vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC is reporting a {$700.00} collection account on my XXXX XXXX profile and marked it as closed immediately after I initiated a dispute. This appears to be a deceptive maneuver to preserve the derogatory mark without removing it, even though the account was challenged and no valid documentation has been provided. Rather than delete the item in compliance with federal law after the dispute, they simply changed the statuskeeping the negative item on my profile in bad faith. 



This account does not appear on any of the three major credit bureaus ( XXXX XXXX XXXX XXXX  ). It only appears on XXXX XXXX, which is known to pull directly from Equifax. If LVNV were legitimately furnishing this data, it would appear on at least one of the primary bureau reportsnot solely on XXXX XXXX third-party interface. This raises serious questions about the authenticity and legality of the data transmission. 



Applicable Legal Violations : FCRA 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified within the required time ( 30 days ), it must be deleted. LVNV failed to delete the entry after dispute and instead labeled it closed, which circumvents this rule.

FCRA 1681s-2 ( b ) ( 1 ) ( D ) After being notified of a dispute, a furnisher must remove or correct inaccurate, incomplete, or unverifiable information. LVNV did not provide any evidence of verification and retained the entry.

FCR

A 1681e ( b ) Requires maximum possible accuracy in reporting. Reporting a closed account that never had supporting data validated through dispute violates this duty.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate. The absence of this data from all three bureaus strongly suggests that LVNV is knowingly reporting unverifiable data to third-party platforms. 

Deceptive Trade Practices ( FTC Act 5 ) Misrepresenting the status of a disputed collection to maintain derogatory credit impact constitutes deceptive and unfair business practices under federal trade law. 



Requested Action : I request the Consumer Financial Protection Bureau to : Investigate LVNV Funding LLC for violating the Fair Credit Reporting Act. 

Demand full deletion of this account from all platforms and third-party credit viewers. 

Impose penalties or refer this to the FTC or state Attorney General for deceptive practices. 

Ensure LVNV ceases any practice of mislabeling or retaining disputed accounts to manipulate credit visibility. 



This conduct is misleading, harmful, and unlawful. I request immediate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, Venmo deactivated my account and cited unusual activity without providing any specific explanation. I submitted a valid government-issued ID as requested. The funds in my account are legitimate payments for construction materials and supplies related to a renovation project. 

I connected my XXXX bank account per their instructions, but I am still unable to transfer the funds. Ive reached out to Venmo for assistance and clarification, but was told the case is closed and no further communication will be accepted. 

This issue is now directly impacting my business operations and my clients project. I am requesting assistance in obtaining clarity and access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-01 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: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. regarding the account listed above, which you are reporting as a collection account on my credit report via Experian.

Upon thorough review, this account is being reported in violation of multiple provisions of federal law, and I demand its immediate deletion from all consumer reporting agencies.

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. This account : Lists a factoring company account, which is not the original contract, making it incomplete and misleading. 
Reflects a debt buyer reporting as a factoring account with no substantiation of contractual rights or chain of assignment from XXXX XXXX XXXX XXXX 
Fails to reflect accurate payment history, as it lists collections only in XXXX and XX/XX/XXXX, but updates the account through XX/XX/XXXX, creating ambiguity and misleading delinquency reporting. 
15 U.S.C. 1681e ( b ) You have failed to ensure maximum possible accuracy. The following inaccuracies exist : The account was opened XX/XX/XXXX but shows collection in XX/XX/XXXX, within 4 months a questionable timeline for charge-off and sale. 
The debt buyer is reporting this as an open account, yet it is a third-party collection, which must be reported as a closed account, per XXXX XXXX and industry-standard guidance. 
15 U.S.C. 1681i ( a ) Incomplete and unverifiable accounts must be deleted if they can not be validated within 30 days of dispute. You have not furnished documentation verifying : The original signed contract with The Bank of Missouri.

The legally binding chain of title ( bill of sale and assignment ).

Full itemization of the alleged balance.

Proof of notice sent to the consumer prior to reporting the collection.

FDCPA Violations : 15 U.S.C. 1692e ( 8 ) Reporting information that is known to be false or misleading to credit bureaus constitutes deceptive collection practices. This includes : Failure to report the debt as disputed to Experian as required.

Listing the account in a manner that inflates its age and misrepresents its legal status.

15 U.S.C. 1692g If you have not sent a debt validation notice within five days of initial communication, your reporting is unlawful. You are required to cease collection and delete the account until validation is provided.

Demand for Immediate Deletion Due to the above violations, I am demanding that Credit Corp Solutions Inc. :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AN NOTICED A FRAUDULENT ACCOUNT ON MY FILE. PLEASE INVESTIGATE AND DELETE THIS ACCOUNT FROM MY REPORT.

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 2025-07-01 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: OH

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AN NOTICED A FRAUDULENT ACCOUNT ON MY FILE. PLEASE INVESTIGATE AND DELETE THIS ACCOUNT FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$4900.00} to satisfy our escrow account for the next year as Carrington allows additional payments for escrow. When I made my XX/XX/year> payment of {$1400.00} on XX/XX/year>, a deduction of XXXX for escrow was still deducted despite paying/satisfying our escrow account for the next year on XX/XX/year>. I called XXXX to learn why we were still being charged a monthly escrow payment since I paid our escrow balance for the year on XX/XX/XXXX and I was advised that Carrington does not allow us to pay our escrow balance and that the monthly amount for our escrow will still be taken out every month. My husband and I do not believe it is legal and lawful for Carrington to continue to deduct funds for our escrow account after we have satisfied our escrow account for the next 12 months. I took a screenshot of our mortgage history clearly showing the escrow payment I made on XX/XX/year> in the amount of {$4900.00} and that it was collected/counted toward our escrow balance. This morning I took a screenshot of the payment I made yesterday showing an escrow deduction still taken out as if I had not paid our escrow account balance off for the year. A screenshot of the Carrington contact number was taken to match the phone number I called. I also recorded the call I made to Carrington this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Subject : Inaccurate and Unverified Collection Account Reported by AMSHER COLLECTIONS I am filing this complaint regarding a collection account reported by AMSHER COLLECTIONS, originally from XXXX XXXX XXXX showing on my credit reports with XXXX XXXX XXXX. The account number ends in XXXX and the balance is reported as {$570.00}. 

Despite previously disputing this account, it continues to appear as a derogatory collection on both bureaus. The account status is inconsistently reported : XXXX shows the account as open and still derogatory, with the remark Dispute resolved ; reported by grantor. 
XXXX shows the account as closed and derogatory, with the remark Account was in dispute- now resolved. 

I submitted written disputes, but neither bureau nor AMSHER COLLECTIONS has provided any proper documentation to validate this debt. No contract, no signed agreement, no payment history, and no verification of AMSHERs legal right to collect on this alleged balance has been provided. 

This inconsistent, unverifiable, and potentially inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have also received no IRS Form 1099-C, so it is unclear whether the debt has been charged off or canceled.

Requested Resolution : I respectfully request that the CFPB : 1. Require AMSHER COLLECTIONS to provide full validation of the alleged debt, including assignment from XXXX XXXX balance breakdown, and original agreement. 
2. Instruct XXXX XXXX XXXX to either provide full verification or remove the account entirely. 
3. Investigate any potential FCRA and FDCPA violations related to how this account has been handled, verified, or reported. 

I have attached my original disputes, proof of identity, and excerpts from my credit reports for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX : {$30.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$630.00} Open Date XX/XX/XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance XXXX {$760.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Balance XXXX {$600.00} Open Date XX/XX/XXXX XXXX Balance : {$420.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

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 explanation
Consumer complaint received 2025-07-01 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.

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
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IA

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 non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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