vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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 request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
This is the third debt that I have no knowledge of I tried dispute this with the company for any accurate information. This is also was a charge off in debt was clear with a third-party that doesnt follow the law with no proof of the debt or signing of the original debt from the original credit owner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
This is the third debt that I have no knowledge of I tried dispute this with the company for any accurate information. This is also was a charge off in debt was clear with a third-party that doesnt follow the law with no proof of the debt or signing of the original debt from the original credit owner

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 2025-07-08 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: NJ

Complaint narrative:
This is the third debt that I have no knowledge of I tried dispute this with the company for any accurate information. This is also was a charge off in debt was clear with a third-party that doesnt follow the law with no proof of the debt or signing of the original debt from the original credit owner

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 2025-07-08 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: OneMain Finance Corporation
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations. 

Issues Identified : XXXX. Improper Charge-Off Reporting : One Main Financial Account : XXXX XXXX XXXX Account : XXXX These accounts has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment. XXXX. Failure to XXXXXXXX XXXX XXXX XXXX : Under IRS regulations XXXX once a debt is XXXX or deemed uncollectible and written off as a loss, a XXXX Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud. XXXX. Violation of GAAP and XXXX XXXX : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and to credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ). Demands : XXXX deletion of the fraudulent charge-off from all credit reporting agencies. Issuance of IRS Form XXXX, retroactive to the year the charge-off was recorded, in compliance with IRS XXXX XXXX. A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible. Full documentation showing legal ownership, assignment, and validation of the alleged debt. Failure to respond to this letter within XXXX business days will result in the filing of complaints with : The IRS XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
improper reporting towards my credit no valid information is a third-party debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am filing a complaint against LVNV Funding LLC / Resurgent Capital Services regarding a {$1300.00} collection account they claim to be collecting for XXXX XXXXXXXX XXXX While this debt is currently under reinvestigation, I have been receiving calls from debt collectors associated with this company using my phone number XXXX. 

During one or more of these calls, a representative used obscene, aggressive, and verbally abusive language, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692d ( 2 ). This provision prohibits the use of obscene or profane language or language intended to abuse the hearer or reader. 

These calls have occurred despite the account being flagged as Consumer Disputes - Reinvestigation in Progress on my XXXX  credit report. Not only is the balance questionable, but their method of communication has been harassing, intimidating, and abusive in nature. 

I have not been contacted with a formal, respectful notice of debt validation or breakdown. Instead, I am being subjected to hostile phone calls during an active dispute process, which is unethical and in direct violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : 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 2025-07-08 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/2025 To : DRS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute Request for Investigation Dear XXXX XXXX XXXX, I am writing to dispute the accuracy of information you have reported to the credit bureaus regarding the account listed below. I reviewed my credit report and found an error that I believe requires correction or removal. 
Disputed Information : Creditor Name : DRS I respectfully request that you investigate this matter and either correct or remove the inaccurate information you have furnished. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. Please complete your investigation within the required time frame and notify me in writing of the results. If the disputed item is found to be inaccurate, please also notify all credit reporting agencies to which this information was provided. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
I AM NOT REQUESTING A CREDIT REPORT! I am asking for the follwoing : XXXX. HIstorical Metadata XXXX. Purged or altered entries XXXXinternal flags access logs, XXXX. Data shared by XXXX parties such as XXXX Bank CRas are required to provide this data. We received a response stating I have no credit file for the past 7 years which is a lie. I have XXXX current files and several other closed files. 

See attached Equifax credit report which clearly shows tradelines. They need to provide this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Case Number : XXXX I am submitting this supplemental dispute to inform you that I have officially filed a lawsuit against Experian in the District of Columbia Small Claims Court. The case number is XXXX. 

Despite multiple disputes and clearly submitted evidence, Experian has failed to properly investigate and continues to update my report with inaccurate and misleading information. This includes ongoing post-charge-off notations, an inflated past due balance, and duplicate payment history errors. 

The lawsuit was filed due to Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. I am requesting the CFPB escalate this dispute and consider enforcement action. This court case is now part of my public record and should be included in the CFPB complaint file.

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 2025-07-08 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:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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