vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax, XXXX, XXXX, and XXXX XXXX XXXX, This serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate and inconsistent credit reporting, failure to reinvestigate, and furnishing false or outdated data. 



Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  : Past Due as of XX/XX/XXXX Balance {$190.00} Status Updated XX/XX/XXXX. 
Equifax : Unpaid Balance {$190.00} Status Updated XX/XX/XXXX. 
XXXX  : Undisclosed Status Balance {$190.00} Status Updated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
Equifax : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
XXXX  : Open Account Updated XX/XX/XXXX. 



Violations All XXXX entities have violated : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) failure to maintain accuracy, reinvestigate, and correct. 
FDCPA XXXX, XXXX, XXXX ( b ) false or misleading representation and failure to validate. 



Demand for XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) and XXXX ( a ), each entity is liable for statutory damages up to {$1000.00} per violation, plus actual damages, costs, and attorneys fees. 

Accordingly, I demand : Entity | Statutory Basis | Violations | Amount Owed ( USD ) XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} Equifax | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX  | FCRA 1681e ( b ), 1681i ( a ) |2 | {$2000.00} XXXX XXXX XXXX XXXX FDCPA 1692e, 1692f, 1692g ( b ) | 2 | {$2000.00} Total Due Immediately | {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within XXXX business days. 



Formal Demands XXXX. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for both accounts. 
XXXX. Permanently delete all the inconsistent data across all reports. 
XXXX. Remit the above-stated compensation ( {$8000.00} total ) within XXXX business days of receipt. 

Failure to comply by XX/XX/XXXX will result in civil litigation in U.S. District Court seeking : Additional actual damages, Attorneys fees and costs, and Punitive damages for willful non-compliance under 15 U.S.C. 1681n ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted formal disputes regarding inaccurate reporting for XXXX XXXX XXXX XXXX ( charge-off with inflated utilization ) and XXXX XXXX XXXX  ( 60-day late status on a paid-off loan ). All three credit bureaus failed to provide verifiable documentation or proper reinvestigation under 15 U.S.C. 1681i. These items remain inaccurate and are damaging my credit history despite multiple good-faith requests for verification.

I am requesting CFPB assistance to compel Experian, Equifax, and TransUnion to ( 1 ) provide documented proof of verificationsigned contracts, payment ledgers, and charge-off validationor ( 2 ) delete the unverifiable entries.

Citations : FCRA 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681i reinvestigation procedures FCRA 1681s-2 duties of furnishers to provide accurate 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 2025-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted formal disputes regarding inaccurate reporting for XXXX XXXX XXXX XXXX ( charge-off with inflated utilization ) and XXXX XXXX XXXX  ( 60-day late status on a paid-off loan ). All three credit bureaus failed to provide verifiable documentation or proper reinvestigation under 15 U.S.C. 1681i. These items remain inaccurate and are damaging my credit history despite multiple good-faith requests for verification.

I am requesting CFPB assistance to compel Experian, Equifax, and TransUnion to ( 1 ) provide documented proof of verificationsigned contracts, payment ledgers, and charge-off validationor ( 2 ) delete the unverifiable entries.

Citations : FCRA 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681i reinvestigation procedures FCRA 1681s-2 duties of furnishers to provide accurate information

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

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my XXXX  credit report from Resurgent Receivable, opened on XX/XX/year>, in the amount of {$7100.00}. I do not recognize this debt, and I believe this account was opened or reported in error possibly as a result of identity theft or unauthorized activity related to a business account that does not belong to me. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting : XXXX. A complete validation of this debt, including original creditor name, contract, and itemized charges. 
XXXX. Immediate removal of the account from my credit report if you can not provide verification within the legally required time.

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

Complaint narrative:
Since XX/XX/year>, I have submitted multiple disputes to Experian and TransUnion regarding fraudulent accounts that do not belong to me : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) Affirms Accounts XXXX account I repeatedly requested documentary proof of verification, such as signed contracts, applications, IP logs, or addresses connected to me. 

In its official response to the CFPB dated XX/XX/year>, Experian admitted that it can not delete information that has been verified as accurate. 
However, Experian never provided any evidence showing how or by whom these accounts were verified. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) because the law requires consumer reporting agencies to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Disclose the methods, results, and evidence used in that investigation ( 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) ), and Maintain only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ). 

By confirming verified information without providing proof, Experian and TransUnion have demonstrated negligence and reckless disregard of federal law. 
Their actions have caused economic harm, credit denials, and damage to my financial reputation. 

I request that the CFPB conduct a formal investigation into Experian and TransUnion for ongoing violations of the FCRA and systemic failure to verify disputed 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 2025-11-11 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: TX

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the inaccurate reporting of a late payment on my credit file. This false entry has caused unjustified damage to my credit reputation and financial standing. I am requesting that a full investigation be conducted immediately. 
Disputed Account Information Creditor Name : XXXX XXXX  XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> I firmly dispute the accuracy of this reported late payment. The account in question has been paid on time and should correctly reflect the status Paid As Agreed Never Late. 






Legal Basis for Investigation and Correction Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Under this section, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit report. If the furnisher of information can not provide verifiable evidence supporting this late payment claim, it must be deleted or corrected immediately. 
Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Creditors are legally obligated to issue accurate billing statements and report information consistent with the consumers actual payment performance. Any deviation constitutes an error that must be promptly rectified. 
Responsibilities of Information Furnishers 15 U.S.C. 1681s-2 Entities furnishing data to credit bureaus are required to ensure that the information is both accurate and complete. Reporting unverifiable or false late payments violates this obligation and federal consumer-protection standards. 
Requested Actions I respectfully request that the CFPB require the furnisher and the credit bureaus to : Conduct a complete reinvestigation of this account under 1681i and 1681s-2. 


Provide verifiable documentation substantiating the alleged late payment, including the payment date, due date, amount, and communication record. 


If the information can not be fully verified, instruct the furnisher and all credit bureaus to update the account status to Paid As Agreed Never Late. 


Provide written confirmation of the completed investigation and any updates to my file within XXXX  days, as mandated by the FCRA. 
Notice of Compliance and Accountability Failure to comply with the statutory timelines or to correct unverified information will be considered a violation of the FCRA and other applicable consumer-protection laws. Continued inaction or incomplete responses will result in escalation to appropriate oversight agencies or legal channels for enforcement. 
My credit report must reflect factual, verifiable information that accurately represents my payment behavior. I trust that this matter will receive prompt attention and resolution in compliance with federal law.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law 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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Reporting XXXX XXXX Dear Credit Bureau Compliance Department : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this formal dispute regarding the above referenced account as it is being reported inaccurately and unlawfully on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XXXX days XX/XX/XXXX, XX/XX/XXXX XXXX days, XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX days, XXXX  days XX/XX/XXXX, XX/XX/XXXX XXXX days XX/XX/XXXX XXXX  days, XX/XX/XXXX XXXX  days, XX/XX/XXXX XXXX  days and XX/XX/XXXX lates XXXX  days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX days

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

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I disputed an alleged debt that TrueAccord claims to be collecting on behalf of XXXX XXXX. I requested full validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original signed agreement, complete itemized accounting, proof of ownership or chain of custody, and verification that the balance is accurate and legally collectible. 

TrueAccord acknowledged my dispute and stated they paused all collection activity, but they have not provided ANY of the required documentation needed to validate the alleged debt. Without proper validation, they can not legally continue collection or verify any information with credit reporting agencies under FDCPA 1692g ( b ) and FCRA 623. 

I am requesting CFPB assistance to require TrueAccord and XXXX XXXX  to provide complete validation or cease all collection and reporting activity if they can not properly validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: TX

Complaint narrative:
I have disputed inaccurate information with Transunion regarding accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Round 1 dispute sent : XX/XX/year> Round 2 verification request : XX/XX/year> ( XXXX Tracking # XXXX ) Round 3 Metro 2/violation notice : XX/XX/year> ( XXXX Tracking # XXXX ) The furnisher and Transunion has failed to conduct a proper investigation, Send stall letters and continue to report inaccurate data in violation of FCRA 611 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 6 ) ( B ) ( iii ) ,611 ( a ) ( 7 ) ,607 ( b ) ,611 ( a ) ( 3 ) ( A ) and 623.

I am requesting deletion of these accounts and documentation of the investigation 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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since XXXX business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a claim with Bank of America regarding an unauthorized charge of {$710.00}, {$1100.00} i was informed that I would receive a temporary ( provisional ) credit during the investigation, but it has not been issued. 

Ive contacted Bank of America several times by phone and through the online dispute center, but there has been no resolution or clear update. The delay in issuing this credit has left me without access to essential funds. I am currently homeless and stranded as a direct result of this unresolved claim, which has caused extreme hardship and distress. 

I am asking for immediate review and escalation of this case, as I urgently need access to the funds that were taken in error or to the promised temporary credit. I have done everything required on my end, yet the issue remains unresolved. 

Please have Bank of America release the temporary credit 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