vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: NE

Complaint narrative:
Saying I still owe XXXX but paid in full had to move due to black mold. They never contacted me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm am filing this complaint against XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies for multiple violations of the FCRA, 15 U.S.C. 1681 et seq. ) and the FDCPA, 15 U.S.C. 1692 et seq. ) concerning the unlawful reporting of a repossessed auto loan account. 

The account in question ( XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) was previously deleted from my credit reports. However, it was later reinserted as a negative charge-off and verified as accurate without any notice of reinsertion, supporting documentation, or validation of debt.

This conduct violates the following federal laws : FCRA 1681i ( a ) ( 5 ) ( B ) Reinserted deleted information without providing me written notice within five ( 5 ) business days.

FCRA 1681i ( a ) ( 1 ) ( A ) Failed to conduct a reasonable reinvestigation after my dispute ; the investigation results merely stated Verified as Accurate and Updated with no proof.

FCRA 1681e ( b ) Continued to report inaccurate and conflicting data, including improper payment dates and balances that do not reflect the repossession.

FCRA 1681s-2 ( b ) Failed to investigate and correct disputed information after receiving notice from the credit bureau .

FDCPA 1692e ( 8 ) Continued to report the account as negative and charged off while it was actively disputed, communicating false credit information.

FDCPA 1692g ( b ) Continued reporting and collection without providing validation of the alleged debt.

FDCPA 1692f ( 1 ) Attempted to collect or report an amount not authorized by agreement or permitted by law.

As a result of these actions, I have suffered credit score damage, emotional distress, and financial loss. Pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) and 1692k ( a ) ( 2 ) ( A ), I am requesting statutory damages of {$1000.00} per violation and actual damages totaling {$15000.00}, for a combined compensation request of {$21000.00}. 



I am requesting the CFPBs intervention to compel XXXX  XXXX XXXX XXXX XXXX and the credit bureaus to : -Permanently delete the XXXX  XXXX account from all consumer reporting agencies. 
-Provide written confirmation that the account has been removed and will not be r-einserted. 
-Investigate the companys repeated violations of the FCRA and FDCPA. 
-Enforce penalties or corrective actions as permitted by law. 



I have attached supporting documents, including my dispute letters. This account continues to cause harm and must be removed immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
I'm am filing this complaint against XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies for multiple violations of the FCRA, 15 U.S.C. 1681 et seq. ) and the FDCPA, 15 U.S.C. 1692 et seq. ) concerning the unlawful reporting of a repossessed auto loan account. 

The account in question ( XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) was previously deleted from my credit reports. However, it was later reinserted as a negative charge-off and verified as accurate without any notice of reinsertion, supporting documentation, or validation of debt.

This conduct violates the following federal laws : FCRA 1681i ( a ) ( 5 ) ( B ) Reinserted deleted information without providing me written notice within five ( 5 ) business days.

FCRA 1681i ( a ) ( 1 ) ( A ) Failed to conduct a reasonable reinvestigation after my dispute ; the investigation results merely stated Verified as Accurate and Updated with no proof.

FCRA 1681e ( b ) Continued to report inaccurate and conflicting data, including improper payment dates and balances that do not reflect the repossession.

FCRA 1681s-2 ( b ) Failed to investigate and correct disputed information after receiving notice from the credit bureau .

FDCPA 1692e ( 8 ) Continued to report the account as negative and charged off while it was actively disputed, communicating false credit information.

FDCPA 1692g ( b ) Continued reporting and collection without providing validation of the alleged debt.

FDCPA 1692f ( 1 ) Attempted to collect or report an amount not authorized by agreement or permitted by law.

As a result of these actions, I have suffered credit score damage, emotional distress, and financial loss. Pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) and 1692k ( a ) ( 2 ) ( A ), I am requesting statutory damages of {$1000.00} per violation and actual damages totaling {$15000.00}, for a combined compensation request of {$21000.00}. 



I am requesting the CFPBs intervention to compel XXXX  XXXX XXXX XXXX XXXX and the credit bureaus to : -Permanently delete the XXXX  XXXX account from all consumer reporting agencies. 
-Provide written confirmation that the account has been removed and will not be r-einserted. 
-Investigate the companys repeated violations of the FCRA and FDCPA. 
-Enforce penalties or corrective actions as permitted by law. 



I have attached supporting documents, including my dispute letters. This account continues to cause harm and must be removed 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding contacted me claiming I owe a debt. I requested written validation of the debt, but I have not received proper proof that the debt is valid or that they are authorized to collect it. 

