights under federal law. The creditors failure to verify with supporting documentssuch as payment history, account statements, and contractual recordsmeans this information is not reliable and should be removed. 

CFPB, I am turning to your office because my repeated good-faith efforts to resolve these disputes directly with the reporting agencies and creditors have been ignored or mishandled. I am seeking your assistance to enforce compliance with federal laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). I respectfully request that your agency take swift action to ensure correction or deletion of the inaccurate items mentioned above, and that all reporting entities involved are held accountable for noncompliance.

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