vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute the accuracy of the following items that have been reported on my credit report. I believe that the items listed below are either inaccurate, incomplete, or improperly reported, and I request that these disputes be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00}

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 non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am a consumer seeking to resolve discrepancies in my credit reports. Below are the details of the accounts in dispute across the XXXX major credit bureaus : Charged-Off Accounts DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$980.00} Late Payments XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
There are several items appearing on my Experian report that I believe to be inaccurate or improperly verified. I have contacted Experian to request validation, but the reporting continues without correction. I respectfully request the CFPB to assist in reviewing these matters and ensuring that the reporting complies with FCRA standards for accuracy and completeness. 

Charged Off Accounts : XXXX  XXXX XX/XX/2023 {$410.00} Inquiries : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-11-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report. Please find below the details of the accounts I am disputing, separated by credit bureau. 

CHARGED OFF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00} Issue : Inaccurate reporting of balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
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. 
XXXX  XXXX Bankruptcy Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any errors in reporting these payments are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am disputing the information currently reported by Equifax, and request a thorough investigation and correction of any inaccuracies in the following accounts. 

XXXX XXXX Accounts : XXXX, XXXX, XX/XX/year>, {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report with the credit bureaus and XXXX an investigation and correction of the inaccurate or incomplete information. Below is a detailed list of the accounts that I am disputing, separated by credit bureau. 

Charged-Off Accounts : XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Inquiries : XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This medical debt of {$610.00}. Is not mine and was apart of a data breach. I do not have any XXXX XXXX or collections in general. I have 100 % payment history on all XXXX plus account I maintain. This account does not reflect my credit profile. XXXX  in XXXX  has already removed this collection from my credit profile due to the false information and the fraudulent charge that created this issue. This account must be removed enclosed in my credit profile with XXXX XXXX must be updated accordingly This account needs to be updated, enclosed immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-11-12 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account XXXX XXXX XXXXXXXX ( XXXX  ) Issue : Unverifiable debt, reported as collection/charge-off. 
Violation ( XXXX ) : FCRA 1681e ( b ), 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

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 2025-11-12 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: MA

Complaint narrative:
DEAR CFPB ; RESURGENT/LVNV FUNDING : I am formally disputing the accuracy, validity, and completeness of the account reported under Resurgent Capital Services XXXX LVNV Funding LLC XXXX XXXX to originate from XXXX XXXX XXXX XXXXXXXX XXXX ( Account XXXX. XXXX, balance {$630.00} ). 

I have no verified relationship or signed agreement with Resurgent Capital Services or LVNV Funding LLC, and no record that they were ever assigned legal ownership of this alleged account. To date, I have not received the required validation proving that LVNV Funding has standing to collect, report, or verify this debt. 

Pursuant to FDCPA 1692g ( b ) and FCRA 1681e ( b ), 1681s-2 ( b ), I am requesting full and lawful validation, including : The original signed agreement with CXXXX XXXX XXXX XXXX XXXX chain of title / assignment documents showing legal transfer from XXXX XXXX XXXX to all intermediate entities, ending with LVNV Funding ; The bill of sale and forward-flow agreement identifying my specific account ; An itemized statement of the amount claimed owed and how it was calculated ; and Proof of LVNVs authority to furnish and verify this data to the credit bureaus. 

Generic balance statements or internal account summaries do not satisfy federal validation requirements. Until this documentation is produced, the account remains unverified and must not be reported or collected upon. 

Continuing to furnish unverifiable information violates FCRA 1681e ( b ) and 1681s-2 ( b ), which require data furnishers to maintain maximum possible accuracy and to correct or delete disputed information they can not verify. Courts have consistently ruled in favor of consumers in such circumstances see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; and XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Additionally, the CFPBs XXXX advisory opinion clarified that debt buyers must have complete substantiation of an account before furnishing or verifying any data with a consumer reporting agency. LVNV Funding has previously been cited by the CFPB and several state XXXX XXXX for improper validation and reporting practices underscoring that unverifiable debt can not lawfully remain on a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways you can not fathom, and they are causing significant ongoing harm during these challenging times. It would be imperative to correct or remove these inaccuracies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
DEAR XXXX & XXXX : I am disputing the accuracy, validity, and completeness of the account reported under Caine & Weiner XXXX XXXX originating from XXXX  XXXX  XXXX Account No. XXXX, balance {$1100.00} ). 

I have not received any documentation establishing a legally binding financial relationship with XXXX XXXX that would create a consumer debt obligation eligible for collection or credit reporting under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

To date, I have not been provided any of the following : A copy of the original billing agreement or contract allegedly creating this debt ; An itemized statement showing how the {$1100.00} balance was calculated ; Proof that XXXX XXXX legally transferred or assigned this account to Caine & Weiner ; Evidence that this alleged insurance balance qualifies as a consumer debt under 15 U.S.C. 1692a ( 5 ) ; and Verification that Caine & Weiner has a permissible purpose under FCRA 1681b to furnish or verify this information with the credit bureaus. 

Without these documents, the account remains unverified and unsubstantiated, and its continued reporting constitutes a violation of FCRA 1681e ( b ) and 1681s-2 ( b ) and FDCPA 807 ( 8 ). 

Federal courts have repeatedly held that furnishers and collectors must delete unverifiable data from consumer reports see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Furthermore, insurance billing disputes typically fall outside the FDCPAs consumer debt definition. If this balance arose from a policy adjustment, cancellation fee, or subrogation matter, it is not a validly reportable debt under federal credit laws. Any continued reporting of such an account may constitute a deceptive practice under the XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

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 XXXX 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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account, telling me there was a problem with an associated PayPal account. PayPal still functions fine and representatives there tell me there is no problem with my account, which I have had for over XXXX  years. XXXX  refuses to release my funds, telling me I have to wait XXXX  days. Venmo will NOT tell me what the supposed problem is, and will NOT let me talk to a human being, and has sent only XXXX emails, each of which is non-responsive ( see attachments ). XXXX  refuses to answer emails, and speaking to XXXX  reps on the phone is not helpful because they say they are not authorized to address the situation and that I must use email -- which is not responded to. XXXX  is a fraud. I deserve access to my own money. All my transactions were legitimate. There is no reason for XXXX  to steal my money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I made a payment on my student loans on XX/XX/XXXX in the amount of XXXX. I was declared totally and permanently XXXX according to the VA. The effective date of when I became XXXX  according to the VA is XX/XX/XXXX. On XX/XX/XXXX I was approved for total and permanent XXXX loan discharge and my loans were properly XXXX. On XX/XX/XXXX I received a refund of XXXX. XXXX been contacting Nelnet nonstop to inquire about my remaining refund and I have received a run around. XXXX  also told me to contact XXXX contact line directly and they redirect me back to Nelnet every time. I do not know what else to do to get the matter resolved. I have sent emails and called countless times and no one has been able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation