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

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting inaccurate and unverifiable information on my credit report. The account, listed under number XXXX, shows a collection balance of {$600.00} and was opened on XX/XX/year>. I have disputed this account multiple times, yet LVNV Funding LLC has failed to provide proper validation or any documentation proving that I owe this debt or that they have the legal right to collect or report it. The company has not produced a signed agreement, original contract, or chain of assignment verifying ownership of this debt. The reporting continues to harm my credit despite the lack of verification. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require LVNV Funding LLC to provide complete validation of this account, including all supporting documentation. If they can not verify the accuracy of the debt, I request that the account and all associated negative information be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The collection agency/creditor listed, LVNV Funding LLC XXXX has officially stated that they do not have record of this account. This admission was made in their formal response to a consumer complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), CFPB Complaint ID : # : XXXX. The agency indicated that they were unable to locate or identify the account referenced in the complaint. 

Since the furnisher ( LVNV Funding LLC ) has officially stated in their CFPB response that they can not find or identify this account, they are by definition unable to verify its existence, accuracy, or validity. Its continued presence on my credit report with ( XXXX  ) in the amount of {$460.00} is therefore based on erroneous or non-existent data.

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

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Debt last reposted XX/XX/year> Jefferson Capital LL reporting on my credit a balance of {$790.00} fraudulently and refusing to provide me documentation.

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

Complaint narrative:
This complaint is being filed regarding a XXXXXXXX XXXX XXXX XXXX account that has been inaccurately and inconsistently reported by Experian, Equifax, and TransUnion. Despite multiple disputes filed more than 60 days ago, none of the credit bureaus nor the furnisher have provided a single piece of written verification, validation, or supporting documentation for this alleged account. 
Each bureau is reporting different account numbers, dates of activity, and reporting dates, which is a clear violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), requiring the maximum possible accuracy of data furnished. The inconsistent data among the three credit bureaus confirms a failure to maintain procedural accuracy and a Metro 2 compliance violation. 
Specifically : Experian lists the account number as XXXX, with a Date of Last Activity of XX/XX/XXXX. 
Equifax and TransUnion list the account as XXXX, with Equifax showing a Date of Last Activity of XX/XX/XXXX. 
Date Reported is inconsistent : Experian and TransUnion show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
All three bureaus mark this account as Account not disputed, even though formal written disputes and requests for validation were sent in compliance with FCRA 611 ( a ) and FDCPA 809 ( b ) more than 60 days ago. This account continues to report as a charge-off/collection with a {$460.00} balance, though there is no
validation of ownership, contract, or payment history. None of the furnishers have produced documentation showing that this account is legitimate, verified, or accurate.

Furthermore, Equifax, Experian, and TransUnion have all failed to follow FCRA 611 ( a ) ( 1 ) ( A ), which mandates a proper reinvestigation within 30 days. Instead, they closed my disputes and falsely marked the account as not disputed, while continuing to publish conflicting and unverifiable data.

The furnisher and bureaus are in violation of : FCRA 602 & 607 ( b ) Failure to ensure accuracy and reliability of credit data.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FDCPA 809 ( b ) Failure to provide written validation upon request.

Metro 2 Data Reporting Standards Furnishing inconsistent, incomplete, and noncompliant data across bureaus.

This accounts data is factually inaccurate and represents a factual dispute under the FCRA. The inconsistencies in account number, last activity date, and reporting date indicate the bureaus and furnisher are not following proper verification protocols.

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 2025-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is being filed regarding a XXXXXXXX XXXX XXXX XXXX account that has been inaccurately and inconsistently reported by Experian, Equifax, and TransUnion. Despite multiple disputes filed more than 60 days ago, none of the credit bureaus nor the furnisher have provided a single piece of written verification, validation, or supporting documentation for this alleged account. 
Each bureau is reporting different account numbers, dates of activity, and reporting dates, which is a clear violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), requiring the maximum possible accuracy of data furnished. The inconsistent data among the three credit bureaus confirms a failure to maintain procedural accuracy and a Metro 2 compliance violation. 
Specifically : Experian lists the account number as XXXX, with a Date of Last Activity of XX/XX/XXXX. 
Equifax and TransUnion list the account as XXXX, with Equifax showing a Date of Last Activity of XX/XX/XXXX. 
Date Reported is inconsistent : Experian and TransUnion show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
All three bureaus mark this account as Account not disputed, even though formal written disputes and requests for validation were sent in compliance with FCRA 611 ( a ) and FDCPA 809 ( b ) more than 60 days ago. This account continues to report as a charge-off/collection with a {$460.00} balance, though there is no
validation of ownership, contract, or payment history. None of the furnishers have produced documentation showing that this account is legitimate, verified, or accurate.

