vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report still shows late payments even though the account has been settled completely.

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 — Account information incorrect
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
This debt is being reported without proper validation or proof that it belongs to me. I have never received any documentation, original signed contract, or verification of the amount owed. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), any account that can not be fully validated must be removed. I am requesting that CFPB investigate XXXX XXXX XXXX and require deletion of this inaccurate and unverified collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX Resurgent/LVNV funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : XXXX. * * The name and address of the original creditor * *, and the original account number. 
XXXX. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied XXXX. A * * copy of the original signed contract or agreement * * that created the debt. 
XXXX. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Resurgent/LVNV funding LLC has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company. 
XXXX. The * * date Resurgent/LVNV funding LLC acquired the debt * *, and from whom. 
XXXX. * * Proof that the statute of limitations * * on this debt has not expired. 
XXXX. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ). 
XXXX. Any * * verification provided to credit bureaus * * ( if XXXX reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against multiple creditors and debt collectors for reporting inaccurate, unverifiable, and misleading information on my credit reports. These entities are violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB guidelines by continuing to report negative items that are not accurate, not properly validated, or do not belong to me. 

Below are the disputed accounts currently damaging my credit profile : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Reported as Collection | High Credit : {$1300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX | Reported as Charge Off | Credit Limit : {$4500.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Reported as Charge Off | High Credit : {$5400.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Reported as Charge Off | High Credit : {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | Reported as Charge Off | High Credit : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Reported as Collection | High Credit : {$190.00} My concerns are as follows : Several of these accounts show reporting errors, including dates opened that do not align with my records, balances that are inconsistent, and debts that I do not recognize as mine. 

XXXX agencies such as XXXX XXXX and XXXX XXXX are attempting to collect without providing proper validation of the debts as required under FDCPA. 

Charge-off accounts are being reported in a misleading manner, damaging my creditworthiness, and in some cases, may exceed the allowable reporting period under FCRA.

These creditors and collectors have failed to provide proof of ownership, proper account documentation, or signed contracts verifying my responsibility for these debts. 

Requested Action : I am requesting that the CFPB investigate these creditors and furnishers for violations of FCRA and FDCPA. Specifically, I demand that these accounts be properly validated with full documentation or immediately removed from all credit reporting agencies to prevent further harm to my financial standing. 

I have suffered significant emotional and financial distress due to these inaccuracies. I expect the CFPB to hold these entities accountable and ensure compliance with federal law.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the even
t that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX This various late payments does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXXXXXX XXXX I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made.

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: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
b"Since XXXX  ive been requesting verification of the loan made in my name with this company \n(Regional Acceptance corporation) but its been feeling like a third party collection company, through the phone and was getting nowhere and I was told there was a loan created in my name to get a car I'm just asking to see the necessary paperwork under law until I learned that I have consumer rights and to create a paper trail when seeking documents so I reached out for disclosure and validation of loan and check verification and compliance with UCC and USC yet still no success and read the CFPB can help.\n\nRemittance Coupon \nI was sent a bill for the first payment which was paid XXXX and received XXXX tracking: XXXX XXXX XXXX XXXX XXXX XXXX certified mail and notarized  items where not returned. \n\nOn XXXX they sent the letter saying they could not accept but will remain a copy of the documents I sent in case of canceling the Debt they say I owe and in response to XXXX XXXX XXXX  someone  sent a copy  of a copy of my original promissory note  that's it, no  certified copy, endorsements, assignments or transfers, holder in due course. A complete Ledger of all charges, credits,debits and transfers to the account since origination and regulatory compliance.\n\nXXXX I received 2 letter about payment to the account \n\nXXXX I sent a demand for verification and compliance with UCC and USC certified mail and notarized to two locations \nTracking: XXXX XXXX XXXX XXXX XXXX XXXX received XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX\nTracking: XXXX XXXX XXXX XXXX XXXX XXXX in transit  to XXXX XXXX XXXX XXXX, NC XXXX\n\nRemittance Coupon \nXXXX Second payment when out and received XXXX it had two payments as if they never took the first one but didn't send it back. Second payment tracking: XXXX XXXX XXXX XXXX XXXX certified mail and notarized. \n\nI've made payments under duress even though I haven't received the documents I asked for. while trying to just verify and exercise my rights now in fear of losing my property in a repo to a organization not standing in good faith with my name or proving holder in due course, which will cause future damages and credit damages."

