vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I disputed a collection account reporting from LVNV Funding LLC on my XXXX report. The account was verified, but no documentation was provided to validate the debt. Neither XXXX nor LVNV has supplied any proof of ownership of the debt, original account records, contract, billing history, or itemized accounting. This debt is being reported without evidence it is accurate or legally enforceable. The furnisher has not demonstrated that they have the right to collect or report this debt. This violates the Fair Credit Reporting Act and the requirement for complete and verifiable reporting. I am requesting proper validation or removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XX/XX/year>

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion are reporting inaccurate information regarding my XXXX BANK mortgage account ( Account No. XXXXXX/XX/XXXX), which carries a balance of {$150000.00} and has been consistently maintained and paid as agreed. After reviewing my reports, I discovered that Experian and TransUnion are showing late payments for XX/XX/XXXX and XX/XX/XXXX even though these late notations do not exist on my XX/XX/XXXX report and do not reflect my actual payment history. This inconsistency has created a misleading and unfair representation of my credit profile, violating the accuracy standards required under FCRA XXXX, which mandates fair and reliable reporting practices. Under FCRA XXXX, I have disputed these errors with both bureaus because the information is inaccurate, incomplete, and inconsistent across reports. Additionally, XXXX BANK, as the furnisher of this data, is required under FCRA XXXX ( a ) ( XXXX ) to correct and update information once an inaccuracy is identified, and under XXXX ( b ), they must conduct a full and reasonable investigation upon receiving my dispute. The presence of erroneous late payments on XXXX bureaus, combined with correct reporting onXX/XX/XXXX, shows that Experian and TransUnion are not displaying updated or accurate data, resulting in harm to my creditworthiness and potential financial impact when applying for credit, insurance, or housing. I have fulfilled my responsibility by making timely payments, and the inaccurate display of late payments is not only misleading but also non-compliant with the procedural and accuracy requirements 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 non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Experian changed the balance, past-due amount, and as of dates, but kept the status updated date at XX/XX/XXXX. 
This is impossible unless Experian updated data on their own. 
A balance change requires a new furnisher update. That did not happen. 
The account shows illegal re-aging they increased the past-due amount AFTER the charge-off, violating CFPB and FCRA accuracy rules. 
I sent a validation request on XX/XX/XXXX ( received XX/XX/XXXX ). 
The furnisher responded 57 days later, FAR outside FCRA reinvestigation timelines. 
This is a violation of FCRA 1681s-2 ( b ).

Experian then opened a NEW dispute on XX/XX/XXXX after receiving my final notice, which indicates they did not complete the first investigation correctly. This account is inaccurate, contradictory, and unverified. Experian failed its duty under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Requested Resolution : Permanent deletion of the Freeway Funding account from my Experian, XXXX and transunion credit file due to FCRA violations and failure to provide verified, consistent 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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
In 2023, an auto loan serviced by Westlake Services was repossessed. After the repossession, the account began appearing twice on the consumers credit reports : once under Westlake Services and a second time under a collection/attorney account. Both tradelines reported the same alleged deficiency balance of {$9500.00}, effectively duplicating the negative information.

The consumer disputed the accuracy of the reporting with TransUnion and also requested validation from the collector. Specifically, the consumer requested documentation such as : Proof of assignment or ownership of the debt, An itemized calculation of the deficiency balance, and Repossession and auction information.

Despite these requests, no proper validation or supporting documents were provided by the collector or Westlake Services. The duplicate tradeline and unverified balance continue to be reported, which the consumer believes violates federal credit reporting requirements.

The consumer is requesting that the duplicate tradeline be removed, that the companies verify who owns the debt, and that complete validation and an accurate accounting of the balance be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and outdated information across my credit reports with Experian, Equifax, and TransUnion. My reports include late closed accounts such as XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX Bank ( XXXXXXXX XXXX XXXX, {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} ), and XXXX XXXX XXXX XXXX ( XXXX *, {$0.00} ) that are obsolete under FCRA 605 ( a ) and inaccurately report account closure dates and balances in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). Charge-offs for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$610.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ), and Arkansas FCU ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ) are incorrectly reported and require validation under FDCPA XXXX, XXXX and FCRA XXXX. Collection accounts including XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$860.00} ), and XXXXXXXX XXXX XXXXXXXX Co XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4700.00} ) are also inaccurate. Hard inquiries such as XXXX XXXX ( XX/XX/year> ) were made without proper authorization or permissible purpose under FCRA 604 ( a ) ( 3 ) and must be removed as outdated under FCRA 605 ( a ). I dispute all inaccurate, unverifiable, and misleading information and request investigation, correction, or deletion of each item as required by law.

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 2025-11-18 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and outdated information across my credit reports with Experian, Equifax, and TransUnion. My reports include late closed accounts such as XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX Bank ( XXXXXXXX XXXX XXXX, {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} ), and XXXX XXXX XXXX XXXX ( XXXX *, {$0.00} ) that are obsolete under FCRA 605 ( a ) and inaccurately report account closure dates and balances in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). Charge-offs for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$610.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ), and Arkansas FCU ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ) are incorrectly reported and require validation under FDCPA XXXX, XXXX and FCRA XXXX. Collection accounts including XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$860.00} ), and XXXXXXXX XXXX XXXXXXXX Co XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4700.00} ) are also inaccurate. Hard inquiries such as XXXX XXXX ( XX/XX/year> ) were made without proper authorization or permissible purpose under FCRA 604 ( a ) ( 3 ) and must be removed as outdated under FCRA 605 ( a ). I dispute all inaccurate, unverifiable, and misleading information and request investigation, correction, or deletion of each item as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against AMERICAN EXPRESS a data furnisher to the XXXX  XXXX  reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMEX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding late payment information reported on several accounts appearing on my Experian credit report. These accounts include XXXX XXXX XXXX, XXXX, Office of the Attorney General, and XXXX XXXX, all of which contain payment history or balances that appear incomplete, inconsistent, or inaccurate. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure maximum possible accuracy under 607 ( b ), and they must properly reinvestigate disputed items under 611. Despite my earlier dispute, these accounts continue to report the same questionable late payment information, and I have not received any documentation, verification results, or explanation confirming how Experian determined the continued accuracy of these entries. The lack of response and failure to correct or verify the disputed information constitutes a violation of my rights under the FCRA and is causing ongoing harm to my credit profile.

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 2025-11-18 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 filing a complaint to once again formally dispute and urgently request the immediate and permanent removal of multiple inaccurate, unverifiable, and unauthorized accounts appearing across my Experian, Equifax, and TransUnion credit reports ; this is my XXXXround request, as despite prior disputes and investigations, these items continue to appear on my credit files, misrepresent my true financial history, and cause significant stress, anxiety, and potential harm to my creditworthiness. On Experian, the late-closed account XXXX XXXX XXXXXXXX XXXX a {$0.00} balance remains despite being fully settled and closed, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, multiple charged-off accounts continue to report inaccurate balances without proper XXXX documentation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX ( {$7000.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Equifax and TransUnion, and XXXX XXXXXXXX ( {$4800.00} ) on TransUnion. Several collection accounts are also inaccurately reported or lack proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Experian and TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1800.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ) on TransUnion, potentially violating FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. None of these accounts were authorized by me, and I have no documentation validating their balances or status ; their continued presence misrepresents my credit history and unfairly impacts my ability to access credit.

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 2025-11-18 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

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