vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing in response to the collection account reported by Resurgent Receivables LLC, with a reported balance of {$940.00}, originally from XXXX XXXX XXXX XXXX This collection was listed on my credit report on XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt, including the following : XXXX. The name and address of the original creditor XXXX. A complete payment history showing how the alleged amount was calculated XXXX. XXXX that I am legally obligated to pay XXXX. A copy of the original contract bearing my signature Until you provide this documentation, you are not allowed to continue reporting this debt per Section XXXX ( b ) of the FDCPA. If you can not verify the debt, I request that you delete it from all credit bureaus immediately. 

I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX for the amount of {$1000.00}, originally from XXXX XXXX XXXX XXXX, as listed on my credit report on XX/XX/XXXX. 

This account was previously marked as disputed but continues to report inaccurately. I am formally requesting validation under the FDCPA. Please provide all relevant documentation as outlined below : XXXX. Proof of debt ownership XXXX. Breakdown of the amount owed XXXX. XXXX signed agreement XXXX. Date and basis for the collection activity I am writing to dispute inaccurate information being reported on my credit file concerning the account with XXXX XXXX XXXX. This account has a balance of {$550.00} with a credit limit of {$400.00}, reflecting a charge-off status. The account is closed and has a derogatory history, with alleged late payments as of XX/XX/XXXX, yet it remains actively reported. 

I dispute the accuracy of this information and request that the account be investigated. If the account can not be verified with original documentation, I request that it be removed from all reporting agencies. Please provide : - Proof of delinquency - Original agreement- XXXX verified payment documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
See attached - Reference XXXX A postal money order was tendered as special deposit giving valuable consideration to settle and discharge an obligation, which was accepted and cashed by XXXX XXXX XXXX XXXX. Despite receiving this good faith settlement, XXXX XXXX XXXX XXXX closed the account and transferred a balance to NCC, who has not provided verified proof of claim or documentation of lawful standing. This conduct is inequitable, constitutes unjust enrichment, and violates my right to debt validation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX. 
on XX/XX/XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-30 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.

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-30 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.

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
Violation of our consumer rights under FCRA Section 623 ( a ) ( 3 ) [ 15U.S.C. & 1681s-27 ( a ) ( 3 ) Duty to provide Notice of Dispute Lending Disparities Fair Lending Analytics The NCUA identified `` Compliance Management System weaknesses They have violated consumer protection laws that require transparency and proper notification regarding changes to services.

a ) Failure to provide Required Disclosures B ) Fraudulent Adverse Actions-Fraudulent Credit Reporting C ) Unfair & Deceptive Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Violation of our consumer rights under FCRA Section 623 ( a ) ( 3 ) [ 15U.S.C. & 1681s-27 ( a ) ( 3 ) Duty to provide Notice of Dispute Lending Disparities Fair Lending Analytics The NCUA identified `` Compliance Management System weaknesses They have violated consumer protection laws that require transparency and proper notification regarding changes to services.

a ) Failure to provide Required Disclosures B ) Fraudulent Adverse Actions-Fraudulent Credit Reporting C ) Unfair & Deceptive Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: PA

Complaint narrative:
I bought a XXXX XXXX and I have been having trouble with oil leaking I called the place where I bought the car from they said there was nothing they could do, I took my car to XXXX different mechanics and they all told me the same thing in different ways but in up being the rear main seal leaking, I looked up on internet and found The XXXX XXXX XXXX, particularly those with the XXXX XXXX  engine, has been known to experience excessive oil consumption due to various issues like worn piston rings, faulty PCV valves, and oil leaks. This can lead to low oil levels, engine knocking, and even engine failure if not addressed. also the company charged me XXXX for my car plus interest for XXXX  years my car is only worth XXXX, I was ripped off, they didnt tell me about that problem with my car, I have not driven my car since XXXX of XXXX because it doesnt run but XXXX still paying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reported this several times times about how this account reports as open and it even reports payments as late when the account is closed I asked for it to be removed because it is incorrect and has been altered and it hasn't been removed

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reported this several times times about how this account reports as open and it even reports payments as late when the account is closed I asked for it to be removed because it is incorrect and has been altered and it hasn't been removed

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 2025-07-30 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:
On XX/XX/XXXX I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/XXXX, at XXXX XXXX  in XXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX  XXXX - {$330.00} ( Account # XXXX ) XXXX XXXX - {$290.00} ( Account # XXXX ) XXXX XXXX XXXX {$610.00} ( Account # XXXX ) XXXX - {$580.00} ( Account # XXXX ) XXXX - {$3000.00} ( Account # XXXX ) XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion

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 2025-07-30 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: CO

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
Funds were sent to my US BANK business checking account using a XXXX transaction yesterday ( XX/XX/scrub>/25 ). Funds never reached the account. I called the bank yesterday ( XX/XX/year>25 ) they claimed the funds would be available within 1-2 hours or by close of business yesterday. Today, still have not received the funds. The bank says they have no clue where the funds are and I must file a dispute with the senders bank. Senders bank confirms that the funds were sent correctly to the correct recipient. 

US Bank basically not taking responsibility for the lost funds

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 2025-07-30 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: CA

Complaint narrative:
XXXX"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bankXXXX 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 2025-07-30 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: OH

Complaint narrative:
Tere are too much negative items hurting my credit, collections that has not been validated, making my financial life really hard for me. I want closed accounts to and all unauthorize inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I believe some collection accounts listed on my report contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-30 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: MS

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-30 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: OK

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am seeking your help to begin an investigation into these accounts, as they are inaccurately reflected on my credit report. Pursuant to USC 1681g, I am requesting their deletion within XXXX days. Relevant documentation is enclosed for your consideration. Moreover, the information reported differs among the bureaus and contains discrepancies.

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