I want verification of the original creditor, an itemized breakdown of the amount owed, and documentation showing I am legally responsible for the debt before any further collection activity continues. 

I am submitting this complaint because I have not received the requested validation and I do not want any further contact until the debt is verified in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I am officially requesting the deletion of this incorrect account from my credit report, as I never authorized its creation or usage. Supporting documents are attached to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$7600.00} Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$6300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TU

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-10-22 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: MA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Sinccerely, 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 2025-10-22 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ), Transunion has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-22 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: FL

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies XXXX, XXXX and Experian for their continued violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and unverifiable information on my credit report. Despite my efforts to resolve these matters directly with the credit bureaus, they have failed to meet their legal obligations under the FCRA. The following accounts are being improperly reported : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX These accounts have been disputed directly with the credit bureaus, yet they remain on my report despite violations of the FCRA, including failure to ensure accuracy under 15 U.S.C. 1681e ( b ), as the credit bureaus have reported inaccurate and unverifiable information. Furthermore, the accounts were not flagged as " disputed '' during investigations, in violation of 15 U.S.C. 1681c ( f ), and inaccurate or unverifiable information remains on my credit report despite the obligation to delete such data under 15 U.S.C. 1681i ( a ) ( 5 ). I have disputed these items directly with the credit bureaus multiple times, yet they have failed to investigate thoroughly, provide validation or verification of these accounts, or remove inaccurate or unverifiable accounts from my credit report. I am requesting the CFPB to investigate these violations and hold the credit bureaus accountable for their non-compliance. I ask that the CFPB require the removal of the disputed accounts listed above from my credit report and enforce compliance with the FCRA to ensure that my rights as a consumer are protected. These repeated violations not only undermine my rights under federal law but also negatively affect my financial stability. I trust the CFPB will take swift action to address these issues and hold the credit bureaus accountable. Thank you for your attention to this matter. Please contact me via the information provided above if further details are required.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am requesting that your agency conduct a full reinvestigation into the accuracy and legitimacy of this collection account, including but not limited to : XXXX. Verification of the account 's validity, origin, and ownership. 
XXXX. Confirmation of proper notification of debt and collection attempts. 
XXXX. Compliance with federal and state consumer protection laws, including the FDCPA and FCRA. 
XXXX. Verification that the reporting agency has proper documentation to substantiate the debt, including original account agreements, payment history, and itemized statements. 

Please be advised that I am not acknowledging ownership or responsibility for the alleged debt, nor am I waiving any rights under state or federal law. This letter constitutes a formal dispute under 15 U.S.C. 1681i ( a ) and a request for investigation, including the requirement that you : Contact the furnisher of the information ( if applicable ) ; Review all supporting documentation ; Delete or correct any information that can not be verified within XXXX  days ; and Provide me with a copy of the results of your investigation, as well as an updated credit report. 

If your investigation concludes that the account is accurate and will remain, I request that you provide a complete description of the procedures used to determine the accuracy and completeness of the information under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to properly investigate and respond within the required timeframe may constitute a violation of the FCRA and could result in legal action to enforce my rights. 
Thank you for your immediate attention to this matter. I expect your written response within XXXX  days from receipt of this letter, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC : WRONG INFORMATION & IDENTITY THEFT ( XXXX  YEARS ) XXXX XXXX XXXX  : UNABLE TO VERIFY AND NEVER HEARD OF THEM ( XXXX  YEARS ) XXXX XXXX XXXX : UNAUTHORIZED COLLECTIONS PLUS REOPENED INVOLVED COVID ( XXXX  YEARS ) TXU : PAID {$70.00} AND RECEIVED NEW SERVICE ( XXXX  YEARS ) XXXX XXXX : REOPENED AND UNAUTHORIZED ( XXXX  YEARS ) ALSO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: TN

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

XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX A XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-10-22 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: FL

Complaint narrative:
I am sending to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that the following inaccurate items be permanently deleted, as they are not accurate, complete, or verifiable. These inaccuracies have caused me stress, hindered my financial opportunities, and misrepresented my creditworthiness. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Lender XXXX XXXXXXXX XXXX  XXXX Current Balance {$4000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My info was leaked in the XXXX XXXX  and I have disputed everything that isn't mine or is incorrect but nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
My info was leaked in the XXXX XXXX  and I have disputed everything that isn't mine or is incorrect but nothing has been done

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 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN HONDA FINANCEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN HONDA FINANCE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

AMERICAN HONDA FINANCE XXXX

Company response to consumer: Closed with explanation