vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate credit reporting, failure to properly validate an alleged debt, and failure to conduct a reasonable investigation after disputes. 

The account reported by XXXX XXXX XXXX contains inaccurate and inconsistent information, including conflicting account status, reporting dates, and signs of re-aging. I have disputed this account previously, yet it continues to be reported negatively without documentation showing that a proper investigation was conducted. 

XXXX XXXX XXXX has failed to provide adequate validation of the alleged debt, including the original creditor documentation or evidence that the debt is accurate and legally owed. 

This conduct violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that this account be fully investigated and removed from my credit report if it can not be verified as accurate and complete.

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 2025-12-14 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: FL

Complaint narrative:
XXXX XXXX XXXX received transfer of loan servicing within the last 60-90 days, and is reporting that my XXXX loan payment is 30 days delinquent. Given that today is XX/XX/XXXX, this is physically, mathematically and chronologically impossible. I alerted Experian to the issue and demanded an immediate explanation for how their system can report this. They refused to divulge that information, and told me it would take 30 days under FCRA to fix it. FCRA should not offer blanket immunity to lenders or credit bureaus to make materially false statements about a consumer when the credit bureau has constructive evidence to know that the statements they are making are false. The intent of FCRA to was protect credit bureaus when the information they are receiving from the lenders is merely being relayed, and the bureau can not know if it's accurate or not unless the consumer disputes it. FCRA is not intended to allow defamation, where a credit bureau acts with reckless disregard to material facts. Defamation is defamation, regardless of whether it's fixed within 30 days. I would also argue that making these false statements via the internet would constitute wire fraud, and making them via regular mail would constitute mail fraud. Why should a consumer be forced to bear the burden of losing XXXX points on their score for obviously false and impossible/illogical results as the result of categorically illegal actions by a lender and credit bureaus? Again, I reiterate, how is it possible to be 30 days past due on a payment for a calendar month that we are still in?

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 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv Funding is reporting a collection account that is inaccurate and can not be verified as reported. The account references an original creditor, XXXX  but Lvnv Funding has not provided documentation establishing ownership, balance, or reporting accuracy after notice. Because the information can not be verified, continued reporting is improper and is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
I am disputing an inaccurate collection account being reported on my credit file. The account is : XXXX XXXX, XXXX. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} Reported Open Date : XX/XX/year> This information is inaccurate, unverified, and incomplete for the following reasons : I was never provided a signed lease, contract, or proof of responsibility for this amount. 

No itemized bill, move-out inspection, or calculation of charges has been supplied. 

The balance appears inflated and does not match any documented obligation. 

Multiple incorrect addresses on my report during this period indicate a file-matching error. 

The furnisher has failed to provide any verification under FCRA 609 ( a ) or 611.

I am requesting the bureau delete this account unless full verification is provided, including : Signed lease agreement Itemized accounting Proof of responsibility Documentation supporting the reported amount Method of verification used If the furnisher can not validate the debt, it must be removed from my report.

Please investigate this matter and provide written results.

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 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC
State: TX

Complaint narrative:
I requested full validation of the alleged debt, including : A copy of the original signed contract Itemized statements of charges Proof of ownership or assignment A complete chain of custody Verification of balance accuracy They failed to provide any of this. They only sent generic form letters that do not meet FDCPA validation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AR

Complaint narrative:
I check my credit report again after disputing frad information. The credit bureaus have not responded and its been over 60 business days. they are violationg FCRA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: AR

Complaint narrative:
I check my credit report again after disputing frad information. The credit bureaus have not responded and its been over 60 business days. they are violationg FCRA 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 2025-12-14 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: WA

Complaint narrative:
Equifax is reporting multiple Department of EducatioXXXX student loan accounts as having XXXX late payments each, even though all of these accounts were paid in full and closed due to transfer. 

The accounts were opened in XXXX and XX/XX/XXXX, with original balances of {$2800.00}, {$3500.00}, {$3800.00}, and {$5900.00}, respectively. All accounts show a status of Transferred, Closed and reflect a {$0.00} balance, with the last payment made on XX/XX/XXXX. The status for each account was updated in XX/XX/XXXX. 

Despite this, Equifax continues to display late payment indicators on each of these closed accounts. The reported payment histories contain inconsistent and unclear data, including months marked as ND, unexplained status codes, and no clear indication of a valid delinquency prior to transfer and closure. There is also no monthly payment amount listed, which further calls into question how late payments were determined. 

Once the accounts were transferred and closed, there was no ongoing payment obligation to report as delinquent. Reporting late payments on accounts that were paid, transferred, and closed misrepresents the actual account history and negatively impacts my credit file. 

I have disputed this information with Equifax because the late payments being reported are inaccurate, unsupported by clear payment data, and inconsistent with the paid and closed status of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
I disputed inaccurate accounts on my Experian report. Experian completed the reinvestigation but did not correct or delete the inaccurate information. The following accounts remain incorrect after reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Balances, statuses, dates, and ownership are inaccurate or unverifiable. I request that Experian provide verification or delete these accounts under FCRA 611 and 623.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) with respect to inaccurate and outdated personal identifying information reported in my Equifax credit file.

I submitted a formal, written dispute to Equifax requesting reinvestigation of multiple personal-information items, including name variations, address history, and employment information. In that dispute, I clearly identified my correct legal name, acceptable name variants, current mailing and residential addresses, correct phone number, and accurate employment information. I also identified specific name versions, addresses, and employer entries appearing in my Equifax file that are inaccurate, outdated, or unnecessary and requested their removal or suppression.

Despite this notice, Equifax continues to report personal identifying information that does not accurately reflect my legal name or current status. This includes truncated or nickname-based name variants, outdated address entries that are no longer current or necessary for accurate reporting, and employer information that does not reflect my current employment. The continued reporting of these inaccurate or obsolete identifiers creates a risk of confusion, mixed files, and mis-association with other individuals.

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation of disputed information and to delete or modify information that can not be verified. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy of the information it reports. The continued presence of inaccurate name variants, outdated addresses, and incorrect employment information indicates that these obligations have not been met.

Personal identifying information is foundational to the integrity of a consumer credit file. Reporting inaccurate or outdated identifiers undermines the accuracy of the entire report and is misleading to users of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Creditor : XXXX  BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Credit Bureaus Reporting : TransUnion, Equifax Complaint / Dispute : I am submitting a dispute regarding the reporting of my XXXX  BANK secured loan on my credit reports. Upon review, I have identified the following discrepancies : Date Opened Differences : TransUnion reports XX/XX/XXXX ; Equifax reports XX/XX/XXXX. 

Request correction to reflect the accurate date opened. 

Date Last Active / Date of Last Payment Differences : TransUnion shows XX/XX/XXXX ; Equifax shows XX/XX/XXXX. 

Request correction to reflect accurate dates. 

Experian Reporting : This account does not appear on Experian. 

Request verification and update if applicable. 

Requested Resolution : Ensure accurate date opened, last payment, and last activity dates across all bureaus. 

Update Experian with verified account information if applicable. 

Provide a written response confirming corrections. 

I have attached supporting documentation, including statements verifying the account history and payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new Chase XXXX XXXX account on XX/XX/XXXX after seeing Chase 's new sign-up offer that included double XXXX status nights from XX/XX/XXXX to XX/XX/XXXX. I completed XXXX XXXX stays, with checkouts on XX/XX/XXXX & XX/XX/XXXX, but the double tier-qualifying nights did not credit. I communicated via Chase secure messaging XX/XX/XXXX about Chase not honoring the sign-up bonus terms and provided a PDF of the application clearly showing the terms. Chase responded on XX/XX/XXXX that " After further review of the above account, it reflects the offer mentioned was not attached at the time of credit card approval. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX  XXXX opened XX/XX/year> amount XXXX this is not my account its identity theft please remove account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: ProCollect, Inc.
State: MS

Complaint narrative:
I am disputing a {$950.00} collection account from an apartment complex that does not belong to me. I have never lived at or leased the apartment associated with this account, and the address linked to the debt is not and has never been part of my credit profile. 

Despite this, the collection agency continues to update and re-report the account, causing ongoing credit damage. I previously disputed this account, yet it remains without the collector providing verified documentation such as a signed lease agreement or proof of legal obligation. 

This reporting violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i, by failing to ensure accuracy and by continuing to report unverified 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 2025-12-14 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: MA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
I have requested in writing validation of this debt from drs, something was purchased using my social and they will not remove it. I have contacted them several times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding Self Inc 's attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law.

Further, Self Inc has violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ).

Self Inc has continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : - Chain of title for the debt - Assignment of debt contract - Copy of the signed contract from the original creditor - Any other legal documentation establishing Self Inc 's right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), Self Inc must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, Self Inc must cease all collection activities until providing such validation.

By failing to send the verification after my written dispute, Self Inc has violated FDCPA 15 U.S.C. 1692g ( b ), and its continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : - FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting - FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute - FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and Self Inc does not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Take this demand seriously and act immediately.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
Date : XX/XX/2025 To Whom It May Concern, I am writing to formally dispute and request verification of the following account ( s ) currently being reported on my consumer credit file. 

Creditor Name : XXXX XXXX, Transunion, XXXX, CFPB Amount Reported : XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting full verification and validation of this alleged debt. Please provide competent evidence that I am legally obligated for the account, including but not limited to : A copy of the original signed agreement or contract bearing my signature Documentation showing the complete payment history Proof that the reporting party has the legal authority to collect and report this debt Verification of the accuracy and timeliness of the information being furnished If you are unable to provide the requested documentation, you are required under federal law to remove this account from my credit report. 

Please note that this request is not an acknowledgment of liability, nor is it an agreement to pay. It is a formal request for verification as permitted by law. 

I expect your investigation to be completed within the timeframe required by the FCRA. Failure to comply may result in further action to protect my consumer rights. 

Thank you for 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 explanation