vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I recently was checking my credit report and noticed two unfamiliar derogatory marks on my credit report. The derogatory marks shown muy credit report are from LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. I did not open nor authorize neither one of these accounts and never done business with these consumers. 

LVNV FUNDING LLC XX/XX/year> {$1500.00} XXXX XXXX XXXX XXXX XX/XX/year> {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
I contacted experian XXXX XXXX XXXX  for the past two years once I found out my about the XXXX  data breach and it started with the usaa data breach where my information was compermise i wouldn't have known that if I didn't check my credit i am incompetent and my wife is my caregiver and fiduciary so I don't handle money or anything like that i am 100 percent XXXX a total of 9 new accounts showed up on my credit reports that I need remove two different 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 explanation
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon reviewing my consumer reports, I noticed multiple entries indicating late payments on my XXXX XXXX XXXX account ( Acct # XXXX ). This came as a shock, as I have consistently made my payments on time and have taken great care to uphold my financial responsibilities. 

The accuracy of the information reported by Consumer Reporting Agencies is critical to a consumer 's financial reputation and opportunities. Reporting errors can unfairly damage a consumers credit profile, and unfortunately, these late payment entries are doing just that in my case. They have negatively affected my credit score and, by extension, my ability to access fair financial products and terms.

Additionally, Ive identified conflicting payment dates across the three major credit bureaus for this same account. These discrepancies further indicate potential inaccuracies in how my payment history is being reported, and they raise concerns about the reliability of the data provided.

I request a detailed investigation into these discrepancies and ask that you provide supporting documentation, such as account statements, to substantiate the reported late payments. If proof can not be provided I demand these payments to be updated to on-time as they should be as I was NEVER late.

As a consumer who has upheld all obligations and made timely payments, I expect these inaccuracies to be corrected swiftly. I appreciate your prompt attention to this matter and look forward to a resolution.

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 2025-05-19 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: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-05-19 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: GA

Complaint narrative:
I am submitting this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
I have a unauthorized collection on my credit report and I would like to have it removed

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 2025-05-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have never had a contract with this company. They have not provided the purchase agreement for the purchase of the debt from XXXX. I have never received any verification documents for this account. The account is reported as open when it has been charged off and bought by a collection company. The account open date is listed as XX/XX/XXXX which is not correct. The original account is XXXX which is also on the credit report with an open date of XX/XX/XXXX. There is inaccurate payment information since the only payment information being reported for the past two years is XX/XX/XXXX ( XXXX  ), but the account was open in XX/XX/XXXX. This information is reported inaccurately and is a violation of the FCRA and should be removed from my credit report. See attached credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting inaccurate payment information due to Transunion, XXXX XXXX XXXX reporting different payment history information. The date opened for this account is reported as XX/XX/XXXX and XX/XX/XXXX which is inaccurate and contradictory. I have disputed this account, and it has come back verified. I have not been provided with validation paperwork and after I have requested it. The inaccurate information being reported is a violation of FCRA. This account should be removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting inaccurate payment history. Transunion, XXXX XXXX XXXX are reporting different payment history information. I have disputed this account, and it has come back verified. I have not been provided with any validation documents for this account. This account should be removed from my credit report due to reporting inaccurate information which is a violation of FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX This account is reporting inaccurate payment history information since there is not payment his for the past two years. I have never been provided with validation paperwork for this account after it was verified by Transunion. This inaccurate payment history is a violation of FCRA and should be removed from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account reports inaccurate payment history information. I have disputed this account, and it has come back verified. I have not been provided with the validation paperwork that was used to verify this account. The date opened is being reported as XX/XX/XXXX and XX/XX/XXXX and this information is contradictory and inaccurate. The inaccurate information being reported is a violation of FCRA. This account should be removed 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 non-monetary relief
Consumer complaint received 2025-05-19 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
for the month of XXXX this year, I used Affirm to finance a 30 day XXXX stay in XXXX. The XXXX stay was later confirmed by the merchant to be infested with bed bugs. I submitted a formal dispute to Affirm under the Fair Credit Billing Act, citing a defective and harmful service, supported by photographic evidence as well as XXXX 's written admission of infestation. 

Affirm denied my claim without providing me with a clear explanation. I received no written justification as to why they sided with the merchant in this case. When I called to follow up with customer service, no one was able to tell me why my claim was denied. I was repeatedly told to " check my email, my notifications, my app '' but there was no formal explanation to be found anywhere. 

Before re-submitting my dispute, I briefly saw my internal case notes that read something to the effect of " customer reopened case not happy with resolution '' which contained spelling error and lacked any engagement with the evidence I submitted. This strongly suggests that my case was not properly reviewed. 

Affirm failed to conduct a reasonable investigation and failed to meet their obligations under the Fair Credit Billing Act. I have now re-submitted my dispute, but I am filing this complaint because the initial mishandling was negligent, opaque, and harmful. I have attached a full PDF with all evidence, timeline, and documentation. I would like the CFPB to publish this, so the public can see how Affirm handles disputes and the disregard they have for their customers,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-18 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-05-19 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: NV

Complaint narrative:
Hi my name is XXXX XXXX and this is youXXXX XXXX XXXX final and non-negotiable XXXX XXXX demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 

XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: MA

Complaint narrative:
I am reporting for unlawfully reporting federal student loan accounts ( serviced by XXXX ) that have already been deleted by XXXX. These accounts contain sensitive educational data protected under the Family Educational Rights and Privacy Act ( FERPA ). Experian has never produced a signed promissory note or legal authorization to disclose this data to third parties, including credit reporting.

Under FERPA, my educational records can not be shared without written consent. Under FCRA 609 ( a ) and 623 ( b ), required to verify these accounts with original documentation. Despite repeated disputes, they continue to report these loans as verified without lawful evidence. This is a violation of both federal education and consumer protection 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 2025-05-18 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: MA

Complaint narrative:
I am reporting for unlawfully reporting federal student loan accounts ( serviced by XXXX ) that have already been deleted by XXXX  These accounts contain sensitive educational data protected under the Family Educational Rights and Privacy Act ( FERPA ). Experian has never produced a signed promissory note or legal authorization to disclose this data to third parties, including credit reporting.

Under FERPA, my educational records can not be shared without written consent. Under FCRA 609 ( a ) and 623 ( b ), required to verify these accounts with original documentation. Despite repeated disputes, they continue to report these loans as verified without lawful evidence. This is a violation of both federal education and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, This is a formal follow-up to my complaint against ChexSystems. 

On XX/XX/year>, ChexSystems confirmed that I have been added to their XXXX XXXX XXXX. However, this action only stops my personal information from being used in marketing-related prescreened offers. It does not resolve the primary issue raised in my complaint the presence of harmful and potentially inaccurate or outdated information in my consumer file that has prevented me from opening bank accounts and cashing checks. 

ChexSystems response failed to : - Confirm whether any derogatory information currently exists in my file - Provide a copy of my consumer disclosure report - Address my dispute under FCRA 1681i regarding unverified or inaccurate data - Offer any relief or correction for the financial harm caused by their reporting I have now submitted a formal dispute and FCRA reinvestigation request directly to ChexSystems, demanding a full consumer disclosure, verification of all entries, and removal of any unverifiable or obsolete data under 15 U.S.C. 1681i.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is submitted in response to TransUnion LLCs reinsertion of two tradelines that were previously deleted as a result of formal disputes. The reinsertions appear to have been executed without compliance with FCRA 611 ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( same day ) XXXX. XXXX Deleted XXXX XX/XX/XXXX Reinserted : XX/XX/XXXX FCRA Violations Identified TransUnion has failed to meet its obligations under the Fair Credit Reporting Act in the following ways : 1. Failure to Adhere to 611 ( a ) ( 5 ) ( B ) : TransUnion reinserted the XXXX and XXXX XXXX XXXX providing all the required disclosures and documentation to the consumer. Specifically : No evidence was provided showing that certified new verification was received from the furnishers after deletion. 

A deletion letter and reinsertion letter was sent to me with the same date ( XX/XX/XXXX ) stamped on both documents. the XXXXXXXX XXXX  tradeline occurred on the same date, which indicates a failure to follow a legitimate reinvestigation process. 

The name and address of the furnishers who certified the reinsertion were not disclosed. 

2. Possible Noncompliance with 611 ( a ) ( 5 ) ( A ) : If TransUnion lacked new verification at the time of reinsertion, then it failed its duty to permanently delete unverifiable information as required.

3. Violation of 1681e ( b ) : The reappearance of disputed, unverifiable, or improperly verified data undermines the accuracy of my credit file and violates TransUnions duty to maintain the maximum possible accuracy of consumer information. 

Consumers Request for Action I respectfully request that the CFPB and XXXX investigate the following : Whether TransUnion received certified new verification from the furnishers in connection with each reinsertion ; Whether the reinsertion process for each account was legally and procedurally compliant ; Whether this reflects a systemic failure to properly reinvestigate or notify consumers of reinsertion activity as required by federal law. 

I also request that TransUnion be compelled to : Delete both tradelines unless it can produce proof of certified reinsertion as outlined in FCRA 611 ( a ) ( 5 ) ( B ) ; Cease and desist from further reinsertions without strict adherence to federal notice and verification requirements ; Provide a complete record of reinvestigation activity for both accounts. If Transunion is not able to provide a complete record of their investigation then these accounts need to be deleted 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 non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I found Inaccurate Negative Items on my credit report. I contacted the furnisher, received NO verifiable response, and I am requesting a Full Investigation under Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean. Legal. powerful.

Company response to consumer: Closed with non-monetary relief