vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple negative items listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. After reviewing my credit reports from all three bureaus TransUnion, Experian, and Equifax Ive found numerous discrepancies that must be immediately investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-20 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 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: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX Fair Credit Reporting Act ( 73 P.S. 2181 et seq. ), I am submitting a formal dispute regarding an inaccurate and misleading tradeline reported by XXXXXXXX XXXX XXXXXXXX on my credit files maintained by Equifax, XXXX XXXX XXXX 

Identification of the Inaccurate Tradeline : Furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status as Reported : Open Mortgage with outstanding balance This tradeline is inaccurate and should reflect a XXXX balance and closed status, pursuant to XXXX XXXX XXXX XXXX XXXXXXXX IRS Form XXXX ( Cancellation of Debt ), which I have attached along with the IRS transcript confirming this discharge. The debt was officially discharged, legally extinguishing any remaining obligation on my part, and must therefore be accurately reported by the credit bureaus. 

Specific Violations Committed by Credit Bureaus : Under federal and state law, credit bureaus are required to maintain and report accurate consumer information. By reporting this discharged mortgage as open with an outstanding balance, Equifax, Experian, and TransUnion have violated : Fair Credit Reporting Act ( Federal Law ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies ( CRAs ) must follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : CRAs must promptly conduct a reinvestigation within 30 days when consumers dispute accuracy.

15 U.S.C. 1681s-2 : Furnishers have a duty to provide accurate and complete information to credit reporting agencies.

Pennsylvania Fair Credit Reporting Act : 73 P.S. 2183 ( f ) : Mandates CRAs to maintain consumer records with maximum possible accuracy and correct any outdated, misleading, or inaccurate information.

73 P.S. 2185 : Establishes civil liability for violations by CRAs and furnishers who fail to comply with state credit-reporting standards.

Evidence Supporting My Claim : IRS Form 1099-C issued by XXXX XXXX, clearly showing the cancellation of my mortgage debt. ( Copy enclosed ) IRS Official Transcript validating the Form 1099-C, confirming discharge. ( Copy enclosed ) Given the irrefutable evidence presented, there is no reasonable justification for the continued inaccurate reporting of this account as open or unpaid.

Notice of Further Action : Failure to correct this issue promptly constitutes willful noncompliance under FCRA 616 and PA FCRA 2185, entitling me to statutory, actual, and punitive damages. Should this inaccurate information remain on my credit reports, I intend to : Escalate the issue by filing a complaint with the Pennsylvania Attorney Generals Office for violation of the Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Verification and Securitization Details Account # XXXX To Whom It May Concern, I am writing to request the following documentation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : 1. Proof of your legal authority to collect on the above-referenced debt ; 2. Chain of assignment from the original creditor ; 3. Confirmation as to whether this debt has been securitized ; 4. If securitized, the name and contact information of the trust or entity that owns the debt.

I request that you cease all collection activities until this documentation is provided. Failure to comply may be considered a violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Credit Report Dispute Inaccurate Reporting for Navy Federal Credit Union Account To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my XXXX  credit report. The account in question is being reported by Navy Federal Credit Union, account number ending in XXXX. 

The Issues Being Disputed : XXXX. Payment History Reporting Errors : The payment history from XX/XX/XXXX to XX/XX/XXXX includes inaccurate reporting. Specifically, your records show consistent late payments or delinquencies from XX/XX/XXXX onward, yet I made payments in XXXX and XX/XX/XXXX, which are marked as on time. No accurate or complete payment data exists for XX/XX/XXXX, and future reporting for XX/XX/XXXX and XX/XX/XXXX is either unavailable or incorrectly dated. 
XXXX. Charge-Off and Balance Discrepancies : The account is listed as charged off in XX/XX/XXXX, but the balance is still shown as increasing with a past due amount through XX/XX/XXXX, which is contradictory. A charged-off account should not continue to accrue a growing past-due balance post-charge-off without additional activity, especially after closure. 
XXXX. Incorrect Status and Dates : The last payment is reported as XX/XX/XXXX, but the account shows continued updates and delinquency status through XX/XX/XXXX, which suggests future-dated reporting that may be inaccurate or speculative. 

Requested Action : Please investigate these discrepancies and either correct or remove the inaccurate entries from my credit report. I have included a copy of my credit report entries and related documentation highlighting the issues for your review. 

Supporting Documents Attached : Copy of my ID and proof of address Screenshots of credit report entry from XXXX  XXXX XXXX Payment history showing inconsistencies This written dispute letter Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If the account can not be verified or corrected, it must be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Jamestown, Inc.

Complaint narrative:
XXXX XXXX called and said i owed money but did not send a letter before calling giving the details. 
I did not and never have borrowed money and someone is using my identity to do so. 
I can not file a identity theft to the police until i have all the information. 
I would like CFPB to investigate this as it is wrong and has to stop as i am a XXXX XXXX. 
The first complaint i sent to you was XXXX. 
I should not have to pay if they have the wrong person. 

Thanks Kindly. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding one or more charge-off entries falsely and inaccurately reported under my name, as currently reflected on my XXXX  credit report. These entries are erroneous, misleading, and potentially fraudulent in nature. 


Disputed Account Account Name : XXXX XXXX / XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/year>XXXX  Reported Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
please check the information concerning the equifax data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Date : XX/XX/year> LVNV Funding LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX XXXX : Cease and Desist Notice for Account No. XXXXXXXX XXXX XXXX To Whom It May Concern : * * Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby requesting that LVNV Funding LLC, and its agents including Resurgent Capital Services, immediately cease all communication with me regarding the above-referenced account and any other alleged debt you claim I owe. 

I do not acknowledge or admit to owing any debt to your organization or any entity you may represent. Furthermore, I am formally requesting that you cease any and all attempts to contact me via telephone, mail, or any other form of communication. Any further contact from your company, except to notify me of specific legal actions, will be considered a violation of federal law and reported to the appropriate authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Please be advised that continued collection efforts after the receipt of this letter may result in legal action being taken against your company. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding a credit card debt that is inaccurately being reported on my credit file. This account does not belong to me, and I have never entered into any agreement with LVNV Funding LLC or any original creditor related to this alleged debt. 

On XX/XX/year>, I sent a Debt Validation Letter to LVNV Funding LLC via Certified Mail with Return Receipt Requested, as authorized by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This law gives me the right to request verification of the debt and mandates that the debt collector cease collection activities until they have provided such verification. 

To date, LVNV Funding LLC has failed to respond to my validation request. They have not provided any proof that the debt belongs to me, nor have they provided documentation showing a legal right to collect the alleged debt. Despite their failure to validate, the account remains on my credit report and is negatively affecting my credit score. 

Under the FDCPA, LVNV Funding is in violation of 15 U.S.C. 1692g ( b ) by continuing to report the debt without providing the legally required validation. Additionally, reporting inaccurate or unverified information to the credit bureaus may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a reasonable investigation when a dispute is raised. 

I respectfully request that this account be removed from all credit reports immediately, as LVNV Funding LLC has not fulfilled its legal obligations to validate the debt and has provided no evidence that I am the responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I filed a dispute with Experian regarding the removal of TN CHILD SUPPORT from my credit report. On XX/XX/year> I filed a second dispute requesting that this be removed. The credit bureau stated that is was validated and I asked for information used to validate this account. I translated to them this was a legal matter not a consumer debt so it should be removed per Comsumer law in this matter.

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 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
I took out XXXX payday-style loans from XXXX XXXX and Bright Lending. XXXX loan was for {$1200.00} with a 538.59 % APR, and Bright Lending 's APR was approximately 699 %. I am a resident of Illinois, where the Predatory Loan Prevention Act limits loan APRs to 36 %. These loans are illegal under state law and considered void and uncollectible. 

On XX/XX/year>, I formally revoked ACH authorization and disputed the validity of the loans with both lenders under Regulation E. I also instructed them to cease all contact. 

Despite that, I received repeated phone calls from ( XXXX ) XXXX on the same day and the following day, a text message from ( XXXX ) XXXX that included my full name, address, and a suspicious link. These communications appear to be intimidation or phishing tactics tied to these lenders or a third-party collector working on their behalf. They are continuing to contact me after being told to stop, which is a violation of the Fair Debt Collection Practices Act. 

I am requesting that the CFPB investigate these lenders and any associated collection activity, and ensure they cease all communication immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : 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 Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations. 
5. Written confirmation of every reinvestigation and correction action.

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 2025-05-20 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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