vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This complaint concerns TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX XXXX XXXX tradeline reported on my personal credit report. 

On XX/XX/XXXX, I mailed a full dispute package to TransUnion and XXXX XXXX. This included a fraud dispute letter, police report ( XXXX XXXX, approved XX/XX/XXXX ), fraud affidavits, and a communications log. The XXXX XXXX account had been canceled by me but continued to be used without my knowledge or consent by a third party. Despite this, XXXX reported a derogatory tradeline on XX/XX/XXXX. 

TransUnion responded on XX/XX/XXXX, stating the account was verified as accurate and only updated minor information. They did not acknowledge or address the mailed documentation. Their online portal restricted uploads due to file naming rules ( i.e., forbidden characters ), which made it impossible to upload critical documents. Only XXXX attachments were accepted online. 

Because of this, I submitted a formal reinvestigation request online on XX/XX/XXXX, referencing XXXX XXXX XXXXXXXX. I again asked TransUnion to review the full dispute package mailed on XX/XX/XXXX and reinvestigate manually. That letter is attached here for your reference. 

From XXXX XXXX XXXX, I received conflicting and confusing communications from TransUnion. XXXX message said results were ready. Another stated the investigation was still In Process with a completion date of XX/XX/XXXX. The online portal offered no clarity. As of XX/XX/XXXX, I have no confirmed resolution, and the fraudulent tradeline remains. 

TransUnions handling of this matter violates the Fair Credit Reporting Act. They failed to consider timely, material evidence. They also erected avoidable technical barriers to submission of supporting documents, obstructing the dispute process and preventing a fair review. 

I request that the CFPB : Compel TransUnion to delete the fraudulent XXXX XXXX ; Ensure a proper reinvestigation occurs with full review of the evidence submitted ; XXXX TransUnion to notify all third parties who received the inaccurate 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 2025-06-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 EQUIFAX EXPERIAN TRANSUNION

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 2025-06-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 EQUIFAX EXPERIAN TRANSUNION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am disputing a Banco Popular credit card account that was closed and charged off in XXXX. The charge-off amount was {$3800.00}. My last payment on the account was made on XX/XX/XXXX, and no further activity has occurred since then. 

Despite this, XXXX continues to report the account as Late or Charged Off every month through XXXX, XXXX, and even XX/XX/XXXX. This is misleading and inaccurate. A charge-off is a one-time event, and there is no valid reason to show continuous monthly delinquencies on a closed account with no activity for over 3 years. 

I disputed this account directly with XXXX  and requested documentation to justify the continued reporting. XXXX  responded by updating minor account fields, but failed to correct the core issue or provide verification as required by the Fair Credit Reporting Act ( FCRA ). 

I am asking the CFPB to investigate this matter and ensure that all inaccurate entries from XXXX onward are removed, or that the entire account be deleted if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Ally Financial Customer Service line to request an extension for the XXXX payment of {$440.00}. It was originally due XX/XX/XXXX. On that same day, XX/XX/XXXX, it was approved for a payment extension of 2 months. According to the extension agreement ( XXXX ) The minimum payment required to finalize the extension is due within 10 days of the date on the letter ( which is XXXX, XXXX ) of {$260.00}. On XX/XX/XXXX, I made a payment of {$260.00} to finalize the extension agreement per the contract. ( 8 days from XXXX XXXX ). In addition to the agreement, beginning with the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a Monthly basis thereafter, all remaining scheduled payments have been extended by 2 months. As a result, a scheduled payment of {$170.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$440.00} each will be due on a Monthly basis beginning XX/XX/XXXX. 56 scheduled payments will be extended. The extended amount is equal to {$21000.00}. ( please reference to Extension agreement # XXXX ). I met all the stipulations of the agreement by making the said amounts on the due dates according to the contract. Please explain why XXXX and XX/XX/XXXX Car loan payment was reported 30 days late on all 3 credit bureaus XXXX XXXX and XXXX. If an approved payment extension was given for 2 months, how can it be a late payment. This negligence negatively affected both me and the joint account holders credit scores by XXXX points. We demand to remove this false report from both our credit reports. This credit slander is preventing us from applying for another loan and tarnishing our credit report. I made several attempts to make this right by fair investigation. But I was left with the complete opposite. Both Executive representatives who investigated my case did not due diligence and were unprofessional for that matter. On XX/XX/XXXX, I spoke to XXXX via phone call, and I was informed that Ally Financial requested another 60 days to conduct the investigation. I have not heard back since. We demand this to be corrected ASAP. 
Sincerely, - Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: WA

