vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by LVNV FUNDING ( Account # XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> with a high balance of {$120.00}, which is being reported as a collection account. I have no knowledge or connection with this account and have never authorized, opened, or agreed to any debt with this company. The reporting of this account is false, misleading, and unverifiable, constituting a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for failure to ensure the accuracy and validity of reported information. 

This inaccurate collection entry has unfairly damaged my credit profile and reputation. LVNV FUNDING has not provided any verifiable documentation, contract, or billing record proving that I am responsible for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged Off Accounts : XXXX : Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX : Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX : Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Late Payments : XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-03 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: TX

Complaint narrative:
Dear Sir or Madam, I am writing to dispute several negative items on my Equifax credit report. After reviewing my credit file, I believe that the following items are either inaccurately reported or unverifiable. I request that a full investigation be conducted into these discrepancies. 
Equifax Negative Items : 1. Elements Fin o Status : Charge-Off o Balance : {$0.00} ( Settled for less than the full balance ) o Type : Credit Card o Date Reported : [ Provide Date Reported if available ] o Dispute Reason : This account was settled for less than the full balance and is incorrectly marked as a charge-off. Please verify the accuracy of the account status. If this entry is inaccurate, I request that it be removed from my credit report. 
2. Late Payments o There are no specific late payments reported for Equifax, but I would appreciate confirmation that no negative items are omitted in the provided summary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello please remove XXXX XXXX XXXX which is spelled incorrectly, off my personal information on my consumer report immediately! 

In addition you guys also have more wrong things on my personal information, PLEASE REMOVE incorrect address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl, XXXX I DO NOT LIVE THERE THIS IS INACCURATE PLEASE REMOVE IMMEDIATELY THANK YOU!

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 2025-11-03 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: LA

Complaint narrative:
I am writing to file a dispute regarding several inaccurate items on my credit report. I have identified multiple errors on my credit file, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). Below is the breakdown of the items in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account shows as charged off, but no previous late payments are accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account should not be reported as charged off, as it was settled and closed. The balance should be reported as XXXX. 

Inquiries : XXXX Date Opened : XX/XX/XXXX Discrepancy : This inquiry is listed incorrectly. Please verify the accuracy of this inquiry. 

Late Payments : XXXX XXXX  Account Number : XXXX Discrepancy : The reported late payments on this account are inaccurate and should be corrected. 

XXXX XXXX Account Number : XXXX Discrepancy : The reported late payments on this account are inaccurate and should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request an investigation of certain items on my credit report, as I believe they are inaccurate or incomplete. I have outlined the specific items that I am disputing and request that the credit bureaus take immediate action to investigate and rectify any discrepancies as required by the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I respectfully request that it be removed from my credit report. 
Charged-Off Accounts in Dispute : No charged-off accounts are currently disputed for TransUnion. 

Inquiries in Dispute : XXXX XXXX Date : XX/XX/year> Dispute : The inquiry was made without my authorization or is reported inaccurately. Please remove. 

Late Payments in Dispute : No late payments are currently disputed for TransUnion.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has charged off my mortgage account, which is now closed and settled within their books and records. Thereafter, another mortgage company purportedly purchased the same debt, constituting a commercial dishonor and violation of lawful contract principles, as an extinguished debt can not be reassigned or sold. 

XXXX XXXX has no original contractual XXXX with me and is unable to produce any wet-ink signature or verified affidavit bearing my consent or authorization, as required under UCC 3-401 and common-law contract doctrine. 

Accordingly, I hereby demand that XXXX XXXX XXXX remove any and all record or filing related to this closed mortgage from every public record, credit repository, and reporting system, as it no longer represents an active or enforceable obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I recently discovered an inquiry on my credit report that I do not recognize or recall authorizing. I never applied for credit with this company, nor did I give them permission to access my personal information. Its upsetting and frustrating to see this happen, especially since I take my credit and privacy very seriously. Seeing my rights as a consumer violated only adds unnecessary stress to my already busy life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NE

Complaint narrative:
I was recently contacted by a debt collection agency regarding a balance they claimed I owed. After receiving their correspondence and reviewing the account details, I immediately informed XXXXXXXX XXXX that this debt is not mine and that I believe I am a victim of identity theft. 

