vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
The same inaccurate accounts continue to show up on my credit report, and it is making me extremely frustrated. They were not removed despite everything I have done. I am pleading for a thorough review of the documents I sent so that I can have peace of mind once and for all.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solutions continues to report an eviction with the same apartment complex but wrong apartment number and without providing valid proof of this debt. I resided at this complex in XXXX in other words this inaccurate debt is over XXXX XXXX XXXX. Over the years I have provided ID and documentation showing this debt does not belong to me and the company hasnt provided nothing. The companys reporting is causing housing instability and violates the Fair Credit Reporting Act 611.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: OH

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 2025-11-11 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: Kikoff Inc.
State: PA

Complaint narrative:
under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), no consumer report shall be furnished to any person except for permissible purposes under the law. Any continued reporting or distribution of unverifiable or inaccurate information may constitute willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o.

If you can not fully verify and substantiate this account, you are required by law to delete it from my credit file immediately.

Please provide the requested information and documentation within 15 days of receipt of this letter. I expect a written response with complete details as required under federal law.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If not please delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AZ

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CL Holdings LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/year> Dear ELAN FINANCIAL SERVICES, This letter is in response to a notice I received from your agency regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following : XXXX. The name of the original creditor ; XXXX. The full amount of the alleged debt and a breakdown of any fees or interest ; XXXX. Copies of any documents bearing my signature showing I agreed to this debt ; XXXX. Proof that your agency is authorized to collect on this account ; XXXX. A copy of your license to collect in my state, if applicable. 

Until this information is provided, you must cease all collection activity and reporting to credit bureaus as required under 15 U.S.C. & 1692g ( b ).

Thank you for your prompt attention to this matter. Please respond in writing to the address above.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from LVNV Funding LLC bill for an amount of {$1400.00} for a debt collection they bought from XXXX XXXX XXXX 

XXXX XXXX locked my account without reason, preventing me from accessing it and making timely payments. Their system also failed to post funds that were already available. They then charged late fees based on their own system error and added additional late fees on top of that. I initially paid some of these charges in good faith before realizing the account should not have been billed. 

These fees were then sent to collections, and negative credit reporting was filed based on improper and invalid charges, which violates the Fair Credit Billing Act and FCRA accuracy requirements. 

I am requesting removal of all negative reporting and the recall of the collection, as the debt is based entirely on Credit Ones system and access errors. Please review the account access logs, payment posting records, and closure documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy appearing on my credit report, and I respectfully request that an investigation be initiated to correct and remove it within 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement regarding XXXX XXXX XXXX continued reporting of inaccurate and unverifiable information related to Account No. XXXX, which reflects a false late payment dated XX/XX/XXXX. Despite my previous dispute letter dated XX/XX/XXXXXXXX XXXX XXXX  has failed to provide any supporting documentation, account records, or verification details to substantiate the accuracy of this reported delinquency. Their inaction and lack of transparency demonstrate a clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX ( b ), which requires furnishers of credit information to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. XXXX XXXX XXXX failure to produce evidentiary proof of the alleged late payment, while continuing to report this information to XXXX XXXX XXXX constitutes willful and negligent noncompliance with federal reporting obligations. This has caused ongoing harm to my credit profile, creditworthiness, and financial opportunities, and it represents a failure of the furnisher to uphold fair and accurate reporting practices as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a victim of redlining by being pre approved for a mortgage with Wells Fargo for {$350000.00}. I was then told I was denied for the loan. I have also been a victim of identity theft with Wells Fargo when my bank account had other emails, and phone numbers attached to an open account. At this time I am unable to login to online banking after going to a branch and speaking to customer service over the phone. Wells Fargo has signed me up for products I never signed up for and these violations have caused me financial harm. If Wells Fargo fails to cure I will retain counsel to seek justice for 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 2025-11-11 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: LA

Complaint narrative:
I am disputing inaccurate reporting related to my XXXX XXXX XXXX and XXXX XXXX XXXX accounts appearing on my credit report. 
The information is inconsistent and unverifiable. For example, XXXX XXXX XXXX is reported with a {$2100.00} balance even though the account was closed and substantially paid down as of XX/XX/2025. XXXX XXXX XXXX is also showing an incorrect payment history and late payments that are not accurate. 
I previously submitted disputes to the credit bureaus, but the furnishers failed to provide proper verification or documentation as required under FCRA 611 ( a ). The accounts continue to report inaccurate balances and payment histories, causing harm to my credit standing.

Because the furnishers have not substantiated the data, the accounts should be deleted or corrected immediately in accordance with FCRA XXXX ( a ) ( XXXX ). I request the CFPB ensure that XXXX XXXX Auto, XXXX XXXX XXXX, and the credit bureaus investigate properly and remove any unverifiable information. ALL ACCOUNTS MUST BE REMOVED THATS NOT CORRECT DO TO THE CREDIT LAW FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B )

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 2025-11-11 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: LA

Complaint narrative:
I am disputing inaccurate reporting related to my XXXX XXXX XXXX and XXXX XXXX XXXX accounts appearing on my credit report. 
The information is inconsistent and unverifiable. For example, XXXX XXXX XXXX is reported with a {$2100.00} balance even though the account was closed and substantially paid down as of XX/XX/2025. XXXX XXXX XXXX is also showing an incorrect payment history and late payments that are not accurate. 
I previously submitted disputes to the credit bureaus, but the furnishers failed to provide proper verification or documentation as required under FCRA 611 ( a ). The accounts continue to report inaccurate balances and payment histories, causing harm to my credit standing.

Because the furnishers have not substantiated the data, the accounts should be deleted or corrected immediately in accordance with FCRA XXXX ( a ) ( XXXX ). I request the CFPB ensure that XXXX XXXX Auto, XXXX XXXX XXXX, and the credit bureaus investigate properly and remove any unverifiable information. ALL ACCOUNTS MUST BE REMOVED THATS NOT CORRECT DO TO THE CREDIT LAW FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am very concerned and frustrated that inaccurate late payments remain on my credit reports this morning. The inaccurate late payments were not corrected when I checked. I demand that the documents I submitted be reviewed promptly so I no longer have to face this stress.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I recently discovered that Caine & Weiner is reporting an alleged insurance-related collection account under my name. This is the first time Ive ever seen or been notified of this debt. I have never received a bill, claim, or any correspondence from Caine & Weiner at my current address, and I have no record of ever owing any balance connected to an insurance policy. 

I honestly dont know what this is or where it came from. Ive never been contacted or given a chance to verify or dispute the balance before it appeared on my credit report. Im trying to understand whether this was a mistake, a data mix-up, or a policy I was never informed about.

Under FDCPA 1692g ( b ), Caine & Weiner must provide full validation before continuing collection or reporting. Under FCRA 1681e ( b ) and 1681s-2 ( b ), they are required to ensure the accuracy of what they report and to verify disputed data. I have not received any of the documentation required to confirm this debt is legitimate, including a policy number, claim number, billing statements, or proof that Caine & Weiner is licensed and authorized to collect insurance-related debt in Alabama. 

If this is connected to an insurance policy or claim, continuing to report or collect without proper authorization or validation violates FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ), FCRA 1681e ( b ) and 1681i, and Ala. Code 27-12-11, which prohibits deceptive or unfair insurance practices.

This has caused confusion, stress, and harm to my credit. Im simply trying to understand why a company Ive never dealt with is reporting a collection account Ive never been notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XX/XX/XXXXdays, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XX/XX/XXXXdays, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AZ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation