vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX va XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Formal Dispute of Inaccurate Reporting Dear transunion I am formally disputing inaccurate and unauthorized information currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 611. 

The disputed item ( XXXX ) are as follows : Creditor/Collection Agency/Company XXXX transunion Account/Inquiry Number XXXX XXXX XXXXXXXX Reported Status : Charge-Off In Collections Date XXXX I assert that this information is inaccurate, unverifiable, and misleading. Reporting this account/inquiry damages my creditworthiness and violates my rights under federal law. 

Accordingly, I demand the following : That you conduct a full reinvestigation into the disputed item ( XXXX ). 

That you cease and desist from reporting or publishing this inaccurate/unverified information until the furnisher provides documented proof of its accuracy. 

If such documentation can not be provided, the account/inquiry must be deleted from my credit file immediately. 

Under the FCRA, you are required to complete this investigation within 30 days of receiving this letter and provide me with a written response. If the disputed items are not properly verified, you must remove them and issue me a corrected credit report. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. 

Enclosed are copies of my government-issued identification, proof of address, and supporting documents related to this dispute. 

This letter serves as both a formal dispute and a cease and desist request regarding the inaccurate reporting. 

Thank you for your immediate attention to this matter. 

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a debt collection account from LVNV Funding LLC on my credit report in the amount of {$390.00}, allegedly for XXXX XXXX XXXX XXXX XXXX, with a reported opening date of XX/XX/XXXX. I do not recognize this debt and have never received proper validation. On XX/XX/XXXX, I mailed LVNV Funding LLC a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. I dispute the validity of this debt and request that LVNV Funding LLC either provide full validation or remove the account from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am submitting this complaint because Upgrade Inc. and the collection agency involved have failed to comply with federal law regarding the validation and reporting of this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I exercised my right to request full validation of this alleged debt, including the original signed agreement, a full accounting of the debt, and the legal chain of assignment. Despite my timely and proper request, the collector failed to provide the required validation and continues to report and pursue this account. This violates not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that only accurate and verifiable information be furnished to credit reporting agencies. Continuing to report unverifiable information is illegal and damaging to my credit profile. I am requesting the CFPB to investigate this matter and compel the company and any associated collection agency to : - Provide full, proper validation of the debt as required by law ; or - Cease all collection activity and remove all reporting of this account from my credit reports with all bureaus immediately. This companys failure to follow federal law has caused harm to my creditworthiness and financial standing, and I expect this to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Fraudulent accounts are reporting on my credit file that I did not open or authorize, including : XXXX XXXX ( {$490.00} reported XX/XX/XXXX ), XXXX XXXX ( {$1200.00} reported XX/XX/XXXX, and {$590.00} reported XX/XX/XXXX ). In addition, XXXX XXXX filed a civil lawsuit in XXXX XXXX claiming a business loan I never applied for or received. I sent disputes and requested validation from the companies but they failed to provide contracts or proof. Under FCRA 605B and 623, furnishers must block identity theft accounts and investigate within 30 days. These accounts are inaccurate and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This complaint is being filed against Experian Information Solutions XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Colorado Fair Debt Collection Practices Act ( XXXX ), XXXX. XXXX et seq. 

Summary of Issue : I disputed a collection account being reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX Bank, XXXX, balance : {$2300.00}, date opened : XX/XX/XXXX ). Despite my dispute, Experian failed to properly reinvestigate the tradeline and instead confirmed the inaccurate reporting. On XX/XX/XXXX, Experian notified me that the account would remain unchanged. 

Violations Identified : 1. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( 15 U.S.C. 1681i ) : Experians investigation merely confirmed the data with XXXX and did not require legally sufficient documentation. 
2. Reporting of Inaccurate Information FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : PRA has provided no proof of ownership, chain of title, or account-level documentation establishing accuracy. 
3. Misrepresentation of Verification FDCPA 809 ( 15 U.S.C. 1692g ) : Litigation filed by PRA is being used as a substitute for validation, which is improper and unlawful.

4. Misleading Notations CFDCPA, C.R.S. 5-16-101 et seq. : The tradeline is reported as both Collection/ {$2300.00} Past Due and Previously disputed consumer disagrees, which is misleading and prejudicial.

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 2025-08-23 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX - {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4600.00} Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS
State: TX

Complaint narrative:
breach of my personal information with Lexis Nexis, leading to false information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
To : ExperianXXXX XXXXXXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> Subject : Request to Block Adverse Information Under 15 U.S.C. 1681c-3 XXXX XXXX XXXX Dear Experian, I am submitting this request under 15 U.S.C. 1681c-3 of the Fair Credit Reporting Act, as I am a confirmed victim of XXXX XXXX Under this provision, a consumer reporting agency must block and remove any adverse items of information resulting from XXXX XXXX from the consumers credit file. 
Enclosed are the following : 1. A XXXX  victim determination from [ insert name of official agency or service provider ]. 
2. A copy of my government-issued photo ID.

3. Proof of my current address.

4. A detailed list of accounts and adverse information that resulted from the XXXX  situation. 
Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * XXXX XXXX XXXX XXXX Acct XXXX XXXX Charge-off * XXXX XXXX XXXX XXXX XXXX Multiple student loans late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I request the deletion of the XXXX fraudulent XXXX XXXX accounts ( {$1200.00} reported XX/XX/XXXX, and {$590.00} reported XX/XX/XXXX ). I also request written confirmation that these accounts have been permanently deleted, will not be reinserted, and that XXXX ceases all collection or reporting activity on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-23 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: CA

Complaint narrative:
To Whom It May Concern, I give the CFPB permission to act as a witness and to act on my behalf in the receiving and delivering all communication and information regarding this claim. Any refusal of response will be handled accordingly to the fullest extent of the law. 

I am writing to dispute the accuracy of an account listed on the credit report for XXXX XXXX maintained by your bureau. This account does not belong to me. I have never signed any contract with XXXX XXXX XXXX and I do not owe any debt. The information being reported is also incomplete and inconsistent with information of other credit bureau reports and the information provided by XXXX XXXX XXXX. 


I am requesting a reinvestigation of this account. I also demand a detailed description of the method used to verify this information, a copy of the procedures your bureau follows in conducting investigations, and a current copy of the credit report for XXXX XXXX. 

Specifically, please provide : The name, address, and telephone number of the entity that verified the account. 

The verification method and supporting documentation. 

A copy of any records provided by the furnisher of the information. 

A detailed outline of your investigative process. 

If this account can not be verified with proper documentation, I request that it be immediately removed from my credit report. I expect your full appropriate response within XXXX calendar 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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. I was directly impacted by the XXXX  data breach, and I am concerned that the accounts listed below may have been compromised or reported in error as a result. Accounts Under Dispute : Best Buy/CBNA Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : Closed XXXX XXXX  Store Date opened XXXX XX/XX/XXXX XXXX Balance : {$2700.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXXXXXX XXXX Balance : {$2100.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$990.00} | Status : Open XXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Closed XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$5800.00} | Status : Closed XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$18000.00} | Status : Account charged off. {$19000.00} written off. {$18000.00} past due as of XX/XX/XXXXXXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Open The Home Depot/Citibank Date opened : XX/XX/XXXX | Balance : {$5200.00} | Status : Closed XXXX Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : Open XXXX XXXX  Date opened : XX/XX/XXXX | Balance XXXX {$7100.00} | Status : Open XXXX Date opened : XX/XX/XXXX | Balance : {$490000.00} | Status : Open Because of the XXXX  data breach and the exposure of consumer information, I can not confirm the accuracy or validity of these accounts as reported. I am requesting that you provide full documentation and verification from the original creditors. If you can not verify the accuracy of these accounts, they must be removed from my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct or delete any information that can not be verified within 30 days of receipt. Under the FDCPA, I have the right to request the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed explanation or documentation showing that I am legally obligated to pay this debt ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Proof that your agency is licensed to collect debts in my state. Please treat this letter as a formal request to cease all collection activities until the requested validation. If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it. This is not a refusal to pay, but a request for validation. Thank you for your cooperation.

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 2025-08-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief