vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
1. Payment History vs. Last Payment Date Discrepancy : The report states the last payment was on XX/XX/XXXX, yet the payment history for XXXX  through XXXX  shows no updates or datanot even missed payments. 
Issue : This creates a data gap and contradicts standard reporting requirements under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and up-to-date reporting. 



2. Account Open Date vs. Term Account Opened : XX/XX/XXXXXXXX  Term : 80 months ( approx. 6 years, 8 months ) Expected Payoff Date : XX/XX/XXXXXXXX  Discrepancy : Despite the account being over 3 years past its expected payoff, it still shows an active balance of {$16000.00} and a status of Charge-off, but does not indicate the date of charge-off or account closure. 
Issue : The account should reflect whether it was officially closed and charged-off, especially if no payments have been made since XXXX. 



3. Youve made 1 % of payments on time Discrepancy : This suggests only 1 payment was ever made on time for an 80-month loan. However, the payment breakdown shows only one instance of each : 30, 60, and 90+ days late, which does not align with such a low on-time payment rate. 
Issue : Inconsistent logic between delinquency record and on-time payment percentage. 



4. Missing Monthly Payment Info Discrepancy : The monthly payment amount is listed as No Info.

Issue : Credit reports should reflect original monthly payment terms for auto loans. Absence of this data may affect credit scoring models and evaluation. 



5. Account Status vs. Charge-Off Discrepancy : Account is marked as Derogatory with a Charge-off and Profit and loss write-off remark, yet the balance of {$16000.00} is still being reported. 
Issue : Once an account is charged off and marked as a profit and loss write-off, the balance may remain for reference, but it should be clearly noted that it is not actively being collected unless sold or transferred. Theres also no mention of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: IL

Complaint narrative:
am disputing the KIKOFF LENDING LLC account ending in XXXX reporting as charged off with a {$240.00} balance. Under the Fair Credit Reporting Act ( FCRA ) 605, 607 ( b ), 609, and 611, I have the right to accurate, verified, and timely information on my credit report. 
I demand KIKOFF LENDING provide full validation of this debt and a proper investigation by the credit bureaus. If they fail to verify or if the reporting violates the 7-year rule, I want this account removed completely from my credit report. 
Reporting unverified or inaccurate info is a violation of my rights under the FCRA, and I expect this corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies such as unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies such as unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: PA

Complaint narrative:
I do not have a contract with XXXX XXXX. They did not provide me with any evidence of a contract as required by law. I demand this account be deleted from my credit report. Doctrine of Aspottol there is no evidence of a debt, so there for no debt 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Debt Buyer Account XXXX XXXX XXXX  To Whom It May Concern, This correspondence serves as a formal dispute of a debt buyer account currently reported by XXXX XXXX XXXX on my consumer credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ( including 1681s-2 ( b ) ), the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( including 1692e and 1692g ), and CFPB Regulation F ( 12 CFR Part 1006 ), I hereby demand the immediate deletion of this account from all internal records and all consumer reporting agencies. 

XXXX XXXX XXXX, as a debt buyer, is reporting a tradeline that raises substantial legal concerns regarding the accuracy, legitimacy, and enforceability of the alleged debt. Federal law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully verifiable. As a debt buyer, XXXX XXXX XXXX is obligated to maintain and produce comprehensive documentation substantiating the validity of this accountincluding the original account agreement bearing my signature, a complete and unbroken chain of title evidencing legal ownership of the debt, a full transaction and payment history, and a precise calculation of any alleged outstanding balance. 

Absent such substantiation, continued reporting of this account constitutes a violation of the FCRA, FDCPA, and implementing CFPB regulations. The practice of reporting unverifiable or unsubstantiated debt buyer accounts is unlawful, deceptive, and contrary to the requirements set forth by federal consumer protection law. Accordingly, I demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this a direct and formal request for deletion under the FCRA, FDCPA, and CFPB Regulation F. If XXXX XXXX XXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I respectfully request that the CFPB take all necessary measures to ensure my consumer rights are protected and that XXXX XXXX XXXX reporting practices are brought into full compliance with all applicable federal statutes and regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Debt Buyer Account XXXX XXXX XXXX  To Whom It May Concern, This correspondence serves as a formal dispute of a debt buyer account currently reported by XXXX XXXX XXXX on my consumer credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ( including 1681s-2 ( b ) ), the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( including 1692e and 1692g ), and CFPB Regulation F ( 12 CFR Part 1006 ), I hereby demand the immediate deletion of this account from all internal records and all consumer reporting agencies. 

XXXX XXXX XXXX, as a debt buyer, is reporting a tradeline that raises substantial legal concerns regarding the accuracy, legitimacy, and enforceability of the alleged debt. Federal law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully verifiable. As a debt buyer, XXXX XXXX XXXX is obligated to maintain and produce comprehensive documentation substantiating the validity of this accountincluding the original account agreement bearing my signature, a complete and unbroken chain of title evidencing legal ownership of the debt, a full transaction and payment history, and a precise calculation of any alleged outstanding balance. 

Absent such substantiation, continued reporting of this account constitutes a violation of the FCRA, FDCPA, and implementing CFPB regulations. The practice of reporting unverifiable or unsubstantiated debt buyer accounts is unlawful, deceptive, and contrary to the requirements set forth by federal consumer protection law. Accordingly, I demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this a direct and formal request for deletion under the FCRA, FDCPA, and CFPB Regulation F. If XXXX XXXX XXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I respectfully request that the CFPB take all necessary measures to ensure my consumer rights are protected and that XXXX XXXX XXXX reporting practices are brought into full compliance with all applicable federal statutes and regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below.

Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 16810.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below.

Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 16810.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below.

Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 16810.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have XXXX date on report that are not main. XXXX for XXXX and the other for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never signed up for EXPERIAN XXXX XXXX and I've been charged for two months of {$24.00}. I want this amount credited back to my credit card on file. After research, I discovered that Experian is notorious for pushing people into this membership without their knowledge. Under the Fair Credit Billing Act, I am disputing these unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information in my credit file. The item in question is a fraud case, I never opened this account for me to have this inquiry.

1. NCB MANAGEMENT SERVICES XX/XX/year> {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Which has violated my rights 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 wrong, they can not report it to a CRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CT

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and its affiliate Resurgent Capital Services for what I believe are willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX credit reporting standards. This account ( ending in XXXX ) has been reporting to the credit bureaus monthly from XX/XX/XXXXXXXX  through XX/XX/XXXX as a collection with a static balance of {$130.00}. Despite no payment activity or changes, it is continuously updated with a derogatory XXXX  status and remark codes like XXXX. This practice appears designed to mislead credit scoring models and extend derogatory impact long past what is accurate or fair. Violations and Consumer Harm : 1. Re-aging of Debt ( FCRA 1681c ) The continued monthly updating of this account gives the impression that the delinquency is recent, despite originating in XXXX. This behavior falsely extends the time this item appears active, potentially resetting the 7-year statute for reporting. This re-aging tactic is a clear FCRA violation and artificially suppresses my credit score. 2. Inaccurate and Misleading Reporting ( FCRA 1681e ( b ), 1681s-2 ( b ) ) Reporting the same debt repeatedly without any new activity or verification misrepresents its current status. The account is not being reported with maximum possible accuracy as required under FCRA 1681e ( b ). 3. Violation of XXXX XXXX Guidelines XXXX XXXX standards explicitly caution against repeated monthly reporting of a collection status without new activity. This account was charged off and placed for collection years agoyet it continues to be re-reported each month without change. 4. Lack of Proper Debt Validation ( FDCPA 809 ( b ) ) I have not been provided with any original signed agreement or sufficient legal documentation showing I am liable for this debt. LVNV Fundings failure to provide adequate validation while continuing to report the account is a direct FDCPA violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Subject : Debt Validation Request Request for Assignment Contract To Whom It May Concern, I am writing in response to a collection notice received from your company, or in relation to an account you claim I owe. This letter is a formal request for validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. Validation of the debt, including the amount of the alleged debt and a breakdown of all fees and interest.

2. The name and address of the original creditor, and the original account number associated with the debt.

3. A copy of the original signed contract or agreement that legally obligates me to the alleged debt.

4. A complete chain of title for the debt, including : The assignment or transfer agreement from the original creditor Any other documentation showing legal authority to collect this debt.

Until this information is provided, I will consider this matter to be in dispute, and I request that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please note that any attempt to collect on this account without proper validation may be a violation of the FDCPA and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
Hello! I was wonderin if u could assist in gettin some items removd from my file. Everything I want remved can be found in the report. I have some idntity theft problems, and I sure didnt give it permission to make that charge. Itd be great if we can have those items remved from my credit report as soon as possible. I have already reported identity theft to the FTC, and I've attached copies of their Identity Theft Affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I made a {$550.00} payment in XX/XX/year>. The company notified me saying the payment had not been receivrd and was late. I looked it up an had proof from my online banking acciunt that payment had been received and processed. I contacted the co again and told them. They said they would have to hsve proof from the bank. The offending co reversed the payment and added it back to my balance in XXXX of XXXX  without notifying me that they had done it. I happened to find it on my statement. I contacted my bank and asked for the proof of payment info. They sent it to me and I faxed it to the offending company. They claimed they didnt receive it and asked me to send it again. What for? They would just say they havent received it like they are saying they havent received the {$550.00} payment. I even have proof with emails they sent to me saying that the payment was received and processed on XX/XX/XXXX. In the meantime they are calling me, harassing me 3 or 4 times a day starting early in the morning until late in the evening. I am elderly with XXXX XXXX, XXXX, and XXXX and do not need the stress of this continual harassment. I have already filed with the XXXX  and am contemplating litigation. I want my payment to BestBuy confirmed and all the interest they have charged me removed from my balance, because I do not owe it.

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