vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-22 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: SC

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Summary of Complaint : This complaint is against LVNV Funding LLC / Resurgent Capital Services for multiple, clear violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and 1692e, along with potential violations of the Fair Credit Reporting Act ( FCRA ), related to their illegal continuation of collection activity after receiving a proper written debt validation request. 

Detailed Timeline and Violations : On XX/XX/year>, I mailed a formal Debt Validation Request to LVNV Funding LLC ( Resurgent Capital Services ) via XXXX. This letter clearly disputed the alleged debt and demanded proper validation in accordance with 15 U.S. Code 1692g ( b ). 

In that letter, I : Identified the debt and creditor by name and account number. 

Clearly disputed the debt and requested validation before any further collection actions. 

Instructed them to cease communication and collection activity until validation was provided. 

Informed them that reporting to credit bureaus during the dispute would be improper under the FCRA and FDCPA. 

Requested written confirmation or proof of validity of the alleged debt. 

As of today ( XX/XX/year> ), no such validation has been provided. Instead, I received an unsolicited collection attempt email from Resurgent Capital Services on XX/XX/year>, pressuring me to pay or set up a payment plan. This email was not in response to my validation request and did not contain any of the legally required documentation.

Violations Committed : 1. Violation of 15 U.S. Code 1692g ( b ) : They were required to cease all collection activity until they responded with proper validation. They did not. The XX/XX/XXXX email constitutes an illegal collection attempt while the account remains in dispute. 

XXXX. Violation of 15 U.S. Code 1692e ( 10 ) : The email is a misleading representation of the consumers obligation, made while they were legally barred from collection attempts. No mention was made of the active dispute. This is deceptive and unlawful.

3. Violation of 15 U.S. Code 1692f : Continuing to email me with collection efforts under the guise of options while ignoring a valid dispute request constitutes unfair and unconscionable means of attempting to collect a debt.

4. Potential Violation of FCRA 15 U.S. Code 1681s-2 ( a ) ( 3 ) : If they have reported this debt to any credit bureau during or after my dispute, and failed to mark it as disputed, they are in violation of FCRA requirements as well. 


I have attached both my original validation request and their illegal collection email for CFPB review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-22 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: MI

Complaint narrative:
I am disputing inaccurate and potentially misleading information being reported by XXXX XXXX XXXX . The account was opened in XX/XX/XXXX and is now closed with a {$0.00} balance. The company charged off the account for {$2700.00} and subsequently sold it to XXXX XXXX XXXX XXXX XXXX. 

Despite the sale, XXXX is still reporting negative payment history, including multiple months of delinquencies and charge-off status updates through XX/XX/XXXX. This is misleading and may be a violation of the Fair Credit Reporting Act, as the original creditor should not continue updating a sold account or reporting post-sale delinquencies. It also results in what appears to be duplicate reporting of the same debt, since XXXX is now furnishing information on the same account. 

I believe this inaccurate reporting is negatively impacting my credit profile and causing undue harm. Ive attempted to resolve the issue directly but have not received a resolution. Im requesting that the CFPB review this matter and ensure the information being reported is accurate and compliant with FCRA regulations.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under tracking according to XXXX-debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX. {$5100.00}

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
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely monitor my credit, but this time unexpected discrepancies appeared. I even refreshed my browser thinking it might be a temporary glitch, but the errors remained. Given this, I kindly request a careful review of the documents Ive provided to ensure this issue is resolved for good.

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 2025-04-22 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

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 2025-04-22 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: NV

Complaint narrative:
I recently reviewed my credit report and see a collection on my records for amount of {$12000.00} prof bebt, i already tried to fix with transunion and equifax and they no take any action about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom it XXXX concern : I reviewed my credit report and found odd items you are reporting which are impacting my good name. I'm not liable for this debt with NATIONAL CREDIT SYSTEMS & do not have a contract with this business. I am requesting an investigation to please verify that this collection reported is XXXX XXXX accurate. 

Account XXXX : National credit systems Account XXXX XXXX aware section 609 requires you to have proof of ownership of this account belonging to me. Please send me documentation otherwise delete it from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
Purchased a vehicle in XXXX, they repossessed my car in XX/XX/XXXX and still have me missing payments in XXXX, XXXX and XXXX of XXXX, never received any correspondence about the repost or sale of the vehicle, I had the car 55 of the 57 months that the car was financed so there is no way that I still owed the original amount of my original contract, which was Honor finance and I never signed a contract with XXXX XXXX or XXXX XXXX and there information is incorrect and fraudulent as you can see in the payment history that was submitted, and I would like this removed from my TransUnion and Equifax credit report and never put back on there and do not put it on my Experian report, because it was never there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Purchased a vehicle in XXXX, they repossessed my car in XX/XX/XXXX and still have me missing payments in XXXX, XXXX and XXXX of XXXX, never received any correspondence about the repost or sale of the vehicle, I had the car 55 of the 57 months that the car was financed so there is no way that I still owed the original amount of my original contract, which was Honor finance and I never signed a contract with XXXX XXXX or XXXX XXXX and there information is incorrect and fraudulent as you can see in the payment history that was submitted, and I would like this removed from my TransUnion and Equifax credit report and never put back on there and do not put it on my Experian report, because it was never there

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 2025-04-22 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: DE

Complaint narrative:
I disputed an account with Experian ( dispute # XXXX ) that is reporting XXXX incorrect lates as well as a host of incorrect information XXXX XXXX  Account number XXXX ). My dispute included my bank statements proving that the company was paid the months they are reporting late. As a part of my dispute I also requested that if experian would respond with a verified that they include the documents used to prove such, as it was impossible to prove against my bank statements. XX/XX/XXXX Experian did indeed respond with verified WITHOUT any documentation requested. the contact information for the company is not a real number as it only rings a few times and disconnects. Experian is ignoring my proof, did not contact the company, did not truly investigate and is willfully reporting inaccurate information all violating my FCRA rights. I request that this entire account be deleted If the incorrect balance is not updated. it shows paid on time on the way up to XX/XX/year> so how could 0 % paid off be reported? the monthly amount is also incorrect. I request what method was used to contact the creditor, and I request the documents on file that proves that these lates are accurate as I have provided the bank statements proving otherwise. I am also disputing this account with Transunion as well for the same reasons

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : UNIVERSAL PAYMENT CORP acct # XXXX 1. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 
2. * * Details of the debt * * : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
3. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
4. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Untimely response