vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-07 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: DE

Complaint narrative:
Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Account Number XXXX Creditor : XXXX XXXX XXXX  XXXX N.A.Current Owner : LVNV Funding LLC XXXX Number : XXXX Dear Resurgent Capital Services, I am responding to your communication dated XX/XX/year>, regarding the above-referenced account. As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and Delaware consumer protection laws ( Delaware XXXX XXXX XXXX, Chapter XXXX ), I vigorously dispute the validity and accuracy of this account. 

Your documentation fails to sufficiently verify that I authorized or incurred the charges in question. Specifically : Identity Theft : This account is a direct result of identity theft. As stipulated by FCRA XXXX, I have included a formal Identity Theft Report filed with the Federal Trade Commission and relevant law enforcement agencies. Thus, this account is unauthorized and must be removed from my credit file immediately. 

Insufficient Verification ( FDCPA XXXX ) : The documents provided by Resurgent Capital Services do not represent valid, original consumer agreements bearing my genuine signature or explicit consent. The provided billing statements fail to conclusively link these charges to my authorized use or consent. 

Unauthorized Reporting ( FCRA XXXX ( a ) ) : LVNV Funding LLC, through Resurgent Capital Services, is reporting inaccurate and unverifiable data to credit reporting agencies, violating federal regulations under the FCRA. These inaccuracies damage my credit standing and constitute actionable breaches. 

Violation of Delaware Law : According to Delaware consumer protection statutes, specifically Delaware XXXX Title XXXX, Chapter XXXX XXXX, the continuation of collection activities and negative credit reporting based on a disputed and fraudulent debt is illegal and constitutes unfair trade practices. 

I demand : Immediate cessation of all collection and reporting activities related to this account.

Immediate removal of the aforementioned negative item from all credit reporting agencies. 

Written confirmation within XXXX  days of receipt of this letter confirming that these corrective actions have been implemented. 

Failure to comply with these demands will compel me to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Further, I reserve the right to seek judicial remedies, including statutory damages, attorney fees, and court costs, as permitted under federal and Delaware law. 

Your prompt and complete compliance is expected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WY

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX in XXXX Colorado and had to move because I went into XXXX because I was XXXX XXXX XXXX XXXX XXXX XXXX  and had XXXXXXXX XXXX XXXX XXXX XXXX.the government paid XXXX in advance because of COVID rental assistance.mybrentvwas all paid up and owed no money to XXXXXXXX XXXX XXXXXXXX and I look at my credit report from XXXX XXXX XXXX  and they sold my information to IQ data XXXX without my written permission which is considered identity theft. The following account was removed from equifax in XXXXXXXX XXXX XXXX  but XXXX and XXXX keep verifying the debt without doing a proper investigation.acount name XXXXXXXX XXXX XXXX/ sold to IQ data XXXXXXXX  account # IQXXXX balance of {$5500.00} with term of 1 month.the balance keeps increasing every month now the balance is {$6700.00} and the account is in collection/charge off status please delete this account from XXXX  and XXXXXXXX it is keeping me from being able to rent an apartment.i do not owe this amount or this creditor any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-07 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: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of he addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I received a copy of my credit report and find the following closed account unfamiliar. i have explained the discrepancies oof the closed account XXXXXXXX XXXX XXXX to my records the information you are reporting on this account is unrecognizable.I would like that this be remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I need credit for a vehicle and to provide for me and my family. I can't get back and forth to work. My credit reports are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

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 2025-06-07 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-06-07 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed this inquiry was on my credit. I did not have any knowledge of this application. The consumer reporting agencies were asked to report accurate and valid information without error. This inquiry is not valid! I am now asking you to investigate and provide verifiable proof showing that I applied for that XXXX XXXX XXXX If this information can't be verified, I demand this inquiry get deleted. Thank you for your understanding and prompt action.

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 2025-06-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed this inquiry was on my credit. I did not have any knowledge of this application. The consumer reporting agencies were asked to report accurate and valid information without error. This inquiry is not valid! I am now asking you to investigate and provide verifiable proof showing that I applied for that XXXX XXXX XXXX If this information can't be verified, I demand this inquiry get deleted. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$180000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-06-07 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: GA

Complaint narrative:
Equifax and Experian are showing deliquent for different dates, of which XXXX XXXX company states : After a thorough review of the account, our Credit Reporting Department has removed delinquencies for the XX/XX/year> and XX/XX/year> reporting as the borrower was approved for a forbearance plan during that time and they were reported delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance. ALso both Equifax and Experian have contradicting dates of which BOTH are wrong. 

I am submitting this complaint because Equifax is furnishing inaccurate information that negatively impacts my creditworthiness. It is essential that both parties act in good faith. I have upheld my responsibilities and expect Equifax to do the same. To ensure compliance with consumer laws, I must emphasize that Equifax is causing direct harm and violating federal regulations.

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 2025-06-07 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CA

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 2025-06-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally dispute two accounts that have been fraudulently reported on my credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate removal of the following accounts from all consumer reporting agencies : Bank of America Account ending in : XXXX XXXX XXXX XXXX  Account ending in : XXXX These accounts were opened or used without my knowledge or authorization. They are the result of identity theft and have caused significant damage to my credit profile. I have already placed fraud alerts with the credit bureaus, as reflected on my report. 

Per FCRA 605B, I am requesting that these items be blocked from my credit reports with XXXX XXXX and XXXX. These accounts are inaccurate and do not belong to me.

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