vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
This letter serves as a formal cease and desist demand regarding your attempts to collect an alleged debt that I do not acknowledge. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, I requested that you validate this alleged debt by providing the following : A copy of the original signed contract bearing my signature ; Proof of your legal ownership of the debt ( chain of custody and assignment ) ; The purchase or assignment agreement between your company and the original creditor. 
To date, you have failed to provide any of this documentation, and therefore have not fulfilled your obligation to verify the debt under federal law. 
Let this letter serve as your formal notice to cease and desist all collection activities, including : Phone calls Letters or emails Reporting to credit bureaus Threatening legal action Until you provide the documentation legally required to validate the alleged debt, you may not contact me again regarding this matter.

Should you continue to contact me without providing the proper documentation, I will consider it a willful violation of the FDCPA and will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I also reserve the right to pursue civil remedies, including statutory damages. 
This is an attempt to protect my rights under federal law. It should not be construed as an acknowledgment or acceptance of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion Inaccurate Payment History Reporting and Billing Errors I am filing this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate payment history on my credit file. This dispute is submitted directly by me, XXXX XXXX XXXX, not by any third party. I have provided proper documentation, yet the bureaus continue to report false late payments that fall under billing errors as defined in 15 U.S.C. 1666 ( b ).

Accounts in Dispute ( Inaccurate Late Payments ) 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 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 Basis of Complaint 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect payments made or credits issued.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting errors. 

Creditors also failed to provide statements at least 21 days prior, meaning late payments should not have been recorded.

Violations by the Bureaus By continuing to report these inaccurate late payments without requiring proper verification from furnishers, the bureaus are in violation of : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Central Research Inc
State: TX

Complaint narrative:
The following unauthorized information is being fraudulently and incorrectly reported on my credit report. 

Names and id, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX Addresses and id, XXXX XXXX XXXX XXXX TX, XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX ID # XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Central Research Inc/Doe h

as violated my rights. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C section ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 D section 2. States Consumer reports do not include reports containing information solely about transactions between the consumer and the reporting entity, communication of information among related or affiliated entities, or communication of information among related entities if the consumer is given the opportunity to opt out. They also do not include authorizations or approvals of credit extensions by credit card issuers, or reports where a decision on a credit request is conveyed to a consumer by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
EXPERIAN HAS ONCE AGAIN VIOLATED THE FAIR CREDIT REPORTING ACT BY ALLOWING XXXX XXXX XXXX TO UPDATE THE TRADELINE WHILE MY REINVESTIGATION WAS STILL PENDING. On XX/XX/year>, the balance of the XXXX XXXX tradeline was modified, even though Experian previously acknowledged receipt of my dispute and supporting evidence. This is the SECOND time in the same month that Experian permitted mid-dispute modifications ( following the XX/XX/year> change I already reported ). Under U.S.C. 1681i ( a ) ( 5 ) ( A ), a credit bureau is prohibited from modifying a disputed tradeline until the reinvestigation is completed. Furnishers such as XXXX XXXX are also prohibited from modifying tradelines mid-dispute. By continuing to process updates while the dispute remained unresolved, Experian has engaged in serial violations of the FCRA, undermining the integrity of the dispute process, misleading third-party recipients of the data, and compounding consumer harm. The XX/XX/XXXX update proves this was. not an isolated error but a systemic practice of obstruction. I do not acknowledge, accept, or validate this debt in any form, and nothing in this complaint should be construed as such.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am disputing inaccurate personal information being reported by the credit bureau Equifax. My credit report shows multiple addresses that are not mine and are being wrongly associated with my file : XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  NV XXXX The only correct and current address for me is : XXXX XXXX XXXXXXXX XXXX NV XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( FCRA 611 ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. The law also requires that any unverifiable or inaccurate information must be corrected or deleted from a consumers credit file.

I request that the CFPB investigate this matter and ensure that the credit bureau removes all inaccurate addresses and deletes any accounts or information linked to them, leaving only my correct address on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Im contacting you regarding the TransUnion data breach that exposed the personal information of over XXXX XXXX consumers. Because of this, I am disputing and demanding deletion of accounts now tied to my file that I believe stem directly from unauthorized access to my information. 

TransUnion has a legal duty under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( a ) : to maintain reasonable procedures for data accuracy and security.

