vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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: AL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-08 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In early XX/XX/year>, a debt collection XXXX XXXX XXXX XXXX, acting on behalf of LVNV Funding LLCbegan contacting my mother by text message about a debt that is solely in my name. They sent her multiple messages containing details of the outstanding balance, payment terms, and a link to pay the debt. My mother is not listed on the account, is not an authorized party, and has no responsibility for this debt.

In the messages, they stated that the debt would be removed from my credit report if paid in full, and included a direct payment link. My mother responded clearly in writing that she was not me and should not be receiving this information. Despite this, they continued to send additional messages. 

By sharing specific information about my debt with a third party without my consent, LVNV Funding LLC and XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from disclosing debt information to anyone other than the debtor. I have attached screenshots of these text messages, including my mothers response confirming that she is not the intended recipient. 

This has caused distress and confusion for my mother and constitutes an unacceptable breach of my privacy rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 filed complaints with Experian, Equifax, and TransUnion over false information that was reported on my credit report. I informed the accounts of the infractions they were committing against my consumer report. They have not responded for more than XXXX  days. Copies of every letter that was sent are included. 

FCRA XXXX ( a ) b ) has been broken by this business since it neglected to record this disputed account as disputed. 


If the period has also been broken, XXXX ( c ) is running as the final activity on this account is reported. When the most recent payment date should appear. 

In addition to violating FDCPA XXXX, this corporation has consistently neglected to authenticate this collection account, according to the Fed 's decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-08 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
On XX/XX/year>, I and my significant other applied to XXXX XXXXXXXX XXXX in XXXX and before the application was considered I changed my mind about the application and disputed the charges with my bank. The application fee was {$40.00} each. I explained this to the XXXX XXXX and they understood. Now I am getting a collection agency saying I owe XXXX dollars. They are attempting to collect that amount which is wrong. I want this take out of my report as It is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
XXXX is showing collection- Ive never used this company Ive always been an XXXX  XXXX as my utility company is XXXX- XXXX remove XXXX was paid XXXX XXXX by me as agreed its showing XXXX different statuses incorrect Ccbanking says sold purchased by another lender closed written off-please remove Cc banking is showing in XXXX different places on my credit report its also under personal loans XXXX did not give XXXX my gift card as promised with sign up its a monthly scam they targeted XXXX  in my building I can send picture of the next posted sign how they offer but never hold up their end of the sign up- I have XXXX other XXXX  in my building experiencing the same issue with this program XXXX was paid XXXX XXXX XXXX agreed by me its showing paid then closed then written off this all inaccurate please remove 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 explanation
Consumer complaint received 2025-07-08 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Dispute of Negative Collection Reporting by Regional Acceptance Corp Request for Investigation and Deletion Dear CFPB, I am writing to formally dispute a negative collection account being reported by Regional Acceptance Corp on my credit file. I believe the reporting is inaccurate, incomplete, or

can not be properly verified, and I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under federal law, I am entitled to dispute any item I believe to be erroneous or misleading. I am requesting that Regional Acceptance Corp, as the furnisher of this information, provide full validation of the alleged debt as required by FCRA 623 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

If the debt can not be verified with appropriate documentation within the time limits set by law, I request that this account be permanently deleted from all consumer credit reporting agencies. 

Please notify me in writing of the results of your investigation, as well as any actions taken. My contact information is listed above for any necessary follow-up. 

Thank you for your time and attention to this matter. I appreciate your support in ensuring the accuracy and fairness of the credit reporting system. 

Sincerely, 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 2025-07-08 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: WI

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for serious and ongoing violations of federal consumer protection laws, including : - 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - 15 U.S. Code 1601, 1602, 1666b ( Truth in Lending Act and Regulation Z ) - 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) Since approximately XX/XX/year>, I have been subjected to : - Repeated billing errors and inaccuracies on my credit file ; - Inaccurate tradelines, including incorrect account statuses and balance reporting ; - Unidentifiable or false addresses and names listed on my credit report ; - A failure by Equifax to properly reinvestigate disputes in compliance with FCRA 611 ; - Harassment and continued reporting of false or unverifiable data, despite prior efforts to resolve these issues. These actions have caused me undue stress, negatively impacted my credit standing, and denied me access to fair credit. PRIOR DISPUTES & DOCUMENTATION : I have previously submitted disputes through appropriate channels and provided all relevant documentation, including : - My government-issued identification ; - All three major credit reports ( Equifax, XXXX XXXX ) XXXX - Evidence showing incorrect names, addresses, and accounts ; No satisfactory resolution has been provided by Equifax. LEGAL BASIS : Equifax has violated multiple consumer protection statutes, including but not limited to : - FCRA XXXX - Failure to conduct a reasonable and timely reinvestigation ; - FCRA 1681e ( b ) - Failure to maintain procedures to ensure maximum possible accuracy ; - FCRA 1681i ( a ) ( 5 ) ( B ) - Re-insertion of previously disputed/deleted information without certification or notice ; - TILA 1666b - Failing to apply billing practices consistent with timely payments ; - FDCPA 1692d and 1692e - Engaging in harassment and deceptive reporting through continued publication of unverifiable data. DESIRED RESOLUTION : - A full and fair reinvestigation of all disputed items ; - Removal or correction of all inaccurate, unverifiable, or outdated tradelines, names, and addresses ; - Compliance with 15 U.S.C. 1681i ( a ) ( 1 ) - ( 6 ) and Regulation Z billing standards ; - Furnishing of only accurate and verifiable information going forward ; - Written confirmation of compliance and action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-08 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AR

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

TRANSUNION XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX  XXXX * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * has violated my rights. 

EXPERIAN XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX  RESOURCE XXXX XXXX * * * XXXX OF XXXX XX/XX/XXXX XXXXXX/XX/GWATNEY XXXX XX/XX/XXXX XX/XX/XXXX SVC XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CRXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX USC XXXX 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