vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Subject : Urgent Dispute, Legal Notice, and Demand for Removal of Unverified Negative Accounts within 4 Days XXXX XXXX Dear XXXX  Dispute Department, I am writing to formally dispute the accuracy and verifiability of certain negative entries reported on my credit file. I am aware of the recent lawsuit involving XXXX, which addresses violations related to improper reporting and failure to verify consumer data in accordance with federal law. Specifically, * * 15 U.S. Code 1681c-2 XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681o * * require that all negative credit information be accurate, verifiable, and legal Based on your own records, these accounts can not be verified with proper documentation, including a liquid signature, and are therefore unsubstantiated. As such, all of the following accounts must be removed from my credit report immediately : - 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 LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter serves as a formal legal notice and demand for the * * immediate * * deletion of these unverifiable negative accounts. You are legally obligated to cease reporting any unverified negative information * * within four ( 4 ) days * * of receipt of this letter. 

Failure to comply within this timeframe will leave me with no option but to pursue legal remedies for negligence and violation of my consumer rights, including seeking damages, pursuant to the applicable federal laws. 

Please confirm in writing once these accounts have been removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: KS

Complaint narrative:
I am writing to formally file a complaint against Experian for reporting false and damaging information on my credit report. 

Experian has inaccurately reported report number ( XXXX ) " XXXX XXXX XXXX Account XXXX in a manner that does not reflect my actual credit history. Right now, Experian ( or XXXX ) re-aged the debt by moving the charge-off to XX/XX/XXXX instead of XX/XX/XXXX when it was originally charged off.... 

That is a clear violation of FCRA. 

Despite my attempts to dispute this directly with Experian, the false information remains on my report. This inaccurate reporting has already caused measurable harm to my credit score and could affect my ability to obtain housing, credit, and financial opportunities. I recently disputed it again and on XX/XX/XXXX my credit score dropped XXXX points because Experian reported the account either as a new debt or reported it as 60 days late remind you this is a charged off account and shouldn't hurt my credit at all seeing as its CHARGED OFF FROM XXXX.... If this isn't fixed i have everything documented and will be seeking legal representation, this is a last chance effort to have Experian fix this as they've broken multiple laws which I've listed below I believe Experian has violated the Fair Credit Reporting Act ( FCRA ) by : Failing to ensure maximum possible accuracy of the information they report. 

Continuing to report false and unverifiable information after it was disputed. 

Neglecting their duty to fully investigate the disputed item. 

I request that the CFPB take action to ensure Experian removes this inaccurate account information entirely from my credit report. 

Enclosed are copies of supporting documents, including my previous dispute letter ( s ), proof of identity ( ID & Bank Letter showing my address ), and a copy of the incorrect credit report and previous reports of my credit showing the false information and info listed differently multiple times and now being listed as a new charge off for XXXX and or being reported 60 days later as well I appreciate your immediate assistance in this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please review and investigate the accounts that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-19 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute the appearance of an account on my credit report that is fraudulent. I have never authorized this account, and it has been reported in error. Its presence is causing harm to my financial standing.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America issued my pandemic benefits XXXX XXXXon an old debit card that I told them I haven't used since XXXX and didn't have i was told I would get a new card with a chip and my funds would be on there which all they did was send me the same card with XXXX funds and I have been going back and forth with them since XXXX trying to get my funds I have faxed over identity theft paperwork from the ftc, a letter from the police station, change of address information and also emails between me and the XXXX about how I need to contact bank of America. When I first filed my claim bank of America said that I would get provisional credit while they investigated but a couple of days later they sent me a letter saying my claims denied when I have to reopen it they said they couldn't give me provisional credit because I'm a reopening my claim they only get provisional credit when you first file a claim they have my address wrong they kept saying they can verify me they kept closing my claim and I have to keep reopening this year about a month or two ago I received a letter saying it was suspicious activity on my account they're closing it which I've been trying to tell them that since XXXX they send me a check for XXXX which is not the correct amount of my pandemic the bank statements they sent me had transactions from XXXXXXXX XXXX XXXX XXXX  places that I don't live or go to they told me to file that identity theft claim I did that and they still denied me

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 2025-08-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 
"

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have always paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have always paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-08-19 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:
If you verified this account as accurate, I need to see your method of verification on how you are reporting a charge off. If you can not provide this, please delete immediately.

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 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I purchased a car XX/XX/year> from a dealership that was closed for fraudulent transactions. The car broke down 3 days after I got it, the salesman didn't want to take it back and even though the car wasn't running for months he still wouldn't fix it. I reached out to his business partner who had the car fixed and the same problem persisted. Once the car was repossessed he was using it as his daily commuter. The car had been sold and charged off on my account and is still currently showing as a current repossession even though I haven't had possession of the car for years. There's no way a repossession should show as a current repossession after 6 years. There's no way to contact the dealership as they are closed and the account that it was sold to won't help either.

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
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of an account that is fraudulent and completely unrelated to me. I have never authorized, applied for, nor used this account in any way. Its appearance on my credit report is both inaccurate and highly damaging to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I carefully monitor my credit and finances, and I can confirm that I never initiated or authorized this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
I am a victim of identity theft according to the FCRA section 605B. This information must be removed within 4 days. Please remove account 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