vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX began reporting a {$510.00} XXXX XXXX XXXX account to Experian without prior communication. I had no knowledge of this collection account until I reviewed my credit report in XX/XX/year>. 

This same XXXX XXXX debt was previously removed from my credit report and has now mysteriously reappeared. I sent XXXX XXXX a debt validation request via certified mail in XX/XX/year>, asking for a signed contract, a breakdown of the amount owed, and proof they are authorized to collect on this debt. They have not responded. 

I also filed formal complaints with the XXXX, FTC, and CFPB regarding this unvalidated debt and the improper re-reporting. I believe this violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to reinvestigate disputes FCRA 607 ( b ) Duty to report only accurate information FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information with actual knowledge of errors I am requesting the removal of this collection from my credit report until proper validation is provided

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'"I sent a certified letter to XXXX XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX Transunion did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank: 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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: OH

Complaint narrative:
The creditor is Greensky. XXXX XXXX XXXX, XXXX, GA XXXX. I had to get a new furnace in XX/XX/XXXX. The price was {$5000.00}. The salesman said my interest rate would be 6.99 %. After I received the loan documents in the mail, which was AFTER I had the furnace installed, it turned out the interest rate is 9.99 %. 

My payment was quoted at XXXX per month. I have been paying {$80.00} per month, since XX/XX/XXXX, never missed a payment, pay early every month. 

The original amount borrowed as XXXX, my current balance is {$4900.00}. So after paying religiously for 18 months, according to Greensky, I have only paid {$30.00} on the principal balance. 

I am XXXX XXXX XXXX and they have taken advantage of me! This is predatory lending behavior. How could I have only paid {$30.00} over a 18 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX\n\nEquifax Information Services, LLC\nXXXX XXXX XXXX\XXXX, XXXX  XXXX\n\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\n\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXXn\nINQUIRY:\n1.\tXXXX XXXX XXXX XXXX XXXX\n\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity\n\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
am filing this formal complaint against XXXX for willful non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and failure to investigate multiple disputes regarding inaccurate information on my credit report. Despite providing conclusive evidence in XXXX separate disputes sent multiple time on XXXX has refused to correct the following errors : XXXX. Unresolved Inaccuracies & FCRA Violations XXXX continues to report : Incorrect Identity Information : Misspelled name variations ( " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' etc. ) despite valid Maryland Drivers License ( XXXX ) showing true legal name : XXXX XXXX XXXX XXXX 
Incorrect addresses ( e.g., " XXXX XXXX XXXX, '' " XXXX XXXX XXXX '' ) despite proof of residence at XXXX XXXX XXXX, XXXX, MD XXXX. 
Fraudulent/Inaccurate Accounts : XXXX account XXXX XXXX falsely reported as " CollectionOrchargeOff '' with a {$0.00} balance. 
XXXX XXXX  XXXX account # XXXX inaccurately marked " Settled - Less Than Full Balance. '' Failure to Investigate : Ignored attached documentation ( bank statements, drivers license, SSN card ) proving these accounts do not belong to me and lack valid authorization for reporting. 
XXXX. XXXX 'S Legal Violations 1681e ( b ) : Failed to maintain reasonable procedures to ensure maximum accuracy of reported information.

1681i ( a ) : Refused to conduct a reinvestigation of disputed items within 30 days.

1681i ( c ) : Did not provide written results of the reinvestigation or correct erroneous data.

1681g ( e ) : Ignored proof of identity submitted with disputes. 
XXXX. Evidence of Willful Negligence As noted in my initial disputes ( attached ) : XXXX has a documented history of unlawful practices ( e.g., 2023 $ XXXX jury verdict for FCRA violations ). 
They used boilerplate responses to dismiss my disputes without investigation, violating 15 U.S.C. 1681i ( a ) ( XXXX ). 
Attached documents include : Maryland Drivers License ( Page 4 ) confirming true identity/address. 
XXXX  XXXX XXXX statement ( Page XXXX ) refuting disputed accounts. 
Social Security card ( Page XXXX ) verifying SSN.

Detailed dispute letters ( Pages 13 ) outlining inaccuracies. 
XXXX. Demand for Relief

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: MD

Complaint narrative:
am filing this formal complaint against XXXX for willful non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and failure to investigate multiple disputes regarding inaccurate information on my credit report. Despite providing conclusive evidence in two separate disputes sent multiple time on XXXX has refused to correct the following errors : XXXX. Unresolved Inaccuracies & FCRA Violations XXXX continues to report : Incorrect Identity Information : Misspelled name variations ( " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' etc. ) despite valid Maryland Drivers License ( XXXX ) showing true legal name : XXXX XXXX XXXX XXXX 
Incorrect addresses ( e.g., " XXXX XXXX XXXX, '' " XXXX XXXX XXXX '' ) despite proof of residence at XXXX XXXX XXXX, XXXX, MD XXXX. 
Fraudulent/Inaccurate Accounts : XXXX account XXXX XXXX falsely reported as " CollectionOrchargeOff '' with a {$0.00} balance. 
XXXX XXXX XXXX account # XXXX inaccurately marked " Settled - Less Than Full Balance. '' Failure to Investigate : Ignored attached documentation ( bank statements, drivers license, SSN card ) proving these accounts do not belong to me and lack valid authorization for reporting. 
XXXX. XXXX 'S Legal Violations 1681e ( b ) : Failed to maintain reasonable procedures to ensure maximum accuracy of reported information.

1681i ( a ) : Refused to conduct a reinvestigation of disputed items within 30 days.

1681i ( c ) : Did not provide written results of the reinvestigation or correct erroneous data.

1681g ( e ) : Ignored proof of identity submitted with disputes.

3. Evidence of Willful Negligence As noted in my initial disputes ( attached ) : XXXX has a documented history of unlawful practices ( e.g., 2023 $ 20M jury verdict for FCRA violations ). 
They used boilerplate responses to dismiss my disputes without investigation, violating 15 U.S.C. 1681i ( a ) ( 3 ).

Attached documents include : Maryland Drivers License ( Page 4 ) confirming true identity/address. 
XXXX  XXXX XXXX statement ( Page XXXX ) refuting disputed accounts. 
Social Security card ( Page XXXX ) verifying SSN.

Detailed dispute letters ( Pages 13 ) outlining inaccuracies.

4. Demand for Relief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
Good day, I am deeply frustrated and exhausted by this situation. I recently discovered a debt on my credit report that is not mine, was never verified, and came without warning. Since then, Ive been harassed through constant calls, emails, and messages. Some even threatening legal action over something I have no connection to. As a law-abiding individual, this is both insulting and unacceptable. My rights as a consumer are being violated, and it is taking a serious toll on my mental health. I have lost sleep over this and am mentally drained from trying to clear a debt that simply isnt mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal demand for the immediate investigation and removal of unauthorized hard credit inquiries that appear on my TransUnion credit report. Specifically, I am disputing the following inquiries : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> I have never authorized these companies to access my credit file, nor do I have any business relationship with them that would provide a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ). As such, these inquiries are unlawful and must be deleted immediately. 

To make matters worse, my personal identifying information was recently exposed in a data breach, which increases the likelihood that these inquiries are the result of identity theft or fraudulent use of my information. Continuing to report these inquiries without full verification further damages my credit profile and violates my consumer rights.

Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of this dispute within 30 days. If you can not fully verify that I provided explicit, written authorization for these hard inquiries, you are required to remove them immediately. 

Failure to comply with this demand will result in the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General ; Potential legal action seeking damages for violations of the FCRA and for the negligent and reckless reporting of inaccurate information. 

This letter serves as formal notice that I am exercising my rights under federal law. I expect written confirmation once these unauthorized inquiries have been deleted from my credit file. 

Sincerely, 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 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
Prestige Third party sold vehicle at a auction during Covid19 Pandemic issues and on XX/XX/year>, there is a unlawful Frauds collection on my credit reports of XXXX, XXXX and XXXX. 
Vehicle was returned and I volunteer to give back the back and Prestige tow truck picked up vehicle at XXXX XXXX XXXX in XXXX, California during Covid19 Pandemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by
the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I have contacted Experian multiple times to dispute an inaccurate collection account on my credit report. Despite my valid dispute and supporting documentation, Experian continues to report incorrect information and has not resolved the issue as required by the Fair Credit Reporting Act ( FCRA ). 

I am aware the CFPB has recently sued Experian for failing to conduct proper investigations and re-inserting inaccurate data. My experience aligns with this behavior. I am requesting that the CFPB intervene to ensure this account is corrected or removed from my credit file and that Experian is held accountable for noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$93.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-16 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: IL

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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