vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This complaint is submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that TransUnion immediately block and delete the following fraudulent and unauthorized accounts from my consumer credit file. These accounts were not opened by me and reflect identity theft. TransUnion is legally required to act within four business days of receipt of this dispute.

The following accounts are inaccurately reported and must be removed : A student loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with a balance of {$74000.00} Furthermore, the account from XXXX XXXX XXXX appears to have been previously removed and reinserted onto my TransUnion credit report without proper notice or verification. This violates the reinsertion requirements under FCRA Section 611 ( a ) ( 5 ), which mandates that a consumer be notified and that the source of the information certify its accuracy before reappearance. No such notice was provided.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am also formally disputing both entries and demanding that TransUnion disclose the method of verification used and produce any physical documentation relied upon. If this evidence can not be provided, continued reporting constitutes prima facie fraudulent activity and must be rectified.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This complaint is submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Equifax immediately block and delete the following fraudulent and unauthorized accounts from my consumer credit file. These accounts were not opened by me and reflect identity theft. Equifax is legally required to act within four business days of receipt of this dispute. 

The following accounts are inaccurately reported and must be removed : A student loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$74000.00} A credit union loan with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$6700.00} Furthermore, the account from XXXX XXXX XXXX XXXXXXXX XXXX have been previously removed and reinserted onto my Equifax credit report without proper notice or verification. This violates the reinsertion requirements under FCRA Section 611 ( a ) ( 5 ), which mandates that a consumer be notified and that the source of the information certify its accuracy before reappearance. No such notice was provided.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am also formally disputing both entries and demanding that Equifax disclose the method of verification used and produce any physical documentation relied upon. If this evidence can not be provided, continued reporting constitutes prima facie fraudulent activity and must be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Date : XX/XX/year> To : Consumer Financial Protection Bureau I, XXXX XXXX XXXX XXXX, am filing a formal dispute through the CFPB against Equifax concerning four fraudulent accounts in collections and one unauthorized hard inquiry that have appeared on my credit report. I did not authorize, open, or initiate any of the following entries. These are the direct results of identity theft. 

the Accounts Fraudulent is : XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Unauthorized Hard Inquiry : XXXX XXXX Inquiry Date : XX/XX/year> These entries were made without my knowledge or consent. I never opened these accounts, nor did I authorize the listed inquiry. As a confirmed victim of identity theft, I am submitting this dispute along with my FTC Identity Theft Report and police report which legally triggers immediate obligations under federal law. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block and permanently delete all information that results from identity theft within four ( 4 ) business days of receiving appropriate documentation.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires deletion of identity-theft-related data within 4 business days. 
15 U.S.C. 1681b ( f ) : Prohibits inquiries or data access without authorization or permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report inaccurate or false data.

15 U.S.C. 1681XXXX : Mandates deletion of any unverifiable or disputed data. 

Attached Documents : FTC Identity Theft Report Police report Copy of government-issued photo ID Copy of Social Security card Proof of current address Identity Affidavit I demand the immediate and permanent removal of all listed accounts and inquiries. Additionally, I request that Equifax provide me with a free updated copy of my credit report reflecting the removal of the fraudulent information, as permitted under the FCRA for identity theft victims. 

Failure to comply will constitute a willful violation of federal law and will result in further legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NV

Complaint narrative:
These debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores. 

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores The following tradelines are being reported as negative for medical bills and must be removed immediately or I will file a civil lawsuit against you! 


The charge off accounts are : Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The late payments are : XXXX XXXX This debt is for medical bills and must be removed immediately or I will file a civil lawsuit against you! 

If you ignore this request or provide an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention and please know that this letter of dispute is now time stamped. 

In the event that you continue to list the disputed item on my credit report I will find it necessary to file a lawsuit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. 

I look forward to an uneventful resolution of this matter. 

Thank You in 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 2025-06-07 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: NV

Complaint narrative:
These debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores. 

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores The following tradelines are being reported as negative for medical bills and must be removed immediately or I will file a civil lawsuit against you! 


The charge off accounts are : Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The late payments are : XXXX XXXX This debt is for medical bills and must be removed immediately or I will file a civil lawsuit against you! 

If you ignore this request or provide an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention and please know that this letter of dispute is now time stamped. 

In the event that you continue to list the disputed item on my credit report I will find it necessary to file a lawsuit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. 

I look forward to an uneventful resolution of this matter. 

Thank You in 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 2025-06-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
I requested in writing to have PMI removed. My loan balance is well below 80 % at XXXX and house is valued at triple the original price but the refused to remove PMI

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 2025-06-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
I am filing a complaint because the creditor is reporting lines on credit on my account that a inaccurate and not verified Ive disputed this directly with the creditor and the business itself but the lines remain without proper documentation or verification. Under 15USC 1681 S 2 creditors must upload accurate information and the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative 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 2025-06-07 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: PA

Complaint narrative:
I am filing a complaint because the creditor is reporting lines on credit on my account that a inaccurate and not verified Ive disputed this directly with the creditor and the business itself but the lines remain without proper documentation or verification. Under 15USC 1681 S 2 creditors must upload accurate information and the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding llc is a fraudulent company that has showed up on my XXXX  credit report that doesn't belong to me. I have sent XXXX  a police report showing that this is identity theft and this account doesn't belong to me. XXXX  did not do a thorough investigation, within 3 Days they sent an email saying verified with no proof of verification. I even sent LVNVFunding LLC a letter asking them to send me a contract bearing my signature and they haven't! This nightmare has been going on for over a year now. I have excellent credit and this fraudulent account has caused me to loose out on many opportunities that require a great credit score. I need this account removed immediately from my XXXX credit report.

Company response to consumer: Closed with explanation