vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Final Attempt to Resolve Ongoing Credit Reporting Errors Noncompliance by All Three Major Credit Bureaus I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to investigate and correct multiple inaccuracies on my credit report. Despite submitting multiple disputes, the credit bureaus have not taken corrective action or provided a legally sufficient response in accordance with the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting proper investigations, the bureaus have responded with generic verified results, yet they failed to provide the legally required " method of verification '' under XXXX XXXX. XXXX ( a ) ( XXXX ). This ongoing pattern constitutes a direct violation of both XXXX ( a ) ( failure to conduct a proper reinvestigation ) and XXXX ( b ) ( failure to maintain reasonable procedures to ensure maximum possible accuracy ). 

Disputed Items Still Unresolved : Incorrect Personal Information : Alias : XXXX, XXXX, XXXX This is not my name and should not be listed Previous Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Not my address Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Not my address Employer : XXXX XXXX XXXX  Not accurate Employer XXXX XXXX XXXX XXXXXXXX XXXX Not accurate Inaccurate or Unverifiable Account Reporting : Charge Off XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Duplicate Charge Off XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Summary of Bureau Noncompliance : Despite multiple prior disputes, none of the bureaus have provided XXXX XXXX specific method and process used to verify the above accounts The full name, title, and contact details of the furnishers involved Any supporting documentation that was used to validate the disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint against LVNV Funding LLC, Resurgent Capital Services, and their third-party agent XXXX XXXX for XXXX violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I formally disputed the reporting of this alleged debt with TransUnion. Despite my dispute, LVNV Funding verified the tradeline as accurate. This verification was patently false. Under FCRA 1681s-2 ( b ), a furnisher must conduct a reasonable investigation when notified of a consumer dispute. In XXXX v. XXXX XXXX, XXXX, the XXXX XXXX confirmed that account-level documentation is required to constitute a proper investigation. LVNV has produced no such documentation, making verification legally impossible. 

Compounding the violations, LVNV Funding purchased this account as part of a bulk portfolio of defaulted debt, meaning they did not receive the original account-level documentation. Further, XXXX XXXX XXXX  securitized this account and assigned it to a trust, which raises serious questions as to whether LVNV Funding ever obtained legal ownership or the right to collect. 

On XX/XX/year>, I received a collection email from XXXX XXXX demanding payment on behalf of LVNV. This creates a chain-of-title conflict and raises the risk of double collection, in violation of FDCPA 1692e ( 2 ) ( A ). It is materially misleading to represent LVNV as the rightful owner while a separate third-party simultaneously attempts to collect.

LVNV Fundings continued reporting and collection efforts without proper validation and documentation constitute willful noncompliance with the FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/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 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 2025-07-29 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
CFPB Complaint Draft Against Equifax Issue Type : Incorrect information on your credit report Identity theft-related and investigation issues.

Company : Equifax What is the problem?

I am the victim of identity theft. Equifax has failed to correct fraudulent and inaccurate information after multiple disputes, and has not complied with the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, and 607 ( b ).

Details of the Complaint : Ive filed several disputes and complaints with the CFPB regarding inaccurate personal information, fraudulent tradelines, and severe errors on my Equifax credit report. Despite sending detailed documentation and following the dispute process, Equifax has failed to take corrective action and continues to report false and unverifiable information. 

Complaint History & Timeline : Complaint # XXXX : Submitted XX/XX/year> Closed XX/XX/year> Non-monetary relief Complaint # XXXX : Submitted XX/XX/year> Closed XXXX XXXX, 2025 Non-monetary relief Complaint # XXXX : Submitted XX/XX/year> ( phone ) Closed XX/XX/year> Non-monetary relief Despite these cases, Equifax has failed to remove fraudulent accounts or correct disputed information. 

Violations & Failures : XXXX. Failure to Block Fraudulent Information ( 605B / 1681c-2 ) : Equifax has failed to block tradelines after I submitted : FTC Identity Theft Reports Police Report ( Case # : XXXX ) Written affidavits and self-attestation More than four ( 4 ) business days have passed, and these fraudulent accounts remain.

2. No Method of Verification ( 611 / 1681i ( a ) ( 7 ) ) : I requested Method of Verification ( MOV ) multiple times. Equifax never provided : Whether the investigation was manual or automated ( e.g., via e-OSCAR ) The documentation used Who reviewed the dispute or verified the accuracy Any sworn affidavits or original contracts This violates FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have noticed a late payment being reported on my credit file from a company named XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing both my credit report and the documentation provided by XXXX XXXX, I discovered that my name is misspelled in their records.

Because this information is not accurately matched to my legal identity, it is unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that all data furnished to credit reporting agencies be reported with the maximum possible accuracy. As such, this reporting error constitutes a violation of my consumer rights, and the late payment should be immediately removed from my credit report.

I have attached documentation directly from XXXX XXXX showing the incorrect spelling of my name, which supports this claim.

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 2025-07-29 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: IN

Complaint narrative:
I have noticed a late payment being reported on my credit file from a company named XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing both my credit report and the documentation provided by XXXX XXXX, I discovered that my name is misspelled in their records.

Because this information is not accurately matched to my legal identity, it is unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that all data furnished to credit reporting agencies be reported with the maximum possible accuracy. As such, this reporting error constitutes a violation of my consumer rights, and the late payment should be immediately removed from my credit report.

I have attached documentation directly from XXXX XXXX showing the incorrect spelling of my name, which supports this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
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. 

XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Repeated Failure to Investigate and Correct Inaccurate Late Payment Reporting I am filing this formal complaint against XXXX, Equifax, and XXXX  due to their continued and unlawful failure to resolve an ongoing dispute regarding inaccurate late payment reporting on my credit file. 

This is now my third formal attempt to address the same issue. I initially submitted a dispute over XXXX XXXX XXXX, followed by a second submission, yet I have not received any valid documentation or verifiable evidence proving the legitimacy of the reported late payment. The inaction and generic responses violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). 

This dispute is being submitted directly by me, XXXX XXXX XXXX XXXX and not through any third party. Under federal law, I have the right to expect the information maintained in my consumer file to be accurate, verifiable, and complete. 

Disputed Account : Late Payment ( Open ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Legal Basis for Dispute : This XXXX constitute a billing error under 15 U.S. Code 1666 ( b ) due to one or more of the following : Failure to correctly post or credit a timely payment Computation or accounting errors by the creditor Failure to send a billing statement XXXX XXXX  prior to the due date, making the late payment report legally invalid Despite citing these issues in my previous communications, the bureaus have not : Provided any documentary evidence supporting the late payment Supplied the method of verification Identified the furnishing party or their contact details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2025-07-29 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-29 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: OK

Complaint narrative:
Uplift Inc. charged off and sold my account to XXXX XXXX in XX/XX/XXXX. I paid the full balance to XXXX XXXX. Despite this, Uplift continued reporting a balance for months after the sale and is now reporting the account as a Paid Charge Off with a manipulated last updated date of XX/XX/XXXX. This is misleading and appears to be an attempt to extend the 7-year credit reporting period, which violates the FCRA. They also failed to mark the account as sold or transferred. I am requesting the full deletion of this account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Request for Debt Validation Under the FDCPA To Whom It May Concern, I am writing to formally request validation of an alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently discovered that your company is reporting a debt under my name to the credit reporting agencies. I am unaware of any debt that I legally owe to your organization or the original creditor, and I believe this may be the result of incorrect or unlawfully obtained information.

Please provide the following documentation : The name and address of the original creditor A full itemization of the alleged debt, including the principal and any interest, fees, or other charges Proof that you are legally authorized to collect this debt A copy of any agreement bearing my signature that evidences my responsibility for the debt The date of default and how this debt was calculated Until this debt is properly validated, I am formally requesting that you cease collection efforts and stop reporting this item to the credit bureaus. Any further reporting of this account may be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please respond within 30 days of receipt of this letter. If you are unable to provide adequate proof, I request that the item be removed from my credit report immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an account reported by Collection Management to my credit report through XXXX  on XX/XX/year>, with a balance of {$790.00}. 

I do not recognize this debt, and I have not received any proper documentation from Collection Management to validate the alleged account. As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I sent a formal debt validation request to the collection agency, requesting full verification and proof of the debt. To date, they have failed to respond with any legally required documents to substantiate the claim. 

Despite this, the account remains reported on my XXXX  credit file, negatively affecting my credit standing. I believe this is a violation of federal consumer protections, as I have made a lawful request for validation, and the agency is continuing to report the debt without verifying its accuracy. 

I am requesting that the CFPB investigate this matter, ensure that Collection Management either produces valid and complete documentation or removes the account entirely from all credit reporting agencies. I am also requesting a cease in all collection activities until validation is provided. 

I am prepared to provide copies of my validation request, credit report screenshots, and any further documentation needed.

Company response to consumer: Closed with explanation