vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XXXX XXXX, 2025, XXXX  permanently deleted this account because LVNV Funding and Resurgent Capital failed to verify the debt during their investigation. 

This deletion clearly shows they could not legally validate ownership or accuracy of the account. 

Despite this, on XX/XX/scrub> 2025, XXXX and Resurgent knowingly re-reported this same account to XXXX and XXXX, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( XXXX ). 

Their actions have caused me severe harm, including : Credit denials for housing and loans Increased interest rates Emotional XXXX  and mental suffering Loss of financial opportunities I have disputed this account multiple times and previously filed a CFPB complaint, yet LVNV/Resurgent continue their illegal reporting and harassment. 

I am now preparing to file binding arbitration through the XXXX XXXX XXXX ( XXXX ), and I am fully prepared to take this matter to trial if necessary. 

I am demanding : 1. Immediate and permanent deletion of this account from all three credit bureaus ( XXXX, XXXX, and XXXX  ). 


2. A financial settlement to compensate me for the years of financial and emotional harm caused by their willful misconduct. 



If LVNV/Resurgent fail to resolve this immediately, I will proceed with arbitration and escalate this case to the Michigan Attorney General, South Carolina Attorney General, and federal regulators. I am done being ignored they have had every chance to fix this legally and have refused at every step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
I am the victim of identity theft. My credit report reflects these three accounts that I never opened or authorized. Despite my dispute and submission of an FTC Identity Theft Report, these accounts remain. This violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards, which require that only accurate and consumer-authorized information be reported. 

These unauthorized accounts are damaging my credit and causing undue hardship. I have notified all three credit bureaus and the creditors in writing, providing an FTC Identity Theft Report and proof of my identity. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XXXX  locked and closed my account with {$480.00} on it and wont let me get my funds I need my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding a delinquent/charged-off account being reported by Wells Fargo Bank , N.A . ( Account ending in XXXX ) to the credit bureaus. The account reflects a balance of {$3000.00} and a charge-off status, but I have not received any supporting documentation such as a signed agreement, original application, or detailed payment history. I previously disputed this account and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611, but no proper verification was provided. This account was opened during a time of major data breaches and investigations into Wells Fargos practices involving unauthorized accounts, which raises further concerns about the legitimacy of the reporting. I am requesting that Wells Fargo provide full documentation validating this debt or remove the account entirely if it can not be verified. A fair resolution would be either verified proof of the account or its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 object to the presence of accounts that I did not authorize. Kindly conduct a meticulous audit and remove these items. Supporting records are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I did not authorize any of these accounts onto my TransUnion credit report! 
1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for reporting a debt to the credit bureaus without any prior written notice, communication, or documentation. I have never received any information from LVNV Funding regarding this alleged debt, and I do not recognize it. 

This reporting violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have requested validation of the debt, including a signed contract, full accounting, and proof of assignment, but have received nothing. 

LVNV Funding has damaged my credit and reputation by reporting unverifiable and unauthorized information. I am requesting a full investigation and removal of this tradeline unless proper documentation is provided. 

I have attached supporting documents and request that the CFPB hold LVNV Funding accountable for unlawful reporting and failure to validate. 

They also put a hard inquiry on my credit report as well! I want that off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I am filing this complaint regarding my mortgage loan with Mr. Cooper ( Loan # XXXX ). 

On XX/XX/scrub>, 2025, I submitted a complete Escrow Removal Exception Request Packet to Mr. Cooper. My cover letter explicitly requested that this packet be forwarded to XXXX XXXX, the investor, for review and consideration of a one-time exception under Servicing Guide Section 8201.1 ( b ). I did not request that Mr. Cooper, as the servicer, remove the escrow account themselves.

Despite this, Mr. Cooper has repeatedly responded with form letters denying a standard escrow removal request based on my XXXX calculation against the original appraised value. These responses are non-responsive to my actual request. 

To ensure compliance, on XX/XX/year>2025, I sent a formal Request for Information under RESPA ( 12 U.S.C. 2605 ( e ) ) by certified mail, asking Mr. Cooper to confirm whether my Exception Packet had been forwarded to XXXX XXXX. 

On XX/XX/scrub> 2025, Mr. Cooper issued another denial letter, again addressing only standard escrow removal policy. Their response failed to answer my Request for Information and instead treated it as a Notice of Error. They continue to state that my XXXX is too high based on the original appraisal, but they have not answered my direct question : Was my Exception Packet forwarded to XXXX XXXX for investor review? 

This is a RESPA violation. A servicer is required to provide a substantive response to a Request for Information within 30 business days. Instead, Mr. Cooper has avoided my request entirely and continues to provide irrelevant, boilerplate denials.

I am requesting that the CFPB require Mr. Cooper to : 1. Directly confirm whether my Exception Packet was forwarded to XXXX XXXX. 
2. If it was not forwarded, explain why it was withheld from investor review.

3. Ensure that Mr. Cooper complies with its obligations under RESPA to provide complete responses to borrower Requests for Information. 

Attached are : My XX/XX/year>2025 request email and cover letter. 
Mr. Coopers XX/XX/year>2025 denial letter. 
My XX/XX/scrub> 2025 RESPA Request for Information. 
Mr. Coopers XX/XX/scrub>, 2025 response, which failed to address my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/year> I discovered unauthorized hard inquiries on my Experian credit report from XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry.

I have attempted to resolve this directly with Experian by : 1. Submitting an online dispute via their portal which is not a option at this time, 2. Sending a written dispute by certified mail.

Experian refused to remove the inquiry, and it remains on my credit report, negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: VA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a complaint regarding the TransUnion data breach publicly reported on XX/XX/year>, in which the sensitive personal information of over XXXX XXXX individualsincluding myselfwas exposed. This breach represents a failure to maintain reasonable procedures and security required by the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681b and 1681e, which safeguard consumer privacy and accuracy.

As a result of this breach, I am extremely concerned about the continued presence of negative items on my TransUnion credit report. The FCRA grants me the right to dispute inaccurate, unverified, or outdated information on my credit report. The breach has compromised the integrity and reliability of TransUnions reporting, and I can no longer trust that negative items are accurate or lawfully maintained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding two Comenity Bank accounts that are being inaccurately reported on my credit file. Despite the accounts showing a {$0.00} balance, Comenity continues to report charge-off statuses and delinquencies. This violates Fair Credit Reporting Act ( FCRA ) 611 and 623, and fails to align with XXXX XXXX credit reporting standards. 

Accounts in question : COMENITYXXXX  Acct XXXX : XXXX Status : Charged-Off, Balance : {$0.00} Concern : The account continues to report derogatory history despite being closed with a {$0.00} balance. Closure/status codes required under XXXX XXXX are missing. 

COMENITYCAPITAL/XXXX  Acct # : XXXX Concern : The account appears inaccurate or incomplete. It may have been impacted during a known Comenity data breach, and is not reported by the other two credit bureaus, raising concern over inconsistent data furnishing.

Key Issues : Charge-off reporting with {$0.00} balance and no proper resolution or closure codes ( e.g., Status Code 62 per XXXX XXXX XXXX. 

Continued derogatory payment history even after account closure. 

No consumer dispute indicator applied. 

Potential data accuracy issues due to Comenitys known system/data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: KY

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: KY

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
The entry in question is not consistent with my established payment record and appears inaccurate. I request a thorough review and its removal.

Company response to consumer: Closed with non-monetary relief