Furthermore, Equifax, Experian, and TransUnion have all failed to follow FCRA 611 ( a ) ( 1 ) ( A ), which mandates a proper reinvestigation within 30 days. Instead, they closed my disputes and falsely marked the account as not disputed, while continuing to publish conflicting and unverifiable data.

The furnisher and bureaus are in violation of : FCRA 602 & 607 ( b ) Failure to ensure accuracy and reliability of credit data.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FDCPA 809 ( b ) Failure to provide written validation upon request.

Metro 2 Data Reporting Standards Furnishing inconsistent, incomplete, and noncompliant data across bureaus.

This accounts data is factually inaccurate and represents a factual dispute under the FCRA. The inconsistencies in account number, last activity date, and reporting date indicate the bureaus and furnisher are not following proper verification protocols.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding unauthorized inquiries listed on my TransUnion credit report. The following inquiries have appeared on my credit file without my consent, and I am requesting that they be immediately deleted : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to report these inquiries or have them show up on my credit file. I did not authorize them to be reported at all. Under 15 U.S.C. 1681b ( f ), no one should be accessing or posting anything on my credit report without a legitimate reason and my explicit permission. These unauthorized inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that they be removed immediately. Furthermore, I would like to reference the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case, which involved similar violations by TransUnion, where it was found that the credit bureau failed to properly investigate and remove disputed inquiries. This case supports my position that these unauthorized inquiries should be removed from my credit report, as TransUnion has been found liable for similar failures to act in accordance with the FCRA. Additionally, I am currently unable to file an FTC Identity Theft report due to the FTC website being unavailable. This shutdown is preventing me from taking the necessary steps to address these fraudulent activities through the proper channels, further exacerbating the issues I am facing. The inability to file an FTC report leaves me without an important tool in protecting my credit, making it even more urgent that TransUnion take swift action to remove these unauthorized inquiries.

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 2025-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I have a recent collection of XXXX $ that was added to account on equipment that was returned i have no clue and told the company this and they sent me a XXXX bill for equipment

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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I took out a loan in XXXX of XXXX  for {$12000.00}. Since then I have been paying {$370.00} a month for over 3 years now. I have paid over {$13000.00} and they are still saying that I owe {$9000.00}!!!! This is insane, and I have asked for a detailed payment history as well as proof of a contract that they are allowed to do this. 

I have paid over the amount I borrowed so there is no way I should still owe over XXXX to this company! they are incredibly shady, and cant even give me specifics on my account that I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-11 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: TX

Complaint narrative:
I am disputing several accounts and inquiries appearing on my Experian credit report that I believe are inaccurate or need verification. 

XXXX. XXXX Accounts : XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} I believe this account XXXX be outdated or inaccurately reported. Please verify the date of first delinquency and confirm whether it is still eligible to be reported under the FCRAs seven-year limit. If it is past the allowable period or unverifiable, I request its removal. 

XXXX XXXX XXXXXXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$420.00} I am disputing this charged-off account and request verification from the original creditor. If Experian can not provide supporting documentation confirming the validity and balance of this account, please remove it from my report. 

XXXX. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries. Please verify that each was made with my consent and meets the permissible purpose requirements under the FCRA. If not, please delete them. 

XXXX. Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account No. XXXX I am disputing the reported late payments for these accounts. I am requesting that Experian verify this information directly with the original creditor. If the reported late payments can not be verified, please remove them from my file. 

Please complete a full reinvestigation and provide written results of your findings within 30 days, as required under the 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 2025-11-11 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted written disputes and requests for investigation to the credit bureaus regarding inaccurate or outdated information on my credit report. However, I never received any response or acknowledgment from the bureaus within the required time frame. It has been more than 30 days since my letters were sent, and I still have not received results of any investigation or updates to my report.

I am requesting that the CFPB review this matter to ensure that the credit bureaus comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) to respond to consumer disputes in a timely and complete manner.

Company response to consumer: Closed with explanation