vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed that on XX/XX/year> XXXX XXXX added inaccurate/unauthorized information to my credit report in the amount of {$700.00}. This remark has been detrimental to my life and my credit health. 

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 U.S.C. 1681 ( e ) ( b ). 

And according to 15 U.S.C 1681 5 theyre supposed to do ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item if the information is found to be inaccurate, incomplete, or can not be verified. The consumer reporting agency shall 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 ( i ) promptly notify the furnisher of that information that it has been modified or deleted from the file of the consumer. 

Im disputing this account under 15 U.S.C 1681i, improper verification of disputed information. They also have no permission to report anything using my information. This is not my account ; I have no knowledge of it and this company is violating my consumer rights to privacy per 15 U.S.C. 1681b. Please remove the XXXX XXXX ( account number XXXX ) immediately.

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 2025-05-29 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:
In late XX/XX/year>, while reviewing my credit reports, I discovered that my XXXX XXXXXXXX XXXX account contained a negative entry for a late payment that is not supported by my actual payment history. I had always maintained an up-to-date record on this account, and this erroneous late payment mark has persisted despite my previous dispute efforts. 

On XX/XX/year>, I submitted a formal dispute regarding this issue. In my dispute, I provided copies of my payment records and prior credit reports that clearly demonstrate that all payments were made on time. I specifically requested that the bank furnish a full payment history for the account, including the exact dates and amounts of all payments, and an explanation of the criteria used to designate a payment as late. 

XXXX XXXXXXXX XXXX  responded briefly on XX/XX/year>, acknowledging that my dispute was under investigation. However, the response did not include detailed evidence or a clear explanation of their verification process. No corrective action was taken, and the inaccurate late payment data remains on my file. 

This unresolved negative reporting, which includes an unsupported late payment ( with its associated negative impact on the accounts history ), has since continued to lower my credit score and adversely affect my financial opportunities. I have taken all necessary steps to dispute the error and have provided ample supporting documentation. Yet, the inaccurate information has not been corrected or removed from my credit file. 

I respectfully request that this negative entry be removed immediately and that I receive full, detailed documentation of the payment history along with a clear explanation of the verification process. This will confirm that the information reported about the account is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In late XX/XX/year>, while reviewing my credit reports, I discovered that my XXXX XXXXXXXX XXXX account contained a negative entry for a late payment that is not supported by my actual payment history. I had always maintained an up-to-date record on this account, and this erroneous late payment mark has persisted despite my previous dispute efforts. 

On XX/XX/year>, I submitted a formal dispute regarding this issue. In my dispute, I provided copies of my payment records and prior credit reports that clearly demonstrate that all payments were made on time. I specifically requested that the bank furnish a full payment history for the account, including the exact dates and amounts of all payments, and an explanation of the criteria used to designate a payment as late. 

XXXX XXXXXXXX XXXX responded briefly on XX/XX/year>, acknowledging that my dispute was under investigation. However, the response did not include detailed evidence or a clear explanation of their verification process. No corrective action was taken, and the inaccurate late payment data remains on my file. 

This unresolved negative reporting, which includes an unsupported late payment ( with its associated negative impact on the accounts history ), has since continued to lower my credit score and adversely affect my financial opportunities. I have taken all necessary steps to dispute the error and have provided ample supporting documentation. Yet, the inaccurate information has not been corrected or removed from my credit file. 

I respectfully request that this negative entry be removed immediately and that I receive full, detailed documentation of the payment history along with a clear explanation of the verification process. This will confirm that the information reported about the account is accurate and up to date.

