vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have attempted to dispute the inconsistency and incorrect information shown on my credit report as it is hurting my way of life. 15 U.S.C. 1681 They are showing accounts open and altering dates to stay on my report longer. Accounts that have been closed have been purchased by a debt collection agency which i have no contract or agreement with is trying to report that i own them when i do not. The accounts were closed and charged off. I should have received a schedule c XXXX to write as income but they have failed to provide and continue to harass and contact me without my consent. Company name is LVNV funding LLC. I have no agreements or products with this company. They also show as original creditor when they are not they purchased the debt. This is a violation of my rights and needs to be deleted or they should face legal action and fines for falsifying information on my credit report. 
Section 623 ( a ) ( 1 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
My mother put my name on hey XXXXXXXX XXXX XXXX and applied as a co signer for me. She co signed and is ultimately responsible for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
I HAVE BEEN TOTALLY VIOLATED OF MY CONSUMER LAW RIGHTS AND I NEED SOME HELP TO EXECUTE THE CONSUMER 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a XXXX XXXX XXXX XXXX from XXXX. This was written off as a complete loss and I have now assumed the tax liability for that debt and it is now a part of my personal income and reported to the IRS. IRS reporting does not include the XXXX credit bureaus.

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 2025-04-05 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX for knowingly and willfully reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S. Code 1681 and related statutes. 

XXXX XXXX has been reporting an account as 180 days past due for XXXX consecutive months, which is factually and legally impossible. An account can not remain at 180 days past due for nearly a year without being charged off, closed, or otherwise resolved. This misreporting is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not furnish information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) Duty to correct and update information.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate information after a reinvestigation.

This inaccurate reporting is not only damaging to my credit profile but also a clear violation of federal law. It is causing me financial harm, emotional distress, and denial of credit opportunities. 

I have attempted to resolve this matter directly with XXXX XXXX and the credit reporting agencies. However, the inaccurate data continues to appear on my credit reports despite my repeated disputes and requests for deletion or correction. 

This letter serves as my formal complaint to the CFPB, and I request a thorough investigation and enforcement action against XXXX XXXX for these willful violations. Additionally, I am placing XXXX XXXX on notice of my intent to file a lawsuit for damages under the FCRA if this account is not immediately corrected or removed from all credit reporting agencies ( XXXX, Experian, and XXXX ). 

Under 15 U.S. Code 1681n and 1681o, I am entitled to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

Please provide a written response within XXXX business days confirming receipt of this complaint and outlining the steps being taken to resolve this 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX for knowingly and willfully reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S. Code 1681 and related statutes. 

XXXX XXXX has been reporting an account as 180 days past due for XXXX consecutive months, which is factually and legally impossible. An account can not remain at 180 days past due for nearly a year without being charged off, closed, or otherwise resolved. This misreporting is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not furnish information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) Duty to correct and update information.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate information after a reinvestigation. 

This inaccurate reporting is not only damaging to my credit profile but also a clear violation of federal law. It is causing me financial harm, emotional distress, and denial of credit opportunities. 

I have attempted to resolve this matter directly with XXXX XXXX and the credit reporting agencies. However, the inaccurate data continues to appear on my credit reports despite my repeated disputes and requests for deletion or correction. 

This letter serves as my formal complaint to the CFPB, and I request a thorough investigation and enforcement action against XXXX XXXX for these willful violations. Additionally, I am placing XXXX XXXX on notice of my intent to file a lawsuit for damages under the FCRA if this account is not immediately corrected or removed from all credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

Under 15 U.S. Code 1681n and 1681o, I am entitled to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

Please provide a written response within XXXX business days confirming receipt of this complaint and outlining the steps being taken to resolve this 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 2025-04-05 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX for knowingly and willfully reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S. Code 1681 and related statutes. 

XXXX XXXX has been reporting an account as 180 days past due for XXXX consecutive months, which is factually and legally impossible. An account can not remain at 180 days past due for nearly a year without being charged off, closed, or otherwise resolved. This misreporting is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not furnish information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) Duty to correct and update information.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate information after a reinvestigation.

This inaccurate reporting is not only damaging to my credit profile but also a clear violation of federal law. It is causing me financial harm, emotional distress, and denial of credit opportunities. 

I have attempted to resolve this matter directly with XXXX XXXX and the credit reporting agencies. However, the inaccurate data continues to appear on my credit reports despite my repeated disputes and requests for deletion or correction. 

This letter serves as my formal complaint to the CFPB, and I request a thorough investigation and enforcement action against XXXX XXXX for these willful violations. Additionally, I am placing XXXX XXXX on notice of my intent to file a lawsuit for damages under the FCRA if this account is not immediately corrected or removed from all credit reporting agencies ( Equifax, XXXX, and XXXX ). 

Under 15 U.S. Code 1681n and 1681o, I am entitled to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

Please provide a written response within XXXX business days confirming receipt of this complaint and outlining the steps being taken to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Improper credit investigating. Dates XX/XX/XXXX. XXXX XXXX XXXX i contacted experian, transunion and experian about reporting incorrect information on my credit report without my consent and all contact should stop, my dispute came back as verified when i contacted each company and asked for information on what method was used and who verified this information as correct and i got no response. My credit report concerns were not properly investigated and its hurting me and my ability to grow and better myself.

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 2025-04-05 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: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXXXXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 inaccurate.

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 2025-04-05 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; 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 2025-04-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking to verify as accurate : XXXX XXXX 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 2025-04-05 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: IL

Complaint narrative:
I would like to raise a complaint against Experian, Equifax, and Transunion this account " XXXX '' thid alleged debt I request a validation of debt such as a signed contract ONLY if this can't be given I ask that Experian, Equifax, and Transunion remove this account from my report. there are many inaccuracies based on this account is being reproted to each credit agency which is a violation of the FCRA. It shows the account is reporting a 1 month term, The balance has been updated XXXX XXXX after being closed, also being sold to debt collectors multiple times It states the original balance is the same as the pastdue amouny whoch doesn't make any sense but where it states XX/XX/year> days late it reports as 0 how am I allegedly late but it's reporting O late payments. This account has been sold to XXXX, and XXXX which responded to my complaint I'll share below which states " XXXX has received and reviewed XXXX XXXX complaint and appreciates the opportunity to respond. An account under XXXX XXXX name and personal information was placed with our office by our client to make collection efforts on their behalf. Based on XXXX XXXX dispute, and request for validation documentation, XXXX ceased collection efforts, returned the account to our client, and notified them of XXXX XXXX complaint and validation request. Further, XXXX has not reported the subject debt to the credit reporting agencies and is therefore unable to modify any reporting related to the subject debt. Our client ( XXXX ) has advised us that to resolve this matter they are terminating collection efforts on the debt. If XXXX XXXX has any further questions or concerns, please contact our Compliance department at XXXX. Sincerely, XXXX XXXX '' but they are still attempting to collect this Alleged debt they claim I owe. I ask for a validation of debt such as SIGNED CONTRACT with MY SIGNATURE ONLY. XXXX has violated the FCRA US Code 18 USC 894, also the FDCPA is being violated as well.

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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
To the Consumer Financial Protection Bureau, RE : Urgent Follow-Up on Complaint # XXXX Non-Response and Continued Harm I am writing to formally follow up on my active complaint submitted to the CFPB on XX/XX/year>, under reference number XXXX, against XXXX, my federal student loan servicer. 

As of today, **Aidvantage has failed to respond** to my complaint, despite the CFPBs 15-day initial response policy and XXXX maximum timeframe for resolution. This failure is unacceptable and constitutes a disregard for federal accountability standards. 

XXXX, the company has continued to penalize me** in the time since my complaint was filed : - My account remains falsely marked as past due despite legal forbearance under Department of Education XXXX XXXX My XXXX XXXX has dropped by over XXXX points** - The false data continues to be reported by XXXX, XXXX, and XXXX XXXX I have suffered **emotional distress**, **financial instability**, and **reputational harm** Aidvantages actions and their refusal to acknowledge or resolve them are in direct violation of : - **FCRA** : 15 U.S.C. 1681s-2 ( a ), 1681e ( b ), 1681no - **Consumer Financial Protection Act** : 12 U.S.C. 5531 - **Higher XXXX XXXX : 20 U.S.C. 1082 ( a ) ( 6 ) - **Truth in XXXX XXXX, and possibly even **federal criminal statutes** under 18 U.S.C. 1343 for using electronic communications to continue disseminating false and coercive information I urge the CFPB to immediately escalate this complaint and take the following actions : XXXX. Open an enforcement investigation into XXXX compliance failures XXXX. XXXX them to immediately correct all false reporting and restore my credit status XXXX. Coordinate with the XXXX Ombudsman and Department of Education on XXXX XXXX XXXX. Notify me in writing of the outcome of this follow-up request I am prepared to file further complaints with my XXXX Attorney General, and to seek legal counsel should these violations not be corrected. 

Thank you for your attention to this urgent matter. I look forward to your response and support in holding this servicer accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within XXXX days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX CARD SERVICES XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Inquiries Included in Dispute : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation