vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of an account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/XXXX I received notification from the credit bureau ( XXXX  ) in reference to an alleged balance of {$4200.00} from LVNV funding. This will now be the second encounter regarding this matter with LVNV funding. I have no idea of what or where this alleged bill come from nor have I signed an agreement with either parties. At this time, I am requesting documentation with my signature of agreement with either parties. LVNV funding has indicated on this attached letter that no information has been reported to the bureaus yet XXXX  has notified me otherwise. LVNV funding has quiet a history in terms of violating the rights of the consumers. Per the Fair Credit Reporting Act ( FCRA ) you can not report information on a consumers credit profile without providing a signed agreement as requested above. Please provide this information. Also, at this time, it is my right per the FDCPA, to cease and desist all communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX received a request to open a checking account in my name XX/XX/year> THIS IS FRAUD IDENTITY THEFT Police case number reported to XXXX XXXX XXXX police case XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 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: GA

Complaint narrative:
Inaccuracies reported by XXXX for over 27 months up-to-date includes : Reporting full termination while also showing the account as open/in good standing.

Listing a balance exceeding {$15000.00} with {$0.00} payments for over 27 months after lease return, up-to-date Failing to report Date Closed, {$0.00} balance, and correct Account Status Code as required for terminated leases.

Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information you know or have reason to believe is inaccurate. Under 623 ( a ) ( 2 ), you are required to investigate and correct or delete any inaccurate information within 30 days of receipt of this dispute. 



If you can not provide documented proof validating the accuracy of each data field, you must immediately delete the tradeline from all consumer reporting agencies and notify them of the deletion. 



XXXX needs to provide the folowing : A complete payment history showing how the current balance is being calculated. 

Documentation supporting the continued balance after lease termination. 

Confirmation that your Metro 2 coding for this account complies with the CDIA guidelines.

Failure to correct or delete will result in a complaint to the CFPB, FTC, and my State Attorney General, and I will pursue legal remedies for willful noncompliance

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccuracies reported by XXXX for over 27 months up-to-date includes : Reporting full termination while also showing the account as open/in good standing.

Listing a balance exceeding {$15000.00} with {$0.00} payments for over 27 months after lease return, up-to-date Failing to report Date Closed, {$0.00} balance, and correct Account Status Code as required for terminated leases.

Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information you know or have reason to believe is inaccurate. Under 623 ( a ) ( 2 ), you are required to investigate and correct or delete any inaccurate information within 30 days of receipt of this dispute. 



If you can not provide documented proof validating the accuracy of each data field, you must immediately delete the tradeline from all consumer reporting agencies and notify them of the deletion. 



XXXX needs to provide the folowing : A complete payment history showing how the current balance is being calculated. 

Documentation supporting the continued balance after lease termination. 

Confirmation that your Metro 2 coding for this account complies with the CDIA guidelines.

Failure to correct or delete will result in a complaint to the CFPB, FTC, and my State Attorney General, and I will pursue legal remedies for willful noncompliance

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 2025-08-10 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: AL

Complaint narrative:
Upon reviewing my credit report. I notice a late payment listed onXXXX XXXX XXXX that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

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 2025-08-10 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: NY

Complaint narrative:
I am disputing LVNV Funding LLCs right to collect on an account they purchased from WebBank. While I acknowledge the original account with WebBank, LVNV Funding has not provided proper documentation proving they have the legal right to collect it or that the balance they claim is accurate. 

On XX/XX/year>, and XX/XX/year>, I sent written requests by email and regular XXXX Mail requesting validation under the FDCPA and New York XXXX. I specifically requested : the original signed contract/application, and an account summary report prepared by Resurgent Capital Services . 

On XX/XX/year>, their servicer, Resurgent Capital Services, sent a letter claiming to have enclosed the signed contract/application. However, no such document was included only old account statements, and a account summary report that was prepared by resurgent Capital service attached to this complaint. This does not meet the legal requirements for validation. 

Despite failing to provide proper validation, they continue to report this account to credit bureaus and have not responded to my settlement offer. 

WebBank is listed only as the original creditor for informational purposes ; they sold the account and are no longer involved in collections. 

I am requesting the CFPB compel LVNV Funding LLC to either : XXXX. Provide the original signed agreement and full payment history, or XXXX. Cease all collection activity and remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX XXXXetter signed by other required documents that verifies me. I kindly request that you block t

his information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I learned through checking my credit score that my credit had dropped significantly because XXXX had been saying I was late on payments since XXXX of XXXX. From XXXX to XXXX I had no emails regarding my XXXX  loans I also didnt even have an account set up so, I got ahold of them and they said that they couldnt do anything to change it so I got ahold of trans union and they told me to get ahold of the department of education XXXX So I did and they informed me that they werent showing any delinquencies on my account. So after that I filed a dispute through trans union I also filed a credit retraction. Im in the process of trying to buy a house and this has been a very big bump in the road. Any help would be appreciated.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is personal information on my credit report that is incorrect and outdated. Please remove these random misspelled names. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also incorrect addresses on my credit report that I have never lived at or may belong to a relative. My current address is XXXX XXXX XXXX XXXX OH XXXX see attached

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 2025-08-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX  XXXX Balance : {$21000.00} Late 60 days XXXX late 60 days XXXX and XXXX, XXXX, XXXX and XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX  XXXX Balance : {$21000.00} Late 60 days XXXX late 60 days XXXX and XXXX, XXXX, XXXX and XX/XX/year> 2024

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX, KS XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
Dear XXXX I am writing to formally dispute several unauthorized and/or inaccurate hard inquiries that appear on my credit report. I recently reviewed my credit report and noticed multiple inquiries that I did not authorize, nor did I initiate any applications for credit with the listed companies during the noted dates. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries that were authorized by me or made in connection with a credit transaction I initiated should appear on my credit report. I am requesting that the following inquiries be investigated and removed if they are found to be unauthorized or inaccurately reported : Inquiry Details : 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 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 XXXXXX/XX/year> I kindly request that you investigate these inquiries and remove any that are found to be unauthorized or inaccurately listed. Please send me written confirmation of the results of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party collectors. I have no contractual relationship with these collectors. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and 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 explanation
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation