vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a dispute regarding an alleged debt that is being reported and/or collected. I am requesting a full investigation and validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The information being furnished about this account is unverifiable, inaccurate, and not validated. I am requesting that the company provide : A complete itemized breakdown of the alleged balance A copy of the original signed contract or agreement bearing my signature Proof of ownership or assignment of the debt The name and contact information of the original creditor The date of first delinquency ( DOFD ) being reported Documentation showing the company has the legal right to collect this debt As of now, this debt has not been validated according to federal requirements. Until proper validation is provided, this account should not be reported, collected, or verified as accurate. 

If the company can not fully validate the debt, I am requesting that the account be deleted from all credit reporting agencies and that all collection activity cease immediately. 

I am exercising my rights under FDCPA 15 USC 1692g and FCRA 15 USC 1681i. I am requesting a full investigation and removal of any information that can not be verified within the required time frame.

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 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$84.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-20 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: GA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-20 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 again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to dispute multiple serious inaccuracies that misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 609 guaranteeing my right to full disclosure, and 608 restricting the reporting of information without a permissible purpose. Experian is inaccurately reporting my XXXX XXXX XXXX XXXX account as Late Closed with a balance of {$14000.00} and a Late XXXX Days status, which is inconsistent with my actual payment history and account records, and demonstrates a failure to maintain reasonable procedures for accuracy. Additionally, the XXXX Furnishing account # XXXX is reported as a charge-off with a balance of {$1800.00}, when documentation confirms it should be reported under XXXX guidelines ; this misclassification falsely inflates my derogatory data and creates a misleading portrayal of my financial obligations in violation of FCRA 602. Equifax and TransUnion are reporting similar discrepancies, demonstrating a pattern of negligent reporting and failure to follow proper reinvestigation procedures required under FCRA 611 ( a ), which mandates that inaccurate, incomplete, or unverifiable information be promptly corrected or removed. These repeated reporting errors across all three bureaus have caused direct harm to my creditworthiness, financial opportunities, and overall consumer rights, and I am requesting immediate regulatory intervention to ensure full compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am submitting this complaint to dispute multiple serious inaccuracies that misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 609 guaranteeing my right to full disclosure, and 608 restricting the reporting of information without a permissible purpose. Experian is inaccurately reporting my XXXX XXXX XXXX XXXX account as Late Closed with a balance of {$14000.00} and a Late XXXX Days status, which is inconsistent with my actual payment history and account records, and demonstrates a failure to maintain reasonable procedures for accuracy. Additionally, the XXXX Furnishing account # XXXX is reported as a charge-off with a balance of {$1800.00}, when documentation confirms it should be reported under XXXX guidelines ; this misclassification falsely inflates my derogatory data and creates a misleading portrayal of my financial obligations in violation of FCRA 602. Equifax and TransUnion are reporting similar discrepancies, demonstrating a pattern of negligent reporting and failure to follow proper reinvestigation procedures required under FCRA 611 ( a ), which mandates that inaccurate, incomplete, or unverifiable information be promptly corrected or removed. These repeated reporting errors across all three bureaus have caused direct harm to my creditworthiness, financial opportunities, and overall consumer rights, and I am requesting immediate regulatory intervention to ensure full compliance with 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 explanation
Consumer complaint received 2025-11-20 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 again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-20 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-20 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: DE

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, which misrepresent my financial history and creditworthiness. Specifically, my report lists several charge off accounts that are inaccurately reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am submitting a complaint regarding improper and illegal debt collection behavior by FCO ( Fair Collections & Outsourcing ). They contacted me on my workplace phone number and left a voicemail attempting to collect a debt. I did not provide them with my work phone number, did not authorize them to contact me at work, and my employer does not permit personal collection calls. 

They have not provided any written validation of the alleged debt, and I have never received any documentation proving the amount or their legal right to collect. They are attempting to collect a debt related to an apartment I moved out of in 2022, for which the associated eviction case in Virginia was non-suit and no judgment was ever entered. There is no court judgment supporting this debt. 

Their attempt to contact me at my workplace violates the FDCPA, which prohibits communication at a consumers place of employment when it is known or should be known to be prohibited. This contact was harassing and improper and places my employment at risk. 

I am requesting that the CFPB investigate their conduct, require them to cease all workplace communication, validate the alleged debt in writing, and remove any negative credit reporting that can not be substantiated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
XXXX is illegally re-aging the charge-off every month, reporting future delinquency dates, misreporting account terms, and maintaining an inaccurate status. This violates FCRA 607 and San Diego County Credit Union is reporting inaccurate, misleading, and legally non-compliant information on my credit report regarding a charged-off account for {$190.00}. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

The following issues are present : Re-aging of the account : XXXX is reporting CO / Charge-Off every single month for multiple years. A charge-off may only be reported once, not continuously re-aged monthly. This violates FCRA 623 ( a ) ( 5 ) and XXXX XXXX guidelines on charge-off reporting. 

Future delinquency reporting : XXXX is reporting delinquency as of XX/XX/year>, which is impossible and violates FCRA 607 ( b ) ( information must be accurate and not misleading ). 

Contradictory status information : The account simultaneously states : Account charged off. {$190.00} written off. 

And {$190.00} past due as of XX/XX/year>. 
A charged-off account can not continue to accrue past-due status. 

Incorrect account terms : The account lists Terms : 1 month, which is factually inaccurate for a deposit account. 

Future balance updated date : The credit file shows a Balance updated date of XX/XX/year>, which is a future date and violates FCRA accuracy requirements. 

Improper payment history reporting : XXXX is reporting monthly CO notations even after the charge-off, which is considered an illegal form of re-aging. Payment history after charge-off can not show ongoing delinquency. 

These combined issues prove the account is not being reported accurately, completely, or verifiably as required under FCRA Sections 602, 607 ( b ), and 623 ( a ). Because the account is filled with factual inaccuracies and unverifiable information, I am requesting that the CFPB require XXXX to either : Provide full and verifiable documentation supporting the dates and reporting currently shown, OR Delete the account entirely from my credit reports if they can not provide accurate and complete records. 

This inaccurate reporting has caused significant harm to my credit profile and is preventing me from moving forward financially. I am requesting CFPB assistance to correct or remove this illegally reported information.623. I request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-20 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: NV

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint because Resurgent Capital Services and LVNV Funding LLC are attempting to collect a debt that is not mine and is the result of identity theft. I never opened or authorized this account, and these companies accessed and used my personal information without any permissible purpose. They also furnished a fraudulent account to the credit bureaus, causing immediate financial harm. 

On XX/XX/year>, I sent Resurgent a written dispute and full validation demand under FDCPA 1692g ( b ), requesting the original signed agreement, chain of title, proof of ownership, and documentation linking this alleged debt to me. They failed to provide any legally required validation, instead issuing an internal Account Summary that did not originate from any creditor and did not establish identity, consent, or ownership. 
After their failure to validate, I sent a second letter a formal Notice of Fault and Opportunity to Cure giving them an additional chance to provide proper documentation. They again failed to provide any proof, contract, or verification. Their failure to cure after my second notice shows they continued collection efforts knowing they had no evidence, no lawful contract, and no grounds
to use my personal information.

Despite being on notice twice, they continued furnishing the fraudulent account to the credit bureaus and continued collection activity. This behavior constitutes willful violations of the FDCPA and FCRA, including furnishing inaccurate information under 1681s-2 ( a ), failing to investigate under 1681s-2 ( b ), and accessing/using my credit information without a permissible purpose under 1681b ( f ). 

I have filed an official FTC Identity Theft Report ( Report No. XXXX ), confirming that this account is fraudulent and that my identity was misused. The continued use of my information after I notified them, combined with their refusal to provide validation, has created aggravated identity misuse and coercive collection pressure by leveraging the credit harm they caused. 

I am requesting the CFPBs assistance to require these companies to delete the fraudulent account, cease all collection activity, correct my credit reports, and stop using or sharing my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-11-20 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: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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