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I commenced a settlement arrangement with XXXX on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. This account was never reported as settled. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. I have disputed this with XXXX  and Experian, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting XXXX directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the 2nd time we emailed our document to XXXX. XXXX finally sent the settled-in-full letter dated XX/XX/XXXX but Experian and XXXX  have still failed to investigate and correct our credit reports

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My husband and I commenced a settlement arrangement with XXXX on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. This account was never reported as settled. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. I have disputed this with TransUnion and XXXX, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting XXXX directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the XXXX time we emailed our document to XXXX. XXXX finally sent the settled-in-full letter dated XX/XX/XXXX but XXXX  and TransUnion have still failed XXXX investigate and correct our credit reports

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized information that has been reported to my Experian credit report, which is seriously affecting my credit standing. Experian is currently reporting XXXX false addresses that do not belong to me and several unauthorized credit inquiries that were made without my consent or any permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ). The false addresses being reported are XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX I have never lived at, owned, or been connected to either of these addresses in any way. They are not associated with my verified identification or any legitimate accounts. The continued presence of these addresses on my Experian credit file is inaccurate and misleading, and they must be deleted immediately. 

In addition to the false addresses, Experian is also reporting unauthorized hard inquiries that I did not initiate or authorize. Specifically, the inquiries are from XXXX dated XX/XX/year> and XXXX dated XX/XX/year>. I never applied for credit, loans, or any financial services from these companies, and I did not give permission for my credit report to be accessed. These inquiries were made without a permissible purpose under FCRA Section 604 ( a ) and are therefore invalid. The presence of these unauthorized inquiries has negatively impacted my credit score and may indicate either identity misuse or an error in Experians reporting process.

I have already disputed these items directly with Experian, requesting that they conduct a full reinvestigation and remove the inaccurate information. However, Experian failed to properly verify or correct these errors, leaving the inaccurate data on my credit file. This inaction constitutes noncompliance with the Fair Credit Reporting Act, which requires credit reporting agencies to ensure maximum possible accuracy of consumer information and to promptly correct or delete unverifiable or inaccurate data. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and compel Experian to take immediate corrective action. Specifically, I am asking that Experian permanently delete the false addresses XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and remove the unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX dated XX/XX/year>. I am providing proof of my identity and current address to verify my claim. I also request that the CFPB ensure Experian complies with all provisions of the Fair Credit Reporting Act and maintains the accuracy, integrity, and fairness of the information being reported about 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 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: OneMain Finance Corporation
State: CA

Complaint narrative:
My wife and I commenced a settlement arrangement with OneMain on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. Prior to agreeing to settlement we were making the monthly payments on time. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. This account was reported 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX and XX/XX/XXXX, then from XX/XX/XXXX - XX/XX/XXXX reported as charged off with a past due balance, yet never reported as settled. I have disputed this withXX/XX/XXXX andXX/XX/XXXX and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting OneMain directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the 2nd time we emailed our document to OneMain. OneMain finally sent the settled-in-full letter dated XX/XX/XXXX but XX/XX/XXXX andXX/XX/XXXX have still failed to investigate and correct our credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NM

Complaint narrative:
Dear Credit Bureau, I am writing to dispute inaccurate information being reported on my credit file concerning my XXXX XXXX account. on Equifax, Trans Union and Experian. 

Account Name : XXXX XXXX According to your report, this account reflects only 14 payments made, when in fact, I have made 16 payments to date. This error misrepresents my payment history and may negatively affect my credit profile. 

I am requesting that you : XXXX. Investigate this matter with XXXX XXXX. 
2. Correct the reported number of payments to accurately reflect 16 payments made.

3. Update my credit report accordingly and provide me with written confirmation once the update is complete.

Enclosed are supporting documents including : Recent account statements from XXXX XXXX showing payment history. 


Please conduct your reinvestigation under the Fair Credit Reporting Act ( FCRA ) and provide me with the results in writing within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation