vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX ( Account No. 
XXXX ) Personal Information : - Name : XXXX XXXX - Date of Birth : XX/XX/year>XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX - Phone Number : XXXX - Email : XXXX Dear XXXX  Dispute Department, I am writing to formally dispute an inaccurate and fraudulent account that remains on my XXXX credit report. The account in question is with XXXX XXXX XXXX ( Account No. 
XXXX ), which was fraudulently opened in my name. This account was recently investigated by XXXX and subsequently removed from my XXXX credit report due to its fraudulent nature. However, it is still appearing on my XXXX credit file. 

Additionally, this account has been charged off, meaning the creditor has already been paid, and therefore it should not be negatively impacting my credit report. 
As this account was not opened by me and is fraudulent, I request that XXXX conduct an immediate investigation into this matter and remove it from my credit report. I have attached the following documents to support my dispute : 1. A copy of my XXXX credit report showing the removal of this fraudulent account. 
2. A copy of my government-issued ID for identity verification ( see attached ). 
3. A screenshot of the XXXX dispute results showing that this account was deleted ( see attached ). 
Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to conduct a timely investigation and remove inaccurate or fraudulent information from my credit file. I kindly request written confirmation once this account has been deleted from my report. 
Please investigate and resolve this matter as soon as possible. You may contact me at XXXX or XXXX if you require any additional 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are reported accounts that I marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$56000.00} - Charge off

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account Resurgent/LVNV Funding ( Acct # XXXX ) Dear XXXX, I am writing to formally dispute inaccuracies on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these issues, inaccurate information remains on my report. I am aware of the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against XXXX, which highlights systemic failures in ensuring the accuracy of consumer credit reports. My experience reflects similar issues, as my previous disputes have been ignored, mishandled, or unresolved, causing harm to my creditworthiness I am formally disputing the accuracy of a collection account appearing on my credit report. The account in question is listed under Resurgent/LVNV Funding LLC , with an account number XXXX, and a reported balance of {$2800.00}. 

I believe this account is inaccurate, unverifiable, or does not belong to me, and I am requesting its removal from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide written documentation verifying the validity of this debt, including : 1. The original creditors name, account number, and documentation proving the validity of the debt.

2. Proof that Resurgent/LVNV Funding has the legal authority to collect this debt.

3. A complete payment history and signed agreement demonstrating my obligation to pay. 

If XXXX is unable to verify this information within 30 days, I request that this account be removed from my credit report immediately. 

Please provide a written response confirming the results of your investigation. If this account is verified, I request that you include copies of all documentation used in your determination. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( s ) : Transferred from XXXX to Mohela Mohela XXXXXXXX XXXX XXXXXXXX Credit Bureau ( s XXXX Reporting the Inaccurate Information : [ XXXX, XXXX XXXX XXXX ] Incorrect Balance Reported : {$59000.00} ( also the XXXX only shows Dept of Ed balance of {$45.00}, XXXX which is in contrast to the balances that XXXX and XXXX show as due by the Dept of Education ) Correct Balance : the servicer Mohela has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected. 
This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: VA

Complaint narrative:
Im filing this complaint due to Experians willful, intentionally and consistent failure to conduct a reasonable reinvestigation of my credit report disputes, as required by law. 

Their current violations against me mirror those of the XXXX complaint case # XXXX you filed in California. Experians continuous patterns of misconduct, failing to conduct reasonable reinvestigations, failing to provide written notice of reinvestigation results, failing to produce accurate reports, failing to timely remove a security freeze and failing to follow reasonable procedures to assure maximum possible accuracy of reported information on my report is causing me substantial harm. 

I have filed 7 complaints with the CFPB expecting your help to resolve these issues. Experian continues to provide false, inaccurate and misleading information on my report and to you in their compliant responses. Subsequently you close them out without confirming the information they provide or verifying the issue is resolved in accordance with the Fair Credit Reporting Act. 

The most recent dispute was sent via certified mail to Experian on XX/XX/XXXX. I demanded a reinvestigation of the items Ive been disputed since XXXX that Experian refuses to properly reinvestigate with the furnishers of the information and provide me with the proof of such. They also added a fraud alert to my report that I did not contact them to request. 

I required Experian to contact me only by a written letter ( no emails or phone calls ) with their results, a copy of my report and confirmation of the fraud alert removal. Experian failed to provide a written response to the dispute. 

I am requesting your assistance to get Experian to comply with law and make the corrections to my consumer report I am disputing. If they refuse, I demand Experian provide me with written documentation swearing under penalty and perjury laws they were there when all the accounts and/or alleged debt were established and can prove with documentation they received from the creditors the information is 100 % accurate. I demand they also swear under oath that I signed for the reporting of the accounts and I signed documentation agreeing to add Experian to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe mental, financial and emotional distress.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
Contract was cancelled for XXXX auto loans and its still reporting as open on account. Auto loan needs to be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of information on my credit reports by the credit bureaus, which has resulted in inconsistent and incorrect credit scores across different agencies. These inaccuracies are directly impacting my financial stability and ability to secure necessary credit opportunities. Despite my efforts to dispute these errors, the credit bureaus have failed to correct the misinformation, and representatives have not taken appropriate action to resolve this issue. 

As a service member who has honorably served this country, it is unacceptable that I am being treated in this manner. The failure of the credit bureaus to report accurate information is not just an inconvenienceit has serious consequences. This type of negligence is exactly how service members, who have sacrificed for this nation, find themselves struggling financially and even facing homelessness. The lack of accountability in credit reporting systems creates undue hardship on those who have served and should be addressed immediately. 

I am requesting immediate investigation and correction of the inaccuracies on my credit report. I expect the CFPB to hold the credit bureaus accountable for their failure to ensure fair and accurate reporting. I appreciate your prompt attention to 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of information on my credit reports by the credit bureaus, which has resulted in inconsistent and incorrect credit scores across different agencies. These inaccuracies are directly impacting my financial stability and ability to secure necessary credit opportunities. Despite my efforts to dispute these errors, the credit bureaus have failed to correct the misinformation, and representatives have not taken appropriate action to resolve this issue. 

As a service member who has honorably served this country, it is unacceptable that I am being treated in this manner. The failure of the credit bureaus to report accurate information is not just an inconvenienceit has serious consequences. This type of negligence is exactly how service members, who have sacrificed for this nation, find themselves struggling financially and even facing homelessness. The lack of accountability in credit reporting systems creates undue hardship on those who have served and should be addressed immediately. 

I am requesting immediate investigation and correction of the inaccuracies on my credit report. I expect the CFPB to hold the credit bureaus accountable for their failure to ensure fair and accurate reporting. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
there are multiple discrepancies on my credit report, stating that a payment has been made. All payments were made yet not applied to my mortgage account. The balances are incorrect. The payment dates are incorrect. The past due amounts are 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 monetary relief