vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and its servicer, Resurgent Capital Services. 

The company is attempting to collect on an account originally from XXXX XXXX XXXX, XXXX. ( Account ending in XXXX ) that was purchased by LVNV on XX/XX/year>. Resurgent Capital Services is currently managing the account and demanding payment in the amount of {$850.00}. 

This account is time-barred under California law XXXX California Code of Civil Procedure 337 provides a four ( 4 ) year statute of limitations for written contracts, which has expired. Despite this, Resurgent continues to attempt collection without disclosing that the debt is time-barred, in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and Californi

a state law. In addition, under the Fair Credit Reporting Act ( FCRA ), negative accounts may not be reported for more than seven ( 7 ) years from the date of first delinquency. Since this debt was already delinquent before XX/XX/year>, it is now past the XXXX reporting period. If it remains on my credit file, this is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: SC

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 2025-09-08 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: SC

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 2025-09-08 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: CA

Complaint narrative:
Personal information like address, names phone number are wrong. I have contacted them multiple times and ask for them to be removed. However they act as if they did but unfortunately nothing was done.

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 2025-09-08 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: CA

Complaint narrative:
Personal information like address, names phone number are wrong. I have contacted them multiple times and ask for them to be removed. However they act as if they did but unfortunately nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I recently received my credit report and noticed an inaccuracy on my XXXX XXXX account. I have a late payment reflecting on my account that was actually paid on time. It is crucial that consumer reporting agencies report all information with complete accuracy. My payment for XX/XX/year> was in fact paid on time. Therefore, I am now requesting you investigate this account. Thank you for your understanding and prompt action to this issue.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX AND MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXXXXX AND MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX store because I was going to make several large purchases and they offered refund on taxes if you open a credit card with them. I made purchases totaling approximately {$4200.00} and selected to pay the balance in full on XX/XX/XXXX. The payment unfortunately posted on XX/XX/XXXX and a late payment was charged mostly likely late XX/XX/XXXX after I made the full balance payment. I did not think to look back at this credit card because I no longer planned to ever use the credit card again, nor did I receive any statements by mail or email stating I had an outstanding balance. 

In XX/XX/XXXX I went to do a soft credit pull to get pre-approved for a home loan and noticed that my nearly perfect credit score ( somewhere around XXXX ) dropped to XXXX. I was not sure why and so did a check of my credit report to find that this account was delinquent for over XXXX  months. I immediately reached out to XXXX XXXX  ( who services the credit card ) and paid off the late payments in full to bring the credit card balance down to {$0.00}. I then reached out to the bank via their internal messaging center to obtain a goodwill letter to submit to the credit bureaus to show that I fully paid off all outstanding balances and I am in good standing. However, the bank refused to submit this goodwill letter. From a supervisor on the phone I understood that it was because it was more than XXXX delinquent and apparently it is against company policy to submit a goodwill letter for that length of delinquency. 

I attempted a second time in late XXXX XXXX as I was again getting pre-approved for a home loan and again I got a letter via snail mail stating that the request is duplicated and no changes will be made. I have tried multiple times to establish a line of communication with the Credit Bureau Reporting Department of XXXX XXXX  but there is no way to reach a human to speak with to explain my case. It is all via internal emails on my account page and I have to wait weeks for a response. 

Because of this day-late posting error my current interest rate is XXXX  % higher than it should be which will cost me approximately {$120000.00} over the life of the loan. Until this event, I have maintained a perfect credit history with all my lenders. I have never before missed a payment, and I remain committed to managing all of my accounts responsibly.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: FL

Complaint narrative:
I am reporting a serious payroll issue with DailyPay. My wages of {$1400.00}, which were supposed to be deposited on Friday, have not been transferred to my bank account, even though my account information is correct and verified. I have successfully accessed DailyPay advances in the past, so this is clearly an error on DailyPays side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am a victim of identity theft and am submitting this second complaint to address fraudulent information that remains on my Equifax credit report, despite my previous dispute ( Complaint # XXXX ). I have already filed an identity theft report with the Federal Trade Commission ( FTC ) under report number XXXX. 

Despite my previous dispute and the information provided, the following fraudulent accounts are still present on my Equifax credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The continued reporting of this fraudulent information is a violation of my rights under the Fair Credit Reporting Act and XXXX  law. Specifically, XXXX XXXX XXXX addresses the criminal use of personal identification information. I have provided the necessary documentation, including the FTC report, and I demand that these fraudulent accounts be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I asked Experian, Transunion and Equifax to investigate inaccuracies on my credit report. Account type is being reported to Trans Union as an installment experian is reporting it as an auto loan and Equifax is reporting installment. The last report date is reporting inaccurately Trans Union is reporting XX/XX/XXXX, experian reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX. last date active Trans Union is reporting inaccurate XX/XX/XXXX. Experian is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. And the date of last payment is also reporting inaccurate on all XXXX reports trans Union is reporting XX/XX/XXXX experian XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. Thats XXXX different inaccuracy reporting on the same account differently on all XXXX credit bureaus. The FCRA mandate that everything reporting on your credit report should be true and accurate. Please remove

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 2025-09-08 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: OH

Complaint narrative:
XX/XX/XXXX I asked Experian, Transunion and Equifax to investigate inaccuracies on my credit report. Account type is being reported to Trans Union as an installment experian is reporting it as an auto loan and Equifax is reporting installment. The last report date is reporting inaccurately Trans Union is reporting XX/XX/XXXX, experian reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX. last date active Trans Union is reporting inaccurate XX/XX/XXXX. Experian is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. And the date of last payment is also reporting inaccurate on all XXXX reports trans Union is reporting XX/XX/XXXX experian XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. Thats XXXX different inaccuracy reporting on the same account differently on all XXXX credit bureaus. The FCRA mandate that everything reporting on your credit report should be true and accurate. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Vertical Screen
State: OH

Complaint narrative:
XXXX XXXX Bank filed a lawsuit on XX/XX/year> with a disposition date of XX/XX/year>. This is listed on my background check however this was not a lawsuit involving me. 

Another judgment for XXXX Bank in the amount of {$4500.00} in the XXXX XXXX XXXX XXXX XXXX is not mine. 

My father and I share the same name, however those are not my records but yet they have been provided to a potential employer as my records. 

Also, both Bank XXXX XXXX and XXXX XXXX accounts listed on background check have been showing as current for months, yet show outstanding on my background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
Re : Formal DisputeInaccurate/Unverified Reporting for XXXX XXXX Pursuant to FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX ( a ), conduct an independent, reasonable reinvestigation consistent with XXXX XXXX XXXXXXXX. CXXXXes are not proof. Produce running statements/ledgers ( due date, receipt, posting ) for each reported month or delete. 
XXXX XXXX XXXX ( XXXX ). 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Invalid/extra character in account # ; reconcile high-credit/balance/date precision ( Metro 2 XXXX XXXX, XXXX, XXXX ). Provide contract/ledger or delete. 
XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit {$0.00} while cross-bureau data show material balancesmisleading under XXXX ( b ). Correct or delete ( Metro 2 Field XXXX ). 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Clarify whether XXXX column is credit limit is properly populated and consistent with XXXX  ; ensure exactness ( Fields XXXX, XXXX ). Provide ledger or delete. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # root differs from XXXX ; confirm correct # and status ( Closed/paid vs XXXX conflict ). Correct or delete ( FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 Fields XXXX, XXXX ). 
XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXXXXXX XXXX XXXX  Align high-credit, balances, and dates with XXXX  ( Fields XXXX, XXXX ). Provide statements/ledger or delete. 
XXXX ( XXXX XXXX XXXX XXXX XXXX  * Ensure precise alignment of dates/balances with other CRAs ; provide ledger or delete if unverifiable. 
Inquiry not tied to any open/positive accountdelete unless you provide permissible purpose proof ( FCRA XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ) ) : XXXX XX/XX/year> ( delete if no active XXXX relationship applies to this pull ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation