vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX inaction violates federal law and my rights as a consumer.

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 2025-06-30 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: GA

Complaint narrative:
I am disputing an account reported by Consumer Collection Management for The XXXX Apartments in XXXX, GA, which is inaccurately being reported on my credit reports with a balance of {$9400.00}. 

I submitted formal disputes with both Equifax and Experian, including documentation from my lease agreement and court records, which show the correct amount owed was {$3600.00}. The lease clearly states no early termination fee, and the charges being claimed are not supported. 

Despite providing evidence, both credit bureaus marked the account as verified without explaining how it was verified or providing any documentation to support their conclusion. 

I then submitted a request under FCRA 15 USC 1681i, asking for : The method of verification used; The name and contact information of the furnisher ( Consumer Collection Management or The XXXX ) ; And proof of investigation or records used to verify the information. 
Neither bureau has responded with the required details. This lack of transparency and continued reporting of an inaccurate balance is harming my credit and violates my rights under federal law. 

I am requesting that this account be fully investigated, and unless documentation can prove the balance of {$9400.00}, it should be corrected or removed 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 2025-06-30 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: MD

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my life and my credit health.

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 2025-06-30 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
I am writing to formally dispute the collection account, reported by Williams and Fudge for the amount of {$1200.00}. This debt is being repeatedly reported and deleted from my credit report without the necessary proof of identification or validation of the debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt, and it is the responsibility of the creditor to prove that the debt belongs to me and that the collection is valid. Despite repeated attempts by the collection agency to report and delete the account, they have failed to provide adequate documentation to substantiate their claim. 

Under the Fair Credit Reporting Act ( FCRA ), I am also requesting that the credit bureau investigates the accuracy of the information reported. I ask that you provide evidence to support the collection agencys claim and that the account is mine, including : Proof of the original creditor and the amount owed. 

A copy of the signed agreement or contract establishing my responsibility for this debt. 

Any correspondence from the creditor or collection agency confirming the debt or showing proof of the alleged debt. 

In accordance with Section 809 of the FDCPA, I am requesting that you provide documentation to verify the debt within 30 days from the date of this letter. If this information is not provided within this time frame, the account should be marked as disputed, and any future reporting of this debt should be stopped. Under Section 1681i of the FCRA, I have the right to challenge the accuracy of information on my credit report, and failure to prove the debts validity should result in its removal.

Please consider this letter a formal request to investigate the account and provide proper validation or remove the collection from my credit report. I expect a written response within the legal time frame. If the requested validation is not provided, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NCB Management Services Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding NCB Management Services reporting a debt on my XXXX  credit report. I have never conducted any business with this company, never received a bill, nor provided consent for them to collect on or report any debt in my name. This appears to be a third-party debt buyer claiming ownership of an alleged debt without providing legal validation.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( b ), they are required to fully investigate and verify the accuracy and ownership of any information they report. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), if a consumer disputes a debt in writing, the collector must cease collection and provide proper verification.

NCB Management Services has failed to provide the original contract, account-level detail, or proof of assignment. I never consented to any relationship with them. Their reporting is unverifiable, inaccurate, and potentially fraudulent. I demand this account be permanently deleted from my XXXX  credit report immediately. 

Please investigate and take enforcement action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I went in a jewelry store in XXXX XXXX to buy my fianc a birthday present on XX/XX/year>. I bought a necklace and bracelet. I spent {$550.00}. That same day they fell apart. I went in the next day to get a refund and they said store credit only. So I got XXXX bracelets and then the same day they broke. After some research, we discovered these bracelets were not {$550.00}. Theyre, at most, between $ XXXX {$50.00}. The company had failed to deliver services. I contacted my credit company on XX/XX/year> to let them know that Ive basically been scammed. They asked for proof so I provided some photos and the receipt via fax. They wanted me to discuss this with the vendor and I had to explain that I did and that theyre in XXXX XXXX They provided me a case number but I didnt receive any email confirmation or any notification that the charge was in dispute.

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 2025-06-30 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: GA

Complaint narrative:
I am disputing an account reported by Consumer Collection Management for The XXXX Apartments in XXXX, GA, which is inaccurately being reported on my credit reports with a balance of {$9400.00}. 

I submitted formal disputes with both Equifax and Experian, including documentation from my lease agreement and court records, which show the correct amount owed was {$3600.00}. The lease clearly states no early termination fee, and the charges being claimed are not supported. 

Despite providing evidence, both credit bureaus marked the account as verified without explaining how it was verified or providing any documentation to support their conclusion. 

I then submitted a request under FCRA 15 USC 1681i, asking for : The method of verification used; The name and contact information of the furnisher ( Consumer Collection Management or The XXXX ) ; And proof of investigation or records used to verify the information. 
Neither bureau has responded with the required details. This lack of transparency and continued reporting of an inaccurate balance is harming my credit and violates my rights under federal law. 

I am requesting that this account be fully investigated, and unless documentation can prove the balance of {$9400.00}, it should be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Experian allowed a hacker to clearly make an account on the site with my social using their clearly auto generated emails ( all numbers in the email address ) and their phone number. They wont allow me to correct this info meaning the hacker can log into to get my information and unfreeze my credit freezes. Experian wont respond even after the CFPB got involved. That organization is so bad how can this go on?

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 2025-06-30 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: CA

Complaint narrative:
I had a paypal credit account for {$2000.00}. I would use it and pay it as needed. Then I had a bad experience with XXXX  bank/paypal and stopped using XXXX. I order XXXX sets of car seat covers for our my vehicles. XXXX arrived and did not fit. I did the logical thing and tried it on the other vehicle just in case it was not labeled correctly. It did not fit that one either. 

When I called XXXX bank they did nothing. I wanted them to help facilitate the return of the return of the item and help me get me refund since the vendor was not responding after I told them about the issue. I never received the second item and was only given a partial refund for the item I never received and was stuck with the other item that was clearly not made correctly. 

After that I stopped using XXXX  and I canceled the account. However, somehow and account for {$100.00} was opened on my XXXX  account and charged. Since I did not know of the account or use it, I did not check it. I realized the fraud when it appeared on my credit report and severely affected my credit score! 

I called XXXX XXXX XXXX report the fraud. They told me they would remove it from my credit reports with the agencies and close the account. The account was opened again and put on my credit report again,. It detrimentally affected my credit score agai. All this with no correspondence with me from their fraud department after I filled the form and sent it in. 

I called again filed the fraud report again. They said they would remove it from my credit and close the account again. I filled their forms again. The did not respond. It is on my credit report for the third time! 

I am in the middle of trying to get business funding, this negative and false report is affecting my ability to secure funding and save my business which save my ability to provide for my family. I need help resolving this once and for all. I am frustrated and depressed dealing with this fir a third time. I have already called the company. However, I can not wait weeks for it to be removed only to have them open another account and transfer the balance which is {$49.00}. I would pay if I made the purchase, or if someone in my household made the purchase. But we did not! 

Please help me. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PR

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I recently discovered that someone has used my personal information without my permission to open fraudulent accounts make unauthorized charges commit other acts Remove this account I take this matter very seriously and appreciate your immediate attention.i was identity theft victim Please contact me by email or regular mail with any questions or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
Upon discovery looking at my Experian credit report, I see that Experian is reporting materially misleading information on several accounts, violating 15 USC 1861eb. XXXX ( account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is in violation of not reporting inaccurate information. The account opened date XX/XX/XXXX, lacks critical payment and account history data ( months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This is reflected on all XXXX accounts on the credit report. Rending reporting inaccurate and incomplete. My Social Security XXXX and personal information, which I brought to you in litigation XXXX, is still incorrect. The social security number is a unique identifying number. Attached is a highlight credit report the missing information materially negative impact my credit score is hurting my credit worthiness and relationship with creditors. 1861i I demand a reasonable investigation to verify and correct the data on my account.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am filing this formal complaint against both LVNV Funding LLC and XXXX  XXXX XXXX XXXX for continuing to report a collection account that is inaccurate, unverifiable, and illegal under federal law. Despite multiple disputes, the account remains with no supporting documentation, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account in Question : XXXX : LVNV Funding LLC Account Number : XXXX Balance : {$870.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Bureaus Involved : Equifax and Experian Remarks : Account information disputed by consumer under the FCRA Legal Violations : 15 U.S.C. 1681i ( FCRA ) Equifax failed to perform a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Inaccurate information is being maintained and shared without proper verification.

15 U.S.C. 1681b ( a ) ( 2 ) No proof of permissible purpose to furnish this data was provided.

15 U.S.C. 1681a ( w ) Account data misrepresents the debt and violates full file reporting obligations.

15 U.S.C. 1681n & 1681o Equifax is liable for negligent and willful noncompliance.

15 U.S.C. 1692g ( b ) ( FDCPA ) LVNV failed to validate the debt after repeated requests. 

XXXX XXXX XXXX The reporting is not compliant with the XXXX XXXX format, including missing or mismatched consumer information indicators, account ownership flags, and date of first delinquency. 

Despite XXXX formal disputes and a request for validation, no original contract, chain of title, or legally sufficient proof of debt ownership or reporting rights has ever been produced. Equifax simply stated the account was verified and made superficial updates, which is not sufficient under 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief