vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following items on my credit report. The listed accounts are inaccurate, and I request they be investigated and corrected as necessary under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management ( MCM ) claims to collect a XXXX account XXXX MCM  # XXXX ) for {$2300.00}. On XX/XX/year> I received a XXXX Notice Attorney XXXX XXXX. I dispute the debt and requested substantiation ( contract + full chain of assignments + itemized accounting ). MCM has not provided legal validation and continues collection pressure. Please require proper substantiation and stop collection/credit reporting until produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I contacted The XXXX on XX/XX/XXXX after I noticed a collection for {$350.00} from XXXX XXXX XXXX. 

XX/XX/XXXX - Received an email from The XXXX saying the debt is incorrect and they will be reaching out to XXXX XXXX XXXX XXXX is an email from The XXXX aka asset living

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint to dispute XXXX separate collection accounts that LVNV Funding LLC has placed on my credit reports. These accounts do not belong to me. I have no knowledge of them, and I believe they are the result of a mixed file, where my information has been confused with that of another consumer with a similar name. 

Furthermore, I have verified through the NMLS Consumer Access database ( NMLS # XXXX ) that LVNV Funding LLC is not licensed as a debt collector in my state. Despite this, they are engaging in debt collection activities, including reporting these accounts to the national credit bureaus. 

Details of Disputed Accounts : The same XXXX underlying debts are being incorrectly reported across XXXX different credit bureaus each, creating XXXX separate erroneous entries on my credit reports. 

Original Creditor : LVNV Funding LLC ( Unlicensed ) Account Number : # XXXX Amount : {$1000.00} Credit Bureaus Reporting : XXXX  Status : This is not my debt. 

Original Creditor : LVNV Funding LLC ( Unlicensed ) Account Number : # XXXX Amount : {$420.00} Credit Bureaus Reporting : XXXX  Status : This is not my debt. 

Original Creditor : LVNV Funding LLC ( Unlicensed ) Account Number : # XXXX Amount : {$1000.00} Credit Bureaus Reporting : XXXX and XXXX  Status : This is not my debt. ( Duplicate of account # XXXX, reported to different bureaus ) Original Creditor : LVNV Funding LLC ( Unlicensed ) Account Number : # XXXX Amount : {$420.00} Credit Bureaus Reporting : XXXX  and XXXX Status : This is not my debt. ( Duplicate of account # XXXX, reported to different bureaus ) I have not received any validation notice for these debts as required by the Fair Debt Collection Practices Act ( FDCPA ). I have no contract or agreement with LVNV Funding, and these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I, XXXX XXXX, am writing to formally dispute the late payment reported on my XXXX XXXX account. This dispute is made under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i.

After reviewing my credit reports, I discovered a late payment entry that is inaccurate, incomplete, or unverifiable. According to my records, I made my payments on time or did not receive proper notice of delinquency as required by law. Therefore, the reporting of this late payment violates the accuracy and verification requirements of federal law. 

Legal Basis for This Dispute XXXX. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers ( such as XXXX XXXX ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

XXXX. FCRA 1681s-2 ( b ) Once a dispute is received, you are legally required to : Conduct a reasonable investigation, Review all evidence I provide, Report your findings to all credit bureaus, and Correct or delete any information that is inaccurate or can not be verified. 

XXXX. FCRA 1681i ( a ) ( 5 ) ( A ) If XXXX XXXX can not verify the accuracy of the late payment with documented proof, the item must be deleted or corrected within 30 days. 

Requested Action I request that XXXX XXXX : Perform a full reinvestigation of the late payment being reported. 

Provide written verification and documentation proving the payment was late ( including due date, payment posting date, and notice of delinquency ). 

If verification can not be provided, immediately delete or update the entry to reflect Paid as Agreed or on-time payment status. 

Notify all credit reporting agencies of the corrected information. 

Provide me with a written response confirming the results of your investigation. 

Please note that FCRA 1681i ( a ) ( 1 ) requires the reinvestigation to be completed within 30 days of receiving this notice. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or pursuit of remedies under FCRA 1681n and 1681o.

Thank you for your attention. I expect a written response within the required timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am writing to formally dispute the late payment reported on my XXXX XXXX account. This dispute is made under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i.

After reviewing my credit reports, I discovered a late payment entry that is inaccurate, incomplete, or unverifiable. According to my records, I made my payments on time or did not receive proper notice of delinquency as required by law. Therefore, the reporting of this late payment violates the accuracy and verification requirements of federal law. 

Legal Basis for This Dispute XXXX. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers ( such as XXXX XXXX ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

XXXX. FCRA 1681s-2 ( b ) Once a dispute is received, you are legally required to : Conduct a reasonable investigation, Review all evidence I provide, Report your findings to all credit bureaus, and Correct or delete any information that is inaccurate or can not be verified. 

XXXX. FCRA 1681i ( a ) ( 5 ) ( A ) If XXXX XXXX can not verify the accuracy of the late payment with documented proof, the item must be deleted or corrected within 30 days. 

Requested Action I request that XXXX XXXX : Perform a full reinvestigation of the late payment being reported. 

Provide written verification and documentation proving the payment was late ( including due date, payment posting date, and notice of delinquency ). 

If verification can not be provided, immediately delete or update the entry to reflect Paid as Agreed or on-time payment status. 

Notify all credit reporting agencies of the corrected information. 

Provide me with a written response confirming the results of your investigation. 

Please note that FCRA 1681i ( a ) ( 1 ) requires the reinvestigation to be completed within 30 days of receiving this notice. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or pursuit of remedies under FCRA 1681n and 1681o.

Thank you for your attention. I expect a written response within the required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several accounts listed on my Equifax credit report. I believe the following accounts contain inaccurate information, and I request a thorough investigation and correction. Additionally, I am concerned that some of these accounts may be impacted by data breaches. I believe the inaccuracies violate the Fair Credit Reporting Act ( FCRA ), and I respectfully request that they be corrected. 
Personal Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Report XXXX : [ Yesterday 's Date ] Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 
o Balance : {$1700.00} o Status : In dispute o Reason for Dispute : Inaccurate balance reporting, possible incomplete payment history reporting ( FCRA violation, Section 1681c ). 
XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
o Balance : {$870.00} o Status : In dispute o Reason for Dispute : Discrepancy in balance and payment history, as well as missing payment details ( FCRA violation, Section 1681b ). 
XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
o Balance : {$1400.00} o Status : In dispute o Reason for Dispute : Inaccurate reporting of credit limit and balance, including lack of proper documentation ( FCRA violation, Section 1681e ).

FCRA Violations : Section 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy of reported information.

Section 1681s-2 : Requires data furnishers to provide accurate and complete information.

Section 1681c : Negative items must be removed after 7 years unless otherwise specified. 
Potential Data Breach Concerns : Discrepancies in these accounts suggest that there may have been a breach or unauthorized access to my personal data, resulting in errors on my credit report. Please conduct a thorough investigation into the accuracy of these entries and determine if a data breach has impacted my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint to resolve unauthorized, unverified, and inaccurate items reported on my TransUnion credit report. 

XXXX. Charged Off Disputed The following accounts are incorrectly reported and I request verification or removal : XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$570.00} XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX. Inquiries Disputed There are no disputed inquiries on my TransUnion report at this time. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payments need to be verified or removed : XXXX  XXXX, Acct # : XXXX XXXX  XXXX XXXX, Acct # : XXXX XXXX  XXXX, Acct # : XXXX XXXX XXXX XXXX, Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my Experian credit report. The following accounts are incorrect or incomplete, and I request that these items be thoroughly investigated and corrected or removed : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reported as charged off with a balance of {$0.00}. Please investigate and verify the accuracy of this account. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the legitimacy of this inquiry and ensure it is accurately reported. 

XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Please verify this inquiry and correct any discrepancies. 

Late Payment : XXXX XXXX Account Number : XXXX Issue : The late payment reported may be incorrect. Please verify this and correct the payment history if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

Im not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to 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