15 U.S.C. 1681i : to reinvestigate disputes fully and fairly.

15 U.S.C. 1681c-2 : to block and delete disputed identity theft information within 4 calendar days of receiving proper notice. 



Accounts in Dispute ( Must Be Removed Within 4 Days ) XXXX XXXX XXXX XXXX Status : Charged off / Closed DPT EDXXXX Multiple installment accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) showing 120+ days delinquent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Collection entry My Demands 1. Immediate e-OSCAR Compliance : This dispute must be processed through the e-OSCAR system and fully transmitted to each data furnisher with proper codes, as required by FCRA and Metro-2 standards.

2. Block & Delete in 4 Days : All of the above accounts along with any duplicate or satellite branch versions of these tradelines must be permanently blocked and deleted from my credit file within 4 days. 
3. Breach Confirmation : Provide confirmation in writing whether my personal data was part of the recent breach, and identify what categories of data were compromised. 
4. Remedial Measures : Provide a statement of the security upgrades TransUnion is implementing to prevent additional breaches. 
5. Consumer Remedy : Provide at least 24 months of free credit monitoring and identity theft protection. 



Notice of Liability Failure to act within the 4-day statutory window will be treated as willful noncompliance with the FCRA and CFPB regulations. If these tradelines ( or any satellite versions ) remain, I will escalate this to the CFPB, FTC, and my State Attorney General and pursue full legal remedies, including damages. 

This is a formal dispute and intent to sue if corrective action is not taken. 

Sincerely, 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 2025-09-04 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: TX

Complaint narrative:
Im contacting you regarding the TransUnion data breach that exposed the personal information of over XXXX XXXX consumers. Because of this, I am disputing and demanding deletion of accounts now tied to my file that I believe stem directly from unauthorized access to my information. 

TransUnion has a legal duty under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( a ) : to maintain reasonable procedures for data accuracy and security.

15 U.S.C. 1681i : to reinvestigate disputes fully and fairly.

15 U.S.C. 1681c-2 : to block and delete disputed identity theft information within 4 calendar days of receiving proper notice. 



Accounts in Dispute ( Must Be Removed Within 4 Days ) XXXX XXXX XXXX XXXX Status : Charged off / Closed DPT EDXXXX Multiple installment accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) showing 120+ days delinquent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Collection entry My Demands 1. Immediate e-OSCAR Compliance : This dispute must be processed through the e-OSCAR system and fully transmitted to each data furnisher with proper codes, as required by FCRA and Metro-2 standards.

2. Block & Delete in 4 Days : All of the above accounts along with any duplicate or satellite branch versions of these tradelines must be permanently blocked and deleted from my credit file within 4 days. 
3. Breach Confirmation : Provide confirmation in writing whether my personal data was part of the recent breach, and identify what categories of data were compromised. 
4. Remedial Measures : Provide a statement of the security upgrades TransUnion is implementing to prevent additional breaches. 
5. Consumer Remedy : Provide at least 24 months of free credit monitoring and identity theft protection. 



Notice of Liability Failure to act within the 4-day statutory window will be treated as willful noncompliance with the FCRA and CFPB regulations. If these tradelines ( or any satellite versions ) remain, I will escalate this to the CFPB, FTC, and my State Attorney General and pursue full legal remedies, including damages. 

This is a formal dispute and intent to sue if corrective action is not taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My recent credit review shows a false bankruptcy entry that has been placed on my report in error. This information is completely incorrect and should not be associated with my financial profile. I am requesting that your office launch an immediate investigation and ensure that the inaccurate bankruptcy is deleted from my credit report within XXXX business days.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year>, I reported an unauthorized debit transaction on my Chime account ending in XXXX, in the amount of {$150.00}. I did not authorize this transaction, did not benefit from it, and at no time gave permission for these funds to be withdrawn. 

I filed a dispute with Chime under Claim ID XXXX. On XX/XX/year>, I received written notice from Chimes Disputes Team stating that their investigation concluded no error occurred and that my claim was closed with no reimbursement provided. 

I strongly disagree with this determination. The transaction was unauthorized, and I remain out of pocket for the loss. I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that my financial institution complies with its obligations under Regulation E ( Electronic Fund Transfer Act ) regarding unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 XXXX  Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00}

Company response to consumer: Closed with non-monetary relief