vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of 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 2025-11-12 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: NV

Complaint narrative:
b'I am submitting to dispute several inaccuracies that have appeared on my credit report, which I believe to be outdated, incorrect, or otherwise in violation of my rights under the Fair Credit Reporting Act (FCRA). After thoroughly reviewing my credit file, I have identified several issues that need to be corrected immediately.\nAs a consumer, I am exercising my rights under the FCRA, specifically under the sections outlined below, to ensure that my credit history reflects only accurate and relevant information.XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX  NY, 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 Remarks:This Is An Account In Good Standing\nXXXX XXXX XXXX XXXX XXXX Remarks:This Is An Account In Good Standing\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 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 XXXXnFCRA  605(a) (15 U.S.C 1681c): I request the removal of obsolete information, including bankruptcies and charge-offs that are no longer legally allowed to be reported on my credit file.\nFCRA  623(a)(5): I request that all furnishers of information accurately report the Date of First Delinquency (DOFD) and make sure that the reported information is correct and current.\nFCRA  604(a)(3): I am also disputing these hard inquiries based on a lack of permissible purpose for such inquiries, and I ask that they be removed if no valid reason for them is provided.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
b'I am submitting to dispute several inaccuracies that have appeared on my credit report, which I believe to be outdated, incorrect, or otherwise in violation of my rights under the Fair Credit Reporting Act (FCRA). After thoroughly reviewing my credit file, I have identified several issues that need to be corrected immediately.\nAs a consumer, I am exercising my rights under the FCRA, specifically under the sections outlined below, to ensure that my credit history reflects only accurate and relevant information.XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX  NY, 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 Remarks:This Is An Account In Good Standing\nXXXX XXXX XXXX XXXX XXXX Remarks:This Is An Account In Good Standing\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 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 XXXXnFCRA  605(a) (15 U.S.C 1681c): I request the removal of obsolete information, including bankruptcies and charge-offs that are no longer legally allowed to be reported on my credit file.\nFCRA  623(a)(5): I request that all furnishers of information accurately report the Date of First Delinquency (DOFD) and make sure that the reported information is correct and current.\nFCRA  604(a)(3): I am also disputing these hard inquiries based on a lack of permissible purpose for such inquiries, and I ask that they be removed if no valid reason for them is provided.'

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 2025-11-12 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am very frustrated that unauthorized inquiries are still listed on my credit report. I checked again this morning and nothing has changed even after refreshing the page. Please review the documents I submitted right away and fix this issue so I can finally stop stressing over 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding my solar loan originally issued by Sunnova Energy Corporation, which has recently been transferred to XXXX XXXX without my authorization or meaningful consent. 

I entered into this financing agreement with Sunnova based on their reputation, service standards, and clear communication at the time of signing. I have since been informedwithout prior consultationthat my loan account has been sold or assigned to XXXX XXXX. I strongly object to this transfer and do not wish to conduct any business or maintain any financial relationship with XXXX XXXX. 

I believe this transfer may have violated the consumer disclosure and notification requirements outlined under the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), as I did not receive sufficient advance notice or an explanation of how my rights and obligations were affected. 

Additionally, I have ongoing concerns about transparency, billing accuracy, and potential misrepresentation surrounding this transfer. I am requesting a full investigation into this matter to determine whether my rights as a consumer have been violated and to explore possible remedies, including preventing or reversing the transfer if found improper. 

Until this matter is resolved, I request that : No adverse action or credit reporting occur against me. 

All payment obligations and servicing activity be paused or held in abeyance pending the outcome of this review. 

I receive written confirmation from the responsible parties detailing the legality and terms of this loan sale. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and provide instructions for any further documentation you may need.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-11-12 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$170.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$580.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am sending to formally dispute multiple items on my credit report that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full reinvestigation of each item under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 1681i ). If any of the items listed below can not be verified as accurate, complete, and current, I request that they be deleted immediately in accordance with federal law. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$450.00} Date XXXX Date XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
never had a contract with this debt collector for any debt. '' With. Lvnv funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

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

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Both XXXX  and TransUnion have misrepresented the resolution of my dispute regarding XXXX XXXX XXXX. After my dispute submitted on XX/XX/year>, both credit bureaus moved the account out of the Collections section but kept it listed under Closed Accounts.

In addition, both bureaus have repeatedly updated the account with the remark consumer dispute after resolution, which is false and misleading. I am the original filer of the dispute not someone disputing after resolution. This notation inaccurately implies I reopened the dispute following a valid resolution when, in reality, no valid resolution ever occurred. The account remains unverifiable and was never properly validated by XXXX XXXX XXXX. 

This is misleading and violates FCRA 611 ( a ) ( 5 ) ( A ), which requires the deletion of unverifiable information not reclassification. I have never had a direct account with XXXX XXXX XXXX, and therefore listing this as a closed account is factually false and continues to damage my credit. 

Additionally, both bureaus are inaccurately reporting a collection account as a closed account, which violates Metro 2 credit reporting standards and the Fair Credit Reporting Act. Collection agencies do not maintain open or closed accounts those designations are reserved for original creditors. XXXX XXXX XXXX is a third-party debt collector and can not legally report this tradeline as closed. 

Reporting the tradeline in this format falsely suggests I had a direct credit relationship with XXXX XXXX XXXX, which I did not. This misrepresents the legal nature of the debt and misleads creditors and scoring systems. Under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ), unverifiable or inaccurately reported information must be deleted, not reclassified. 

I am requesting that Equifax and TransUnion immediately and permanently delete this XXXX XXXX tradeline and that the CFPB investigate XXXX XXXX XXXX for continuing to furnish unverifiable or misleading data. 

I am also including Experian in this complaint, as they are currently reporting or investigating the same XXXX XXXX tradeline. Experian is hereby notified that if they follow the same unlawful reclassification as Equifax and TransUnion, that action will also constitute violations under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ).

The purpose of this complaint is to ensure that all three credit bureaus follow a lawful and accurate resolution complete deletion of the XXXX XXXX XXXX tradeline. 

If these violations are not corrected promptly, I plan to pursue civil legal action for each violation, as the continued false reporting and improper reclassification of a collection account constitute a serious breach of federal consumer protection laws.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, Resurgent Capital Services responded to my previous CFPB complaint ( Case # XXXX ) stating in writing that LVNV Funding LLC is not reporting the account ending in XXXX to the credit bureaus. This statement was false and misleading. 

On XX/XX/year>, the same account appeared on my XXXX  credit report as a new collection from LVNV Funding LLC with a reported balance of {$1500.00}. This proves LVNV furnished information to the credit bureaus after telling the CFPB they were not reporting it. 

LVNV Funding has repeatedly failed to validate this debt, attempted to require me to complete their own police-report form, and ignored my valid FTC Identity-Theft Report filed in response to their demands. Continuing to report this account after an FTC report and after making a false representation to the CFPB violates FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly furnishing inaccurate information ) and 623 ( a ) ( 6 ) ( furnishing after notice of identity theft ).

I am requesting immediate deletion of the LVNV Funding LLC tradeline from all credit bureaus, confirmation that Resurgent/LVNV will cease furnishing any information on this account, and regulatory review of their deceptive statements to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA 611 : Failing to remove or correct unverified or disputed data.

State of Texas Consumer Protection- Unfair Trade Practices Act I have already filed a formal dispute directly with XXXX XXXX XXXX and the major credit bureaus, but no appropriate response or valid documentation has been provided within the required timeframe. 

I am requesting your office to investigate XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act and for unlawfully furnishing inaccurate information to consumer reporting agencies.

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