vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting to formally express my deep frustration and extreme dissatisfaction regarding the repeated inaccuracies on my Equifax, Experian and TransUnion credit report. Despite submitting prior disputes, I have found that several accounts remain inaccurately reported, unresolved, or unverifiable. The continued presence of these errors is entirely unacceptable and has severely affected my creditworthiness, financial reputation, and peace of mind. I demand an immediate and thorough reinvestigation of the following accounts, with proper correction or removal as mandated under FCRA 611 ( 15 U.S.C. 
1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Because of their shady practices this time for the record the payment were set up through my bank. Starting on XX/XX/XXXX and ending on XX/XX/XXXX. The agreed total of {$550.00} was paid. The last payment had Final payment. It was sent back.When I called to ask why. I was told that they can not accept a check with that on it. A few months went by and I hadn't received the letter. I called again about it and was assured it was being sent. I never received it. Now in XX/XX/XXXX I get a dormant judgment of 5 years {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 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: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-12-03 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: PA

Complaint narrative:
As I was going over my report I noticed an account from XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX  days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. 
I will also be aggressively pursuing the full judgment that I can get against for violation of the Fair Credit Reporting Act And collect any WAGES for Every Error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting to formally express my deep frustration and extreme dissatisfaction regarding the repeated inaccuracies on my Equifax, Experian and TransUnion credit report. Despite submitting prior disputes, I have found that several accounts remain inaccurately reported, unresolved, or unverifiable. The continued presence of these errors is entirely unacceptable and has severely affected my creditworthiness, financial reputation, and peace of mind. I demand an immediate and thorough reinvestigation of the following accounts, with proper correction or removal as mandated under FCRA 611 ( 15 U.S.C. 
1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX, XXXX SC XXXX Re : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( s ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. LVNV FUNDING LLC is being reported as the original creditor, which is false. I have never opened an account with LVNV FUNDING LLC and you are not the original creditor for this debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : 1 ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report 2 ) Correction/Deletion : Because LVNV FUNDING LLC is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies XXXX as the original creditor is inaccurate and must be removed. 

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within 30 days of receiving this letter, you must delete the tradeline from all credit reporting agencies. 

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, during a live phone call with Navy Federal Credit Union while I was attempting to pay my active settlement in full, {$1600.00} was removed from my account in real time and applied to a different charged-off account without my authorization and without any notice. 

I did not authorize this transfer. I was current on my settlement and was actively trying to resolve it when the funds were misapplied. I requested that a formal dispute be opened and that the matter be escalated to XXXX and XXXX. This was refused and the call was disconnected. 

After the call, {$400.00} was returned to my savings account without any explanation. My checking account was then closed without any written notice. As of today, {$1100.00} remains unreturned. 

The funds that were taken originated from my primary external bank, not from Navy Federal payroll deposits. 

I am requesting : XXXX. Immediate return of the remaining {$1100.00} XXXX. Written legal justification for the original {$1600.00} setoff XXXX. Written explanation for the partial refund only XXXX. Written notice and justification for the checking account closure XXXX. Confirmation of all contract clauses and policies relied upon This involved an unauthorized misapplication of funds during a live transaction, refusal to open a formal dispute, partial unexplained refund, and account closure without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX CFPB Filing Date : XX/XX/year> Submitted by : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX SECTION XXXX AMEX PERSONAL CREDIT CARD COMPLAINT I am filing this complaint because American Express illegally denied my identitytheft fraud claims, refused to refund unauthorized charges, and furnished fraudulent negative information to the credit bureaus. I provided AMEX with federal-level documentation proving that my personal identifying information ( name, address, XXXX, XXXX, phone, email ) was stolen in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Criminals had all the information required to impersonate me. 
Despite this, AMEX : Denied my fraud claims without providing any evidence. 
Provided no IP logs, device IDs, call recordings, or authorization records. 
Refused to refund unauthorized charges in violation of FCBA and FCRA 611. 
Reported fraudulent negative information to XXXX XXXX XXXX XXXX, violating FCRA 605B and 623 ( a ) ( 6 ). 
AMEXs actions damaged my credit profile, restricted my accounts, and violated my federal identitytheft protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: T.S. Holdings
State: MD

Complaint narrative:
I am not disputing this account. I am requesting clarification because the information being reported does not match the data in my file. The original balance is listed as {$3500.00}, but the collection balance is shown as {$3800.00} and increases every month without any documentation explaining the added amounts. The balance history shows monthly increases throughout XXXX even though there are no payments and no itemized charges. The account was reported as a collection as of XX/XX/XXXX, the same month it shows the account opened, without any delinquency timeline or explanation of how it became a collection immediately. There is no breakdown of fees, no itemized charges from the original creditor XXXX XXXX XXXX MD, and no explanation of how the balance was calculated. I am asking for the complete itemized accounting, the original charges, the move-out ledger, and an explanation of how the balance increased each month. Please provide clarification or update the account based on verified information.I have previously requested a chain of custody, but haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: MS

Complaint narrative:
I am begging for help! I am a victim of the XXXX Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the XXXX XXXX I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake XXXX  made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within XXXX Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint of the information below : XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX BALANCE- {$980.00} XXXX. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX BALANCE- {$25000.00}

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 2025-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My federal student loans were XXXX through XXXX XXXX to XXXX because the Department of Education determined my school misled students. My private student loans were originated for the same enrollment period and through the same school misrepresentation. I am requesting investigation and relief because this private loan would not exist if accurate information had been provided by the school. Please require the lender/servicer to validate the loan or cease collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am submitting this follow-up complaint to dispute multiple inaccuracies on my credit reports concerning late payment notations on both open and closed accounts. Upon review of my financial records, it is clear that several entries do not align with verified payment histories. These inaccuracies misrepresent my financial responsibility and negatively affect my creditworthiness. The first account, XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$0.00} and last payment on XX/XX/XXXX, is inaccurately reported as late. According to my records and creditor confirmations, all scheduled payments were made in full and on time. No notices of missed or delayed payments were ever received. Reporting this account as late violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain procedures ensuring maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know, or should reasonably know, is inaccurate. Under FCRA 611 ( a ) ( 5 ) ( A ), any unverifiable data must be corrected. I request that this account be updated to accurately reflect its timely payment history. The second account, XXXX XXXX  XXXX, opened on XX/XX/XXXX with a reported balance of {$790.00} and last reported on XX/XX/XXXX, also contains inaccurate late payment notations. My transaction history, bank statements, and payment confirmations demonstrate that all payments were made in full and on schedule. Misreporting this account violates FCRA 623 ( a ) ( 2 ), which requires furnishers to investigate and correct inaccurate information, as well as FCRA 607 ( e ), granting consumers the right to dispute inaccuracies and receive timely resolution. I am requesting that this account be fully reinvestigated and corrected to reflect the accurate payment history. The third account, XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a reported balance of {$0.00} and last payment on XX/XX/XXXX, shows a XXXX late payment. I have never received any notification of delinquency, and my verified records confirm timely payments. This account is inaccurately reported as delinquent, violating FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 5 ), which require furnishers to report accurate dates of last activity and allow consumers to request reinvestigation. Furthermore, my closed XXXX XXXX account continues to be linked to ongoing activity, which is misleading and may negatively impact credit evaluations. Under FCRA 611 ( a ) ( 2 ) and 623 ( a ) ( 2 ), any unverifiable or confirmed inaccurate information must be promptly corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX  days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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