I have submitted all required forms and documentation requested by XXXXXXXX XXXX to report the fraudulent activity and dispute this account. 

I am requesting that this account be removed from my credit profile and that any collection activity cease, as I did not authorize this account or any related transactions. I have never lived at the address that XXXXXXXX XXXX had on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am filing this complaint because Experian is reporting several accounts that are inaccurate, incomplete, or can not be verified under the Fair Credit Reporting Act ( FCRA ). I have previously disputed these items directly with Experian but have not received sufficient evidence of verification. I am requesting that the CFPB assist in ensuring these accounts are properly investigated and corrected or deleted. 

Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX Reported Charged Off Balance {$1000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # XXXX Reported Charged Off Balance {$720.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Date XX/XX/XXXX Reason for Dispute : These accounts appear to contain inaccurate information, including reporting dates, charge-off status, and/or ownership details. I have not received sufficient proof that these debts are valid or that XXXX XXXX XXXX or other furnishers have the legal right to report them. I am requesting that Experian provide full validation or delete these accounts in compliance with FCRA 611 ( a ).

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I lease my vehicle through Nissan Motor Acceptance Company ( NMAC ). For over a month, NMACs online account/payment system and mobile app have been down, preventing customers from making payments or accessing their account information. There has been no direct communication to customers about the outage, only a brief message posted on their website.

I contacted NMAXXXX multiple times, including on XX/XX/XXXX, XXXX date referenced in their automated messageand spoke with a supervisor in the Collections Department ( XXXX XXXX who confirmed the outage. They stated there is no estimated restoration date, that customer accounts are currently inaccessible, and that my only payment option was by phone through a third-party vendor charging a {$3.00} fee. 

I requested information regarding when online payments would be restored, my due date, and how late fees or repossession would be handled during the outage. The representative said they could not provide any of that information due to the system being down. 

I was forced to pay by phone to avoid delinquency and was charged the {$3.00} fee, which NMAC refused to waive. This situation is unreasonable and entirely outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am disputing the following accounts reported on my credit report with Experian as they are inaccurately reflected : Charged Off Accounts : XXXX ( XXXX ) : Reported balance of {$15000.00} as of XX/XX/XXXX. I request a full review of this account for accuracy and compliance. 

XXXX XXXX XXXX ( XXXX ) : Reported balance of {$0.00} as of XX/XX/XXXX. I request verification of this accounts status. 

Inquiries : XXXXXXXX XXXX : XXXX dated XX/XX/XXXX. I request confirmation of the legitimacy of this inquiry. 

XXXX : XXXX dated XX/XX/XXXX. I request confirmation of the legitimacy of this inquiry.

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 2025-11-03 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: MI

Complaint narrative:
I am filing this complaint out of absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been severely affecting my life and credit score. These inaccuracies have made it difficult for me to achieve financial stability and peace of mind, and it is unacceptable that such issues continue to persist.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-03 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: MI

Complaint narrative:
I am submitting this dispute to request a thorough investigation of the following items that I believe are inaccurately reported. I ask that these accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-03 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: NV

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for inaccurate and unverified reporting of a charged-off XXXX  credit card account ending in XXXX XXXX, with a reported balance of {$2100.00}. I have formally disputed this account and requested validation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my written disputes, the credit bureaus have continued to report this account as valid without providing documentation proving the accuracy or ownership of the debt. This constitutes negligent and willful noncompliance with FCRA obligations to investigate and correct inaccurate data. I request immediate reinvestigation, deletion of the disputed account if validation can not be provided, and confirmation of compliance. I also request monitoring to ensure the account is not reinserted without proper certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

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