vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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 a formal complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, unverifiable, and incomplete information on my consumer credit reports, despite multiple written disputes and requests for validation. 

All three bureaus have failed to follow reasonable procedures to assure accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the creditors directly and requested validation. It has been well over 30 days, and none of them responded. These items remain on my reports without the legally required verification. 

Reported unverified accounts without producing an original signed consumer contract, which I demanded under FCRA 609 ( a ) ( 1 ) ( A ).

Failed to reinvestigate properly before continuing to publish the information.

Continued to report incomplete, inaccurate, or misleading data even after receiving written disputes. 

Harmed my ability to obtain credit and a mortgage for my family. 

Left inquiries that I did not authorize and that are not linked to any open accounts. 

I explicitly told each bureau to cease and desist communication with the creditors under FDCPA 15 USC 1692c ( c ). 

Equifax Resurgent Receivables Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For all of the above : The creditor never validated the debt. More than 30 days have passed. 

Experian Resurgent Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been validated after more than 30 days. 

TransUnion XXXX / Case # XXXX Missing the required creditor name a direct FCRA violation. 

Resurgent Receivables 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 Again, all unverified after more than 30 days. 

Because the bureaus continue reporting accounts they can not prove belong to me, I have : Been denied credit Been blocked from securing a mortgage for my family Experienced unnecessary financial stress They are publishing information that is unverified, incomplete, and inaccurate, which is illegal under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account remains unverified despite prior disputes. No competent evidence has been provided to substantiate its accuracy. Must be deleted under FCRA 1681i. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is inaccurate and unverifiable. TransUnion has failed to validate its reporting with original source documentation. Must be deleted under FCRA 1681e ( b ). 

HARD INQUIRY : INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry. You have not provided proof of permissible purpose as required under FCRA XXXX. If the furnisher can not produce signed authorization, the inquiry must 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 2025-12-08 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: AL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items individually with each credit bureau. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that each bureau verify all reporting and delete any accounts, inquiries, or payment history entries that can not be fully validated for accuracy and completenes 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX and the salesman was very helpful, however I felt like I was being taken advantage of. He only showed me the vehicle that I inquired about. The lot was not very organized. He did not offer me any other choices. He was not concerned with any of my needs for a vehicle. 
We spoke about my financing difficulties but was able to get financed through a company. The owner did offer me a lot more for my trade in then other dealerships did, which I was grateful for. After a few weeks I found out that the loan company did not accept my loan, the dealer stated it was because my first payment was late. I spoke to the lender and they stated that was not the reason and they were still my lender. It was very confusing so I left it up to the lender and the dealer to handle. Well they ended up buying the loan from the lender. I did not get my first payment back from the dealer after asking lender and dealer. Also it has not shown on my CREDIT that is a paid loan. Got another company to lend, after asking if I should just give the car back or look at another one, the salesman reallly pressured me to keep this vehicle and get it financed quickly but stated that this lender would not let me purchase a warranty for the vehicle. When I looked at the numbers I was not comfortable with them. I felt like I was extremely pressured into purchasing this vehicle. So I find myself in a bit of a conflict because the dealer was able to get my financed and other dealers werent able to, so not sure how to feel about that but I dont think I was in a situation to have a car payment at that time. 
There were a few things wrong with this vehicle after having it for about a month-XXXX  months and I brought them to the attention of the dealer/salesman but they did not respond to those, and just said it was a used vehicle and that they could offer me a fair price on the repair.then other items were safety and mechanical issues. 
I do take some blame as I did not fully inform myself and was not fully prepared, and did not have a trusted chaperone or advocate with me to help me understand the paperwork and know what decision I was making.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: DE

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 2025-12-08 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is being sent in response to a collection account that appears on my credit report with Experian. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am formally requesting validation of the alleged debt. 

Specifically, please provide : Documentation bearing my signature that establishes I am legally responsible for this debt. 
A complete payment history, showing how the amount you claim was calculated. 
The name and address of the original creditor, and proof that you are authorized to collect on their behalf. 
The chain of assignment or sale, if this debt has been transferred from the original creditor to your agency. 

Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. If you can not validate the debt, you are required to remove it from my credit file with all credit bureaus. 

Be advised that I am documenting all correspondence for potential use in asserting my rights under the FDCPA and FCRA. 

I also request that no phone calls be made to me regarding this matter. All communication should be in writing only. Thank you for your cooperation. I look forward to resolving this matter once full validation is provided. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX complaints. XXXX against XXXX XXXX  for reporting the wrong amount. XXXX for LMNV Funding for saying my XXXX  deliquent payment was before the account opened. XXXX  against XXXX  for not correctly verifying the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am unrelated to these accounts, which need to be taken down within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
LVNV FUNDING LLC  Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX. 
Reported Balance : {$1000.00} Date Opened : XX/XX/year> Status : Collection account ; {$1000.00} past due as of XX/XX/year> This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ), and I am demanding an immediate investigation and deletion. 



SPECIFIC ERRORS & LEGAL BASIS 1. The account is not mine or can not be legally verified as mine.

LVNV Funding is a debt buyer. As required under FCRA 1681i ( a ), you must provide verifiable documentation proving the validity of this debt not a screenshot, not a data sheet, not information verified electronically, but actual documentation from the original creditor.

To date, no such documentation has ever been provided.

2. Dates and status are inconsistent and contradictory. 

The account shows balance updated XX/XX/year> but status updated XX/XX/year>, which is impossible. 
This is a clear violation of FCRA reporting accuracy requirements ( FCRA 1681e ( b ) ).

3. LVNV is reporting without providing a full chain of title.

As a debt buyer, LVNV must prove : Purchase agreement Full chain of assignment Original contract with my signature Proof of amount claimed Itemized accounting Failure to produce these documents renders the account legally unverified and must be deleted immediately.

4. This account is already marked as disputed by consumer, yet the bureaus failed to properly investigate. 

Under FCRA 1681i ( a ) ( 1 ), once a dispute is submitted, the credit bureau must conduct a reasonable investigation.

Updating the report with no valid verification is not a reasonable investigation and is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> CFPB COMPLAINT TRUIST BANK Failure to Comply With Court-Ordered Subpoena Concerning {$3.00} XXXX in Negotiated Checks This complaint concerns {$3.00} XXXX in checks issued for a residential construction project that were negotiated and deposited through Truist Bank into an account that did not match the named payee. These transactions are now the subject of an active legal dispute involving suspected fraud.

To obtain the necessary banking records, I issued a court-ordered subpoena to Truist requesting copies of the negotiated checks, endorsements, and deposit information. These documents are critical to determining how {$3.00} XXXX in funds were handled and whether they were improperly diverted. 
The subpoena was : Properly issued by the court, Served on Truist at the correct legal address, Compliant with all state procedural requirements, and Directly related to identifying potential financial misconduct. 
Despite this, Truist has failed to respond in any way. They have not produced documents, filed objections, or even acknowledged the subpoena. Their refusal to comply obstructs an ongoing legal case and prevents me from obtaining evidence that only Truist possesses. 
This lack of response is especially serious given the high dollar amount at issue and the possibility of fraud, conversion, and improper deposit activity involving a third-party account. 
I am requesting that the Consumer Financial Protection Bureau intervene immediately and require Truist Bank to comply with the lawful subpoena and provide the requested records. 
Copies of the subpoena and proof of service are attached. 
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