vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Company Information Company : LVNV Funding LLC Type : Debt Collection Complaint Description I am filing this complaint to follow up on my previous submission to the CFPB dated XX/XX/XXXX, regarding LVNV Funding LLC. 

In that prior complaint, I requested that LVNV Funding LLC validate an alleged debt by producing the original contract signed in ink, along with proper documentation showing ownership of the account and a full accounting of the balance. To date, LVNV Funding LLC has failed to provide this documentation. 

Instead of addressing my request, LVNV Funding LLC has continued to send unwanted text messages to my personal cell phone about the alleged debt. I have never given consent for this company to contact me via text message. These communications are unwanted, intrusive, and harassing. 

This conduct appears to violate : The Fair Debt Collection Practices Act ( FDCPA ), for failing to provide proper debt validation and continuing collection efforts without proof of the alleged obligation. 
The Telephone Consumer Protection Act ( TCPA ), for sending text messages to my cell phone without prior express consent.

LVNV Funding LLCs refusal to provide the requested documentation while continuing to contact me demonstrates ongoing noncompliance. 



Resolution Sought I respectfully request that the CFPB : XXXX Review my original complaint filed on XX/XX/XXXX and note LVNV Funding LLCs continued failure to provide validation.

2. Investigate LVNV Funding LLCs practice of sending text messages in debt collection without consumer consent. 
XXXX. Require LVNV Funding LLC to produce the original contract signed in ink and full validation of the alleged debt before any further collection attempts are made.

4. Direct LVNV Funding LLC to cease all text messages, calls, and credit reporting activity until proper debt validation is provided.

5. Take appropriate enforcement action for violations of the FDCPA and TCPA. 


Supporting Evidence Copy of my original CFPB complaint filed XX/XX/XXXX. 
Screenshots of text messages received after that filing ( with dates and times ). 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported on my credit file. I did not authorize, open, or have any involvement with these accounts, and their presence is entirely inaccurate. These entries are misleading and have caused measurable harm to my creditworthiness and financial reputation.

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 2025-09-16 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: MS

Complaint narrative:
* * Subject : * * Dispute of Late Payment Reporting Hardship & Data Breach Concerns Dear \ [ Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX, My name is * * XXXX XXXX XXXX * *, and I am disputing two recent late payment entries that you have reported to the credit bureaus.

I respectfully request a review and removal of these late payment notations due to the following : 1. I recently experienced a * * financial hardship * * that temporarily affected my ability to pay.

2. There have been ongoing issues related to the * * data breaches at XXXX XXXX  * *, which have caused confusion and delays in accurate credit reporting. 
3

. Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * *, furnishers of information must ensure maximum possible accuracy when reporting to consumer reporting agencies. Reporting these late payments without considering the documented hardship and data breach issues violates this duty.

4. Additionally, under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e * *, any inaccurate or misleading representation of payment status is unlawful. 

Given these circumstances, I am requesting that both * * XXXX XXXX * * and * * XXXX XXXX * * conduct a proper investigation and remove or correct the late payment entries. I also ask that the * * Consumer Financial Protection Bureau ( CFPB ) * * review this matter to ensure compliance with federal law. 

I have maintained ongoing efforts to manage my accounts responsibly despite hardship, and these negative marks are unfairly damaging my credit profile. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
* * Subject : * * Dispute of Late Payment Reporting Hardship & Data Breach Concerns Dear \ [ Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX, My name is * * XXXX XXXX XXXX * *, and I am disputing two recent late payment entries that you have reported to the credit bureaus.

I respectfully request a review and removal of these late payment notations due to the following : 1. I recently experienced a * * financial hardship * * that temporarily affected my ability to pay.

2. There have been ongoing issues related to the * * data breaches at TransUnion and XXXX  * *, which have caused confusion and delays in accurate credit reporting.

3. Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * *, furnishers of information must ensure maximum possible accuracy when reporting to consumer reporting agencies. Reporting these late payments without considering the documented hardship and data breach issues violates this duty. 
4. Additionally, under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e * *, any inaccurate or misleading representation of payment status is unlawful. 

Given these circumstances, I am requesting that both XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX conduct a proper investigation and remove or correct the late payment entries. I also ask that the * * Consumer Financial Protection Bureau ( CFPB ) * * review this matter to ensure compliance with federal law. 

I have maintained ongoing efforts to manage my accounts responsibly despite hardship, and these negative marks are unfairly damaging my credit profile. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capitol one has sold my account and still reporting it XXXX will not send proof of ownership ship XXXX, XXXX  and XXXX  are reporting wrong information such as name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts currently listed on my credit report. I have never authorized, opened, or had any connection with these accounts. Their inclusion is inaccurate, misleading, and harmful, creating a false impression of my financial history and creditworthiness.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BK CT-XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
XXXX XXXXXXXX is reporting an account starting with. XXXX * * * * * * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX Account starting with XXXX * * * * * * * * * * * * XXXX XXXX XXXX Account Starting With 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 2025-09-16 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: CA

Complaint narrative:
XXXX XXXXXXXX is reporting an account starting with. XXXX * * * * * * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX Account starting with XXXX * * * * * * * * * * * * XXXX XXXX XXXX Account Starting With XXXX * * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint because of an unresolved credit reporting issue regarding an account listed as XXXX XXXX on my credit report.

I disputed this account with TransUnion because I have no knowledge of it and have never opened or authorized such an account. Despite my dispute, I received no proper results or verification. Instead, I was informed that dispute results were not provided, leaving this inaccurate account to remain on my credit report. 

This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to either verify the accuracy of an account within 30 days or remove it from my credit file. Since neither proper verification nor results were provided, I am requesting that this account be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681C-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-16 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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