vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-09 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: NC

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2019, Balance : {$91.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Despite multiple attempts to correct the false and inaccurate information on my credit report, my requests continue to be ignored or denied. As a consumer, I have the right to accurate reporting, and that right is being violated by the presence of unverifiable and incorrect data. These inaccuracies are damaging my credit score and causing real harm to my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
On XX/XX/year>2025, I was contacted by Resurgent Capital Services, stating that on XX/XX/year>2025, the above-referenced account was sold to LVNV Funding, LLC. On XX/XX/year>, I sent a Pre-Arbitration Demand, Cease and Desist, and Formal Refusal to Pay under 15 USC 1692c ( c ), invoking my rights and demanding legal proof of ownership. 

Despite this, on XX/XX/year>2025, LVNV Funding contacted me with an Account Summary Reporta direct violation of my refusal to pay. This also constitutes a breach of the FDCPA.

Additionally, both companies have conflicting representations of ownership and are jointly accessing and using my non-public personal information, including my Social Security number, without consent or legal authority. This violates : 15 USC 1692c ( c ), 1692d, 1692e 15 USC 6809 ( 4 ) ( A ) ( Gramm-Leach-Bliley Act ) 42 USC 408 ( a ) ( 8 ) ( Social Security Act ) Furthermore, I request judicial notice that XXXX XXXX, XXXX. frequently securitizes its credit card receivables, transferring them to asset-backed trusts and third-party investors. This severance of legal interest raises significant questions regarding XXXX XXXX 's standing to assign or sell such debts and affects the legitimacy of LVNV 's claimed ownership. 
Attachments : 1. Pre-Arbitration Demand ( XX/XX/year>2025 ) 2. Account Summary Violation ( XX/XX/year>2025 ) 3. Arbitration Demand PDF 4. Invoice for Damages 5. Email correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Despite multiple attempts to correct the false and inaccurate information on my credit report, my requests continue to be ignored or denied. As a consumer, I have the right to accurate reporting, and that right is being violated by the presence of unverifiable and incorrect data. These inaccuracies are damaging my credit score and causing real harm to my personal and financial well-being.

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 2025-07-09 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:
To whom it my concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employer : Self-Employer

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 2025-07-09 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: TX

Complaint narrative:
To whom it my concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employer : Self-Employer

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 2025-07-09 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including two collection accounts reported by XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year> for {$2500.00} and another under the same account number opened on XX/XX/year> for {$4400.00} that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts were reported by XXXX XXXX XXXX, both opened on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX with balances of {$2500.00} and {$4400.00}. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-09 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of one or more collection accounts currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a reasonable reinvestigation of any item I believe to be inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires data furnishers ( such as collection agencies ) to investigate and respond to disputes within 30 days.

Over 30 days ago, I submitted a method of verification request directly to the collection agencies reporting the following accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX As of today, I have not received any documentation or response from the reporting agencies verifying the accuracy, ownership, or legitimacy of these debts. According to 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified during the reinvestigation, the credit reporting agency must promptly delete it from the consumer 's 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
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft. They do not belong to me!

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 2025-07-09 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft. They do not belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2800.00XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-09 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have had a mortgage with Wells Fargo Home Mortgage ( WFBNA ) since XX/XX/XXXX. Despite consistent, on-time monthly payments for over a decade, Wells Fargo failed to report the mortgage to the credit bureaus properly. I recently pulled all three of my credit reports and confirmed that the mortgage does not appear at all on my TransUnion report and was only partially reported on my XXXX  report. It is entirely missing from past years, and the payment history is incomplete. 

In XX/XX/XXXX, I called Wells Fargo and a representative acknowledged that the mortgage account had been suppressed and not reported in full. This failure has had serious financial consequences. I have been denied auto loans, home equity loans, credit cards, and even XXXX XXXX XXXX XXXX such as XXXX and XXXX XXXX. I attempted to trade in my vehicle last weekend and was again rejected for financing. These denials span multiple attempts from XXXX through XXXX. 

Ive suffered dozens of hard inquiries and have been unable to access affordable credit not because of any missed payments or poor history, but because this long-term mortgage ( a major positive account ) was never properly reported. Wells Fargos reporting failure has directly caused me financial damage and limited my ability to make necessary purchases or access fair financial products. 

I am requesting that Wells Fargo : 1. Immediately furnish full mortgage reporting ( including backdated history ) to all three credit bureaus 2. Explain in writing why this mortgage was suppressed for so long 3. Provide financial compensation for the provable credit denials and negative impact this reporting failure has had on my credit profile I have documented proof of the reporting discrepancy and the Wells Fargo acknowledgment and can provide it if needed.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX XXXX and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX XXXX  is acting as a service officer they illegally sold the debt to LVNV FUNDING LLC I demand to see the chain of assignment and purchase agreement to see who really sold the debt to LVNV FUNDING LLC If LVNV FUNDING LLC does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-09 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: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, 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