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

Complaint narrative:
XXXX XXXX XXXX ( last XXXX ) : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Response to Dispute Results and Request for Further Investigation Dear Equifax Dispute Department, Thank you for your recent response to my complaint submitted via the Consumer Financial Protection Bureau ( CFPB ). However, your response is unsatisfactory and fails to address the specific nature of my dispute. 

I did not merely request verification of ownership of the accounts listed. I specifically disputed the legitimacy, relevance, and aging of information that should no longer be reported per the Fair Credit Reporting Act ( FCRA ), which limits the reporting of negative information such as charge-offs and collections to seven years from the date of first delinquency. 

Many of the accounts listed in your response including but not limited to trade lines with XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX  reflect dates well beyond the seven-year reporting period. I am requesting a detailed explanation of : 1. The date of first delinquency used to determine the reporting window for each account.

2. The legal basis for continuing to report these accounts if the date of first delinquency is earlier than XX/XX/XXXX. 
3. The method of verification used to verify these accounts as accurate.

4. A copy of the results and records provided by the furnishers, including documentation showing the basis for continued reporting. 

The FCRA requires not only that consumer reporting agencies verify ownership of accounts but that they also verify the accuracy, completeness, and timeliness of information reported. A generic response such as verified as belonging to you without addressing the age of the tradeline or compliance with reporting limits is insufficient. 

At this time, I am requesting that Equifax : Delete any account information that exceeds the seven-year reporting limit, Provide a corrected copy of my credit report, and Submit updated information to any third parties who received the erroneous data in the last six months. 

If you fail to properly investigate and resolve this matter, I am prepared to escalate my complaint to the FTC, State Attorney General, and pursue other legal remedies as allowed under the FCRA and FACTA. 

I expect a response within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported fraud alerts on all 3 bureaus and they still had someone unlocked my account I have so many inquiries on my report its really intimidating and scary

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 2025-07-06 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: NY

Complaint narrative:
XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX, MN XXXX Formal Dispute and Request for Immediate Correction of Inaccurate Credit Reporting Account Identification Number : XXXX To Whom It May Concern, I am submitting this formal dispute to XXXX XXXX XXXX XXXX in conjunction with a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) previously regarding inaccurate and damaging credit reporting tied to my account. 

On XX/XX/XXXX, I initiated a payment in the amount of {$220.00} from my XXXX XXXX XXXX Account ending in XXXX toward my XXXX XXXX XXXX. This account was active, well-funded, and in good standing at the time of the transaction. A formal letter from XXXX is attached, confirming that the payment was made and that the failure to post the transaction resulted from a processing error on the banking network side, not from any action or error on my part. 

Despite my timely effort to satisfy my account, XXXX XXXX XXXX XXXX reported a late payment for XX/XX/XXXX, which remains on my credit report and continues to negatively affect my credit standing. 

Additionally, I was inaccurately reported as late in XX/XX/XXXX. Although this reporting was later corrected, it resulted in a credit score drop of over XXXX points, which has not been restored. This unjustified damage has interfered with my ability to secure a mortgage loan, despite maintaining a responsible credit history across multiple accounts. 

Importantly, I have since paid off the entire balance of this credit card as of XX/XX/XXXX, reaffirming my financial responsibility and good faith effort to maintain my account in excellent standing. This is truly hurting my credit and I am unable to finalize the purchase of my new home because of this error. 

Accordingly, I respectfully request the following corrective actions : The immediate removal of the late payment entry for XX/XX/XXXX from all credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates the reporting of only accurate and verifiable data A full internal review of my account and written confirmation that no other derogatory information remains associated with it Notification to XXXX, Equifax, and XXXX  reflecting updated and accurate account status. 

I would also like to note that XXXX XXXX XXXX XXXXXXXX has faced similar complaints in the past regarding late payment reporting and account handling issues, as documented in CFPB complaint data. These patterns suggest a need for systemic review and accountability. 