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 2025-05-29 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: SC

Complaint narrative:
I am writing to formally dispute incorrect and inaccurate information on my credit report, provided by your agency. According to 15 USC 1681 ( a ) The Fair Credit Reporting Act ( FCRA ), a federal law designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, provides me with the right to dispute this inaccurate information. 
Upon my recent review of my credit report, which I obtained on XX/XX/year>. I found several inconsistencies and inaccuracies that I would like to bring to your immediate attention. The errors I am disputing include incorrect personal information such as my address. 
Here is the specific inaccurate information I am disputing : Addresses : 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 2025-05-29 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: SC

Complaint narrative:
I am writing to formally dispute incorrect and inaccurate information on my credit report, provided by your agency. According to 15 USC 1681 ( a ) The Fair Credit Reporting Act ( FCRA ), a federal law designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, provides me with the right to dispute this inaccurate information. 
Upon my recent review of my credit report, which I obtained on XX/XX/year>. I found several inconsistencies and inaccuracies that I would like to bring to your immediate attention. The errors I am disputing include incorrect personal information such as my address. 
Here is the specific inaccurate information I am disputing : Addresses : 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 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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
Lease was up XXXX XXXX. I went to the office to remind them my lease was up and the leasing agent said she will let the property manager know so she can send one over via the portal. XX/XX/XXXX still did not receive a lease renewal. I paid my full rent that I was paying the last XXXX months of {$900.00}. Went back to the office they inform me that the property manager is the one I'm waiting on. XXXX still no lease and monthly charges and late fees were added to my account over {$1000.00}. I paid the full {$900.00} for that month. I made numerous attempts of contacting the cooperate office and the Management to see if my lease was going to be renewed or not. Since I was not getting a response, I informed them via phone call and the rental portal that I am moving out at the end of the month. This was XX/XX/year>. This was when a lease was sent over. I told them I already paid a deposit for a new apartment since they didnt send a new lease. The manager said if I dint sign my new lease all the extra charges would remain on the account. I turned my keys in on XXXX XXXX. I asked to do a walk-through of the apartment and was told they will do it on their own. They continue to charge the account for XXXX and XXXX. Property Management name is XXXX XXXX XXXX. Rental apartment name is XXXX XXXX XXXX. They have also sent my account to Hunter Warfield Collection Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Ive had filed multiple disputes with the credit bureaus against Midland credit management regarding a fraudulent account that they purchased from XXXX  XXXX whom I have no credit history or tracking with on any reports whatsoever. Midland credit management is violating the fair credit reporting act by failure to provide original signed contract with the original creditor and a copy of my original photo ID with the original creditor XXXX XXXX XXXX  is a debt collector trying to collect a debt that does not belong to me and is harassing me with phone calls. ive also filed numerous reports with CFPB such as this new report, Im filing now I have requested Midland credit management to provide proof of claim such as a copy of the original signed contract with the company purchased the alleged debt from and a copy of my original photo ID that shouldve been obtained but they keep beating around the bush, having their intern respond back to CFPBand failed to provide such requested documents. Instead, they provide billing statements that I have nothing to do with that our electronic billing statements as well as an electronic signature of a fraudulent account that was opened that does not validate that it is my account so I am requesting that they remove their collection report from all three credit bureaus immediately or legal actions will be taken for harassment phone calls as well as reporting false information to my credit report again Midland credit management has failed to provide me and CFPB validation, such as proof of claim of this contract that was allegedly signed with a company they purchased for pennies on the dollar debt that does not belong to me Midland credit management does not have my original photo ID or original signature nor do they have an original contract instead they have a falsified electronic document therefore again demand for removal or legal actions will be taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
On XXXX XXXX 2025, I mailed a formal debt validation request to XXXX XXXX XXXX  regarding an alleged XXXX XXXX XXXX account they claim is owed and which they continue to report under the name LVNV Funding, LLC. I sent the letter via USPS Certified Mail with Return Receipt, and it was delivered and signed for on XXXX XXXX, 2025.

Under the Fair Debt Collection Practices Act ( FDCPA ), they had 30 days to provide full validation of the debt. Instead of providing proper documentation, they sent a response letter dated XXXX XXXX, 2025, stating my dispute was considered frivolous. This violates my rights, especially since I sent a clear and specific written request and did not receive the required documentation such as a signed contract, chain of custody, or itemized statement.

Then on XXXX XXXX, 2025, I sent a follow-up hardline letter demanding deletion of the account from all credit reports due to their failure to comply within the legal timeframe. That letter was also delivered via certified mail and confirmed received.

As of today, XXXX XXXX, 2025, the account is still being reported to the credit bureaus without legal validation. This continued reporting is a violation of the FDCPA and FCRA, and I am filing this complaint so that enforcement action can be taken and the account can be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My payments have been on time and for some reason they listed me as missing payments on my credit report. I ended up paying the amount that I was unaware of, in which the main website showed that I was up to date. 

After I paid of the amount I owed, they marked it as a charge-off which is totally unfair regarding my situation. I am trying to backdate my SCRA benefits from beginning of XX/XX/year> to beginning of XX/XX/year> and receive the backdated interest/late fees and high lease payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : DEPT OF EDUCATION/NELN # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/NELN # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/NELN # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/NELN # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXXXXXX\n\nI am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft.\n\nBelow are the details of the fraudulent account:\n\t\tLoan Account Number: XXXX\n\t\tLoan Amount: 0\n\t\tDate Opened: (DIFFERENT DATE OPENET IN THE 3 CREDIT VIEW)\n\t\tReporting Institution: XXXX XXXX XXXX\n\nI request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt.\n\nAttached are copies of the following documents to support my claim:\n\t\tA copy of my government-issued ID\n\t\tA police report or FTC Identity Theft Report (if available)\n\t\tA recent utility bill or other proof of residence\n\t\tAny other relevant documentation\n\nPlease confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent.\n\nThank you for your prompt attention to this serious matter.\n\nSincerely,\nJXXXX 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 2025-05-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX transition\n\nSubject: Fraudulent Personal Loan Account Dispute\n\nXXXX XXXX XXXX, XXXX XXXX transition\n\nI am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft.\n\nBelow are the details of the fraudulent account:\n\t\tLoan Account Number: XXXX\n\t\tLoan Amount: 0\n\t\tDate Opened: (DIFFERENT DATE OPENET IN THE 3 CREDIT VIEW)\n\t\tReporting Institution: XXXX XXXX XXXX\n\nI request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt.\n\nAttached are copies of the following documents to support my claim:\n\t\tA copy of my government-issued ID\n\t\tA police report or FTC Identity Theft Report (if available)\n\t\tA recent utility bill or other proof of residence\n\t\tAny other relevant documentation\n\nPlease confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent.\n\nThank you for your prompt attention to this serious matter.\n\nSincerely,\nXXXX 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 2025-05-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 1`XXXX XXXX XXXX XXXX, equifax, XXXX\n\nSubject: Fraudulent Personal Loan Account Dispute\n\nXXXX XXXX XXXX, XXXX, equifax, XXXX\n\nI am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft.\n\nBelow are the details of the fraudulent account:\n\t\tLoan Account Number: XXXX\n\t\tLoan Amount: 0\n\t\tDate Opened: (DIFFERENT DATE OPENET IN THE 3 CREDIT VIEW)\n\t\tReporting Institution: XXXX XXXX XXXX\n\nI request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt.\n\nAttached are copies of the following documents to support my claim:\n\t\tA copy of my government-issued ID\n\t\tA police report or FTC Identity Theft Report (if available)\n\t\tA recent utility bill or other proof of residence\n\t\tAny other relevant documentation\n\nPlease confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent.\n\nThank you for your prompt attention to this serious matter.\n\nSincerely,\XXXX  XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
I submitted a formal dispute to Experian requesting removal of hard inquiries and negative credit reporting related to XXXX XXXX. XXXX XXXX violated our loan agreement by suing me in court rather than resolving the matter through arbitration. This resulted in a judgment and damaging credit tradelines. 

I have filed a formal arbitration case with the XXXX XXXX XXXX XXXX XXXX XXXX, which has accepted jurisdiction and assigned a case number. However, XXXX XXXX has failed to pay the arbitration fee, stalling the process and continuing the harm.

As a direct result of the inquiries and negative reporting from XXXX XXXX, I was denied for vehicle financing and rejected by multiple housing providers. I submitted supporting documentation and a CFPB complaint against XXXX XXXX ( now closed and referred to the FTC ). Despite this, Experian refuses to remove the inaccurate entries or investigate the dispute properly, in violation of the Fair Credit Reporting Act ( FCRA ). 

List of Hard Inquiries Being Disputed ( all linked to XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request immediate removal of these inquiries and related reporting from 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