vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting to formally dispute the accuracy and completeness of several accounts currently reported on my credit file. This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically Sections 602, 611, and 623, which establish the rights of consumers to fair and accurate credit reporting and require credit reporting agencies and data furnishers to reinvestigate and correct disputed information. I am exercising my rights under these provisions and respectfully request that conduct a thorough and complete reinvestigation into the items listed below, which I believe XXXX have been inaccurately reported, are incomplete, outdated, or otherwise unverifiable. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am submitting to formally dispute several items on my credit report that contain inaccurate, outdated, and unverifiable information. These discrepancies have severely impacted my credit score, and I believe they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). As I was reviewing my credit report, I was alarmed to find a series of entries that dont reflect the actual status of my accounts. These entries include both obsolete information and accounts that no longer reflect my current financial status. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am submitting to formally dispute several items on my credit report that contain inaccurate, outdated, and unverifiable information. These discrepancies have severely impacted my credit score, and I believe they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). As I was reviewing my credit report, I was alarmed to find a series of entries that dont reflect the actual status of my accounts. These entries include both obsolete information and accounts that no longer reflect my current financial status. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Dispute Statement : Please remove all fraudulent inquiries from my credit report. Additionally, my mortgage account has never been late. Please update the payment history to reflect an accurate on-time status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am sending to dispute inaccurate information regarding the XXXX XXXX account ( Account Number : XXXX ) on my credit report. Upon reviewing my credit file, I have found several discrepancies related to the reporting of this account, specifically the late payment entries, which appear to be incorrect and damaging to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to dispute inaccurate information regarding the XXXX XXXX account ( Account Number : XXXX ) on my credit report. Upon reviewing my credit file, I have found several discrepancies related to the reporting of this account, specifically the late payment entries, which appear to be incorrect and damaging to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting to formally dispute inaccurate late payment account reported on my credit file. I recently reviewed my credit report, only to find several discrepancies regarding my XXXX XXXX XXXX account that I believe are both incorrect and unfairly damaging to my credit profile. 
The account in question is listed as XXXX XXXX XXXX ( Account XXXX. XXXX ) with a balance of {$640000.00}. The account was opened on XX/XX/XXXX, and the last payment date is recorded as XX/XX/XXXX. Upon reviewing the payment history, I noticed multiple late payment entries that do not accurately reflect my payment behaviour. Under FCRA XXXX ( 15 U.S.C XXXX ), I am entitled to dispute any inaccuracies in my credit report. FCRA XXXX ( a ) ( XXXX ) places a duty on furnishers to correct and update any information they provide that is inaccurate or incomplete, and FCRA XXXX ( b ) further requires that they conduct a reasonable investigation into any disputes filed. Moreover, FCRA XXXX emphasizes that the accuracy of credit reports is fundamental to ensuring fairness and transparency in the credit system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
Repeated text message from the beginning of XXXX to Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
On or around XX/XX/year> I reach to Experian about fraudulent account ( XXXX CARD Acct # XXXX ) and they removed the fraudulent account ( XXXX CARD Acct # XXXX ) from my credit report, then later wrongly and negligently reinserted this fraudulent ( XXXX CARD Acct # XXXX ) account into my credit profile after being provided with proof of identity theft via FTC Identity Theft Affidavit and Police Report causing me further financial harm and distress. I have now enclosed a notarized Experian Dispute and notarized FTC Identity Theft Affidavit and the same police report, my XXXX Passport front and back, a bank statement and car registration showing proof of address and CFPB complaint to XXXX as proof of notice to debtor. All as further and certain proof that I am XXXX XXXX and a victim of fraud and IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CL Holdings LLC
State: TX

Complaint narrative:
I AM FILLING THIS COMPLAINT BECAUSE MY IDENTITY WAS USED WITHOUT MY PERMISSION TO OPEN THIS ACCOUNT WITH RELIANT ENERGY RETAIL SERVICE.I LEARNED THAT XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A BALANCE OF XXXX FOR THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I have a one main financial BrightWay credit card. I need to update my phone number but they refuse to do that. They provided me an incorrect email to send not only my license but also a utility bill to and its not a valid email. So who knows where my information wound up. Then they dont take complaints. The bigger issue, as they refuse to update my phone number I didnt get an alert that my bill was due. That isnt acceptable. They need to update my phone number. The fact they refuse to isnt okay. Thats not my phone number anymore!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am the Trustee of XXXX XXXX XXXX and the trust XXXX XXXX XXXX XXXX accepts all charges, providing a XXXX so I can obtain the credit bureaus XXXX number so I can notify the IRS to do an audit of the accounts that are negatively impacting the credit report of XXXX XXXX XXXX. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY. Per the XXXX XXXX XXXX there are several violations securities fraud that I will report to the Federal Trade Commission FCRA 15 U.S. C 1681s-2 ( a ) ( 1 ) ( - ) 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 18 U.S.C. 8. Means that anyone attempting to collect a debt from you is guilty of The False Claims Act ( FCA ), 31 U.S.C. 3729. Charged off accounts 15 US code 1601 inaccurate information being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 


XXXXXXXX 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 2025-11-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint because there are multiple unauthorized and inaccurate accounts listed on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A, 609, 611 [ 15 U.S. Code 1681i ], and 1681c-2.

These accounts were either opened or reported without my direct consent, verifiable authorization, or original documentation, which I have already requested from the bureaus. The items remain unresolved despite my formal dispute and identity theft affidavit submission ( including FTC Identity Theft Affidavit and documentation ). 

The disputed accounts include : LVNV FUNDING ( XXXX XXXX XXXX ) {$9000.00} LVNV FUNDING ( Unknown Origin ) {$530.00} XXXX XXXX XXXX XXXX Creditor Unknown ) {$660.00} XXXX XXXX {$1200.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$8300.00} Under 1681c-2, I am requesting these accounts be blocked and removed permanently due to identity theft and a lack of permissible purpose or consent. I have provided all necessary documents, and I am requesting that the CFPB intervene to ensure the credit bureau fulfills its legal obligation to remove these accounts promptly and in full. 

This situation is severely impacting my ability to obtain housing and basic financial services. I respectfully request immediate escalation and deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
To Whom It May Concern, this is a formal complaint against the inaccurate and unauthorized reporting of certain items on my credit profile which have caused significant damage to my creditworthiness and violated multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate investigation, deletion, and written confirmation of the results in compliance with the law. The following items are being disputed. 

XXXX XXXX XXXXXXXX XX/XX/year> This inquiry was not authorized by me, nor was any credit application submitted to warrant them. According to FCRA 604 ( A ) ( 3 ), a consumer reporting agency may only furnish a consumer report with permissible purpose and consumer consent. This inquiry was done without my knowledge or approval and constitute an invasion of privacy and a willful violation under FCRA 616 and 617. Remove this unauthorized inquiry immediately, as they negatively impact my creditworthiness and violate my rights under federal law.

These inaccurate items have collectively caused severe harm to my credit profile, impacting my ability to obtain fair credit opportunities, loans, and housing. Under FCRA 611 ( a ) ( 5 ), the agencies must delete or correct any item found to be inaccurate or unverifiable. I am demanding immediate investigation and removal of the above-listed accounts and inquiries from my report. Continued noncompliance will compel me to pursue further legal and regulatory actions to protect my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TD AUTO FINANCEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. TD AUTO FINANCE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

TD AUTO FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I took out a personal loan ( {$11000.00} ) right before Covid. I lost my job for a fews months and had to defer all my credit cards and debts so I could pay my rent. XXXX XXXX refused to allow me to defer my personal loan. So I had to stop paying it, so I could pay for food and rent. They destroyed my credit and then sent the debt to Resurgent debt collector. I paid off the XX/XX/year> debt in the amount of {$5200.00}, with XXXX payments, but it was never taken off my credit report. 
XXXX XXXX also garnished {$3000.00} in wages from me. 
I called the bank, I called the debt collector, I called XXXX.. no one will help me. I've paid off all the debts and my credit is still terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint because Midland Credit Management , Inc. has failed to properly validate an alleged debt and continues to operate in violation of federal and state law. My previous complaint with the CFPB ( Case # XXXX ) was mistakenly marked as a duplicate ; however, this is a follow-up complaint, as the companys response remains incomplete and noncompliant. 

On XX/XX/year>, Midland Credit Management responded to my written debt validation request by sending me copies of old XXXX XXXX billing statements. This does not constitute proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

I specifically requested that Midland Credit provide : A copy of the original signed agreement ( wet-ink signature ) evidencing I entered into any contract with either XXXX  XXXX or Midland Credit ; A complete chain of title showing lawful transfer of ownership from XXXX  XXXX, XXXX. to Midland Credit Management ; Proof that Midland Credit is licensed and authorized to collect debts in the State of California, pursuant to Cal. Civ. Code 1788.52 ( a ) ( 2 ) ; A detailed itemization of the alleged balance showing how the total was calculated ; and Documentation establishing a permissible purpose to collect or furnish my information under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

None of this documentation was provided. Instead, Midland Credit merely directed me to visit their website to review additional documentation, which is not a lawful method of providing debt validation. I never consented to electronic communications and explicitly requested written documentation by mail.

This conduct violates multiple sections of the FDCPA, including : 1692g ( b ) failure to provide proper validation after written request, 1692e use of false, deceptive, or misleading representations, and 1692f unfair or unconscionable means to collect a debt.

It also violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing information to consumer reporting agencies without ensuring maximum possible accuracy or a permissible purpose.

Because the Federal Trade Commission is currently closed due to the federal government shutdown, I will be escalating this matter to the California Attorney Generals Office for investigation and enforcement if Midland Credit does not fully comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX and Leafy Financial LLC are each reporting collection accounts that were opened after a known data-breach period and that I did not authorize. No contract or billing history has been provided to verify ownership.

Company response to consumer: Closed with explanation