Please consider this a formal dispute under federal law and respond within the FCRAs 30-day dispute resolution timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I was in XXXXXXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX when account was opened. I have no knowledge or this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
Experian is knowingly reporting false and fraudulent credit information that is the direct result of identity theft. Despite sending multiple disputes, along with a police report and identity theft affidavit, Experian continues to publish : A fraudulent XXXX  XXXX account with an incorrect balance and payment history Several U.S. Department of Education accounts with fabricated data Late payments tied to accounts that were never legally authorized Experian is also listing inaccurate personal identifiers and old addresses, contributing to confusion and further abuse of my credit identity.

This constitutes a direct violation of : 15 U.S. Code 1681c-2 ( a ) ( 3 ) : Failure to block fraudulent accounts after ID theft 15 U.S. Code 1681e ( b ) : Reporting of false personal information 15 U.S. Code 1681i : Inadequate reinvestigation of disputes I am requesting permanent deletion of all fraudulent and inaccurate items, as mandated by law, and enforcement of compliance through the CFPB.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
List of accounts below as violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 
DriveTimXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian, Transunion, and Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual aboutwhom the report relates ( 15 USC 1681 ( e ) ( b ). Further, under 15 USC 1681 ( 5 ), they are required to do the following ( 15 ) treatment of inaccurate or unverifiable information disputed by a consumer, if an item of information is found to be inaccurate or incomplete.

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 2025-07-05 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: GA

Complaint narrative:
List of accounts below as violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 
DriveTimXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian, Transunion, and Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual aboutwhom the report relates ( 15 USC 1681 ( e ) ( b ). Further, under 15 USC 1681 ( 5 ), they are required to do the following ( 15 ) treatment of inaccurate or unverifiable information disputed by a consumer, if an item of information is found to be inaccurate or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
XXXX XXXX requested to have inaccurate information removed from my credit report from experian, transunion , equifax . 

XXXX XXXX requested to have collections removed for incorrect information on my credit reports from equifax , experian, transunion XX/XX/year> requested names that are not me to be removed from my credit report on experian

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 2025-07-05 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: FL

Complaint narrative:
XXXX XXXX requested to have inaccurate information removed from my credit report from experian, transunion , equifax . 

XXXX XXXX requested to have collections removed for incorrect information on my credit reports from equifax , experian, transunion XX/XX/year> requested names that are not me to be removed from my credit report on experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint against Discover due to their mishandling of XXXX billing disputes I submitted concerning a total of {$2500.00} in charges made to XXXX XXXX, also known as XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX that failed to deliver on its clearly advertised and contractually promised results. 
I paid for the service in installments using my Discover card, and the company promoted a XXXX XXXX XXXX  within XXXX months or full refund guarantee. This guarantee was featured publicly on their website and XXXX ads ( screenshots provided ) and reiterated in their written contract. 
Despite strictly following the program, I did not achieve the promised return. Around the XXXX mark, the company acknowledged underperformance and offered an additional XXXX term with no additional charge and a renewed refund guarantee. When the XXXX term concluded and I still had not earned back the program fee, I contacted the company to request a refund. They responded by removing me from the service ( Discord ), taking down their website, and ending communication. 
I submitted detailed documentation to Discover, including : Screenshots of the public refund guarantee Email correspondence acknowledging underperformance and extended refund promise Evidence of removal from their platform and discontinued service Proof their website was taken down Despite this clear documentation showing non-performance, breach of contract, and failure to deliver services, Discover denied both disputes without adequately addressing the merchants fraudulent conduct or misrepresentation. 
To make matters worse, Discovers response appeared to rely on updated terms and policies the company imposed XXXX, which were not in effect when I enrolled. Discover ignored my evidence that the original terms were altered after purchase.

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

Complaint narrative:
My credit report has different names that are not my name

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

Complaint narrative:
My credit report has different names that are not my name

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I had the same telephone number for a decade. I JUST changed it after sustaining an injury and losing my number because they reassigned it to someone else when I was dealing with my injury. So with no possible way for them to have my number I recieved a call from a XXXX when I called the XXXX number on the website to verify this call wasnt spam because they immediately started phishing without even having a way to get my number I asked for a XXXX because the XXXX said they didnt have a way to verify when they have to. The XXXX sounded like she was on XXXX and XXXX, didnt have communication skills, didnt stay on topic, and didnt have any problem solving abilities. I then asked for her XXXX  because XXXX tired of pushing and spam calls when XXXX a serious serious victim and XXXX tired of talking to people that dont qualify to work and arent adults. XXXX like all I need to do is verify this number and she has literally no problem solving abilities the one who had to TELL HER well when this happens you verify the number and file a police report or report it to yours ongoing department if its not your call and you cant verify the associate that called me. I shouldnt telling HER that thats all stuff she should be telling ME and she should be offering ME all the things she can do when she didnt even stay on topic Do just BSing her way through this entire conversation like shes never ha d day of education in her life Solves nothing Probides no information AND doesnt even figure out a way for her manage or XXXX to authority figure to call me back to verify this number and if its a phishing attempt, scam, or other crime I was like you do NOT qualify to be working and you do NOT qualify to be in management ANYWHERE just because of the way you sound and the conversation we just had ALONE is enough where you shouldnt be working AT ALL!! Anyway, I still havent verified this number or that its NOT a scam and I shouldnt talk to people espcially in XXXX  that sound like theyre on XXXX XXXX them people do NOT move that slowly talk that slowly or sound that dark and gloomy or stay off topic or have no education something is WRONG!! ANYWAY XXXX trying to verify phasing and cramming because XXXX a victim whos trying not to be a victim anymore I cant do that if I talk to someone that bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Subject : Cease and Desist Communication Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Reference ID : XXXX Dear Sir or Madam, I am writing in response to your Notice of Assignment dated XX/XX/year>, regarding the alleged debt associated with the above-referenced account, which you claim LVNV Funding LLC acquired from XXXX XXXX, XXXX, effective XX/XX/year>. Your notice states that this communication is not an attempt to collect a debt and is solely to inform me of the accounts ownership. Regardless of this disclaimer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to demand that you, Resurgent Capital Services L.P., LVNV Funding LLC, and any associated sub-servicers or agents immediately cease and desist all communications with me regarding this alleged debt. 

This includes, but is not limited to, phone calls, letters, emails, text messages, or any other contact directed to me, my family, my employer, or any third parties. Any further communication, beyond what is legally required in response to my separate debt validation request, will be considered harassment and a violation of the FDCPA, for which I will seek legal remedies, including statutory damages, actual damages, and legal fees. 

As previously communicated, I have requested validation of this alleged debt, including the forward flow agreement or purchase and sale agreement governing the transfer of this account from XXXX  XXXX, XXXX, to LVNV Funding LLC. Until this debt is fully validated, I demand that you refrain from reporting or updating any information related to this account on my consumer credit reports with XXXX XXXX XXXX, or any other consumer reporting agency. If you report or cause this unvalidated account to be reported on my consumer credit reports, I will pursue legal action against you for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the FDCPA, seeking statutory damages, actual damages, punitive damages, and legal fees in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX New York XXXX 

Send any legally required written communications, such as responses to my debt validation request, to the address listed above. I am maintaining records of all communications and will pursue all available legal remedies if my rights are violated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a detailed dispute to Transunion on XX/XX/year>, requesting the deletion of numerous unauthorized inquiries. These inquiries appear on my report despite there being no permissible purpose for them, as outlined in 15 U.S.C. 1681b. I contacted the creditors involved, and none were able to produce a signed application, written consent, or any documentation establishing lawful access. Transunion has not complied with its legal obligations under the FCRA or Regulation V ( 12 C.F.R. 1022.43 ). I requested a manual investigation, referencing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX CFPB enforcement action against Transunion. Transunion continued reporting of these inquiries despite lacking verification represents a negligent and willful violation of my rights.

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 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
For the last 3 months Avant has been reporti g late payment past 30days to all 3 credit reporting company with giving me a chance to work my settlement down causing my score to decrese by XXXX points avant is not suppose do there business in the state of Missouri

Company response to consumer: Closed with explanation