vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on XX/XX/2025. 
I requested verification under FCRA XXXX ( a ) ( XXXX ), but no documentation was provided. 

In addition, XXXX XXXX has contacted me excessively by phone and mail, sometimes daily, which I believe violates FDCPA XXXX prohibiting harassment and abuse. 

This collection is negatively affecting my credit profile without proper validation, and I have experienced ongoing stress from constant contact attempts.

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 2025-05-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am unfamiliar with this debt. I have never received any information, but it is on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im writing to formally request the removal of XXXX mailing addresses from my Experian credit report that do not belong to me. I have already contacted XXXX and XXXX, and they have updated my credit reports accordingly. However, Experian has refused to make these changes. Ive called Experian several times along with XXXX certified letters in the mail to no avail.

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 2025-05-22 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account XXXX XXXX XXXX XXXX XXXX XXXX was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : XXXX. Close and remove the fraudulent auto loan account from your records XXXX. Cease all collection efforts related to this account XXXX. Notify the credit bureaus to delete the account from my credit file XXXX. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account XXXX XXXX XXXX XXXX XXXX XXXX, was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : XXXX. Close and remove the fraudulent auto loan account from your records XXXX. Cease all collection efforts related to this account XXXX. Notify the credit bureaus to delete the account from my credit file XXXX. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Lendbuzz Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : XXXX. Close and remove the fraudulent auto loan account from your records XXXX. Cease all collection efforts related to this account XXXX. Notify the credit bureaus to delete the account from my credit file XXXX. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We filed a debt consolidation program with XXXX XXXX XXXX XXXX XXXX XXXX, signed a Power of Attorney for XXXX XXXX XXXX XXXX XX/XX/XXXX. Per our XXXX representative the XXXX was sent to all of our debt holders including Bank of America within XXXX to XXXX business days of XXXX 's acceptance of our consildation plan on XX/XX/XXXX. We have changed our contact information in the Bank of America system to the XXXX XXXX information we were given when they started trying to settle our debts in late XXXX. Bank of America is not calling XXXX, they are calling my cell phone constantly, most of the time the messages are not even loud enough to hear, others give clear names. But they have called on these dates and times, names are estimates, some messages we could not hear the name at all : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are now calling every day except weekends. Per XXXX, they should not be contacting us as we have changed all contact info in the account to XXXX XXXX and they were sent the Power of Attorney months ago. They should be working with XXXX to settle the debt at this point and not contacting me every day. They are harassing me instead of working with XXXX. Power of Attorney we signed and the Bank of America info is attached below

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 2025-05-22 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: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on XX/XX/year>. 
I requested verification under FCRA 609 ( a ) ( 1 ), but no documentation was provided. 

In addition, XXXX XXXX has contacted me excessively by phone and mail, sometimes daily, which I believe violates FDCPA 806 prohibiting harassment and abuse. 

This collection is negatively affecting my credit profile without proper validation, and I have experienced ongoing stress from constant contact attempts.

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 2025-05-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Cod
e 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Revco Management, LLC
State: NJ

Complaint narrative:
I received a letter from Revco Solutions attempting to collect a debt for {$1600.00}. On XX/XX/year>, I sent a certified dispute letter requesting validation under 15 U.S.C. 1692g. I asked for a copy of the signed contract, itemized breakdown, chain of title, and information about any insurance or payment activity. Revco failed to provide any of this, yet they continue to pursue collection and report the debt. This violates my rights under the FDCPA. The account was also listed in a XXXX XXXX bankruptcy filing ( XXXX XXXX XXXX XXXX ), though dismissed. I request full investigation and removal of this account from all credit reporting unless properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. This entry contains inaccurate payment history information, that has negatively affected my credit profile.

Upon my review, I found the following discrepancies : Payments reported as late were actually made on time, Account was not past due prior to charge-off. Date account was opened does not match or is accurate with any bureau. credit amount reported is improperly reported on each credit bureau.

These inaccuracies violate the FCRA and have caused unfair damage to my credit standing. I am requesting that your agency conduct a reasonable reinvestigation of this information and, based on the lack of accuracy and compliance with FCRA standards, remove this charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. This entry contains inaccurate payment history information, that has negatively affected my credit profile.

Upon my review, I found the following discrepancies : Payments reported as late were actually made on time, Account was not past due prior to charge-off. Date account was opened does not match or is accurate with any bureau. credit amount reported is improperly reported on each credit bureau.

These inaccuracies violate the FCRA and have caused unfair damage to my credit standing. I am requesting that your agency conduct a reasonable reinvestigation of this information and, based on the lack of accuracy and compliance with FCRA standards, remove this charge-off from my credit report.

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 2025-05-22 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: FL

Complaint narrative:
I am writing to express my serious concerns regarding several discrepancies I have discovered on my credit report. Upon reviewing it, I identified numerous inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I urgently seek your support in addressing them.

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 2025-05-22 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 am writing to express my serious concerns regarding several discrepancies I have discovered on my credit report. Upon reviewing it, I identified numerous inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I urgently seek your support in addressing them.

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 2025-05-22 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: TX

Complaint narrative:
I have disputed these accounts on multiple occasions with the XXXX bureaus, and the response continues to comeback verified and/or updated. The last round of disputes I sent to XXXX XXXX XXXX XXXX included the information I had that was not the information showing on my reports. All XXXX Bureaus released all my personal information as well as the information reporting. The collection agency obviously tried to update using my documents, but they still reported incorrect information. Such as, Date closed XXXX ( inaccurate ), I WASN'T EVEN BORN YET! XXXX. The agency also deleted the collections from XXXX but re-reported the sane debt after they had received the documents, I sent showing the deletions. Same as XXXX XXXX XXXX, some items were deleted then resubmitted on my reports after they saw the had been deleted previously. Accounts from XXXX LVNV # XXXX ... $ XXXX XX/XX/XXXX. Resubmitted XX/XX/XXXX different dates. LVNV # XXXX ... $ XXXX XX/XX/XXXX, XXXX XXXX  ) reentered XX/XX/XXXX. LVNV # XXXX ... $ XXXX XX/XX/XXXX ( XXXX  ) reentered XX/XX/XXXX. Furthermore, this new LVNV account is not correct either LVNV # XXXX ... {$530.00}.

Company response to consumer: Closed with explanation