Complaint narrative:
I requested a credit limit increase on XX/XX/year>, through ( XXXX XXXX ) XXXX XXXX XXXX XXXX. The language did not clearly indicate that a hard inquiry would be performed. It only vaguely referenced possible access to my credit report without specifying the type of inquiry or the potential credit score impact. I did not knowingly consent to a hard pull, which now shows on my credit 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 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I kept disputing this information to let them know this debt is not mines. They removed from my credit file but added it right back. They're asking for XXXX something i do not owe i disputed this XXXX times. No information been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I reviewed my Equifax credit report and noticed that I have XXXX hard inquiries from XXXX XXXX -- I am shocked. I have been a customer of this company for years. I have amassed a credit limit of {$3700.00}. I only order shoes from XXXX 's Credit. Recently, within the last year, I have noticed that XXXX 's is pulling my credit with a hard inquiry and they have not notified me that they would do so when I call in to order shoes.The representative only asks me if I want to use my XXXX 's account -- the one that is already established. 
I have not given them permission to pull my credit via a hard inquiry to buy some shoes. I have XXXX hard inquiries on my Equifax report : XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I am completely done with this company over this practice. If they don't trust me, then don't give me a credit limit. I have many credit accounts and when I want to make a purchase, they do not pull my credit report, nor do I authorize them to do so. They make soft inquiries to check on my payment patterns. Also, they report my payment history to help me build my scores and reputation, unlike XXXX 's. Hard inquiries stay on credit reports for XXXX years and cause damage to credit scores as well as opportunities to obtain credit from other creditors. 
I know the impact to your credit score of hard inquires. XXXX 's also does not report to any of the XXXX major credit bureaus, so why are they pulling credit reports when people call in to place orders? I could understand if I were a brand new customer. I have proven that I pay my bills and this is an unethical practice that needs to stop. I have filed a dispute with Equifax regarding this. I had to file XXXX with XXXX  a couple of months ago, and XXXX 's removed the hard inquiry. They are not right for doing this. I am trying to increase and not decrease my credit score. I only allow my credit to be pulled for major things like new credit cards, or loans. I will be ordering my shoes from elsewhere moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), n
egligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 2025-06-22 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: CA

Complaint narrative:
I am filing this complaint regarding an XXXX XXXX account ( ending in XXXX ) that inaccurately reports 30/60/90-day delinquencies from XXXX to XX/XX/2025. The payment history shows a payment made in XX/XX/ 2025 and no activity in XXXX or XXXX, yet late marks begin in XXXX without a verifiable sequence of events. 

This reporting is factually inconsistent and misleading. The account has remained open and unpaid for over 90 days without being charged-off or properly transferred to collections, violating XXXX XXXX reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ). 

I previously submitted a dispute to the credit bureau, but the tradeline was merely updated without any supporting documentation or full payment record from XXXX. This response failed to satisfy the requirements under FCRA 607 ( b ), which mandates that only accurate and fully verifiable information be reported. 

This is not a request for correction I am seeking formal regulatory review. If XXXX can not provide full and legally sufficient documentation to support the reporting, I am requesting full deletion of this tradeline from all consumer reports.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$2500.00} balance Violation : Conflicting account status and credit limit reporting ; charge-off while listed as open and past due. 
Law : 15 U.S.C. 1681i, 1681s-2 ( b ), Metro 2 Demand : Delete for unverifiable status, inaccurate high credit limit, and lack of contract.

2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Status : * * Collection for {$2000.00} Violation : Improper aging of payment history, marked as 120 days late ; no signed documentation provided.

Law : 15 U.S.C. 1681e ( b ), 1681b Demand : Remove immediately for lack of permissible purpose and unverifiable data.

3. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Status : * * Charged-off with {$3200.00} Violation : High credit reported as {$3200.00} while past due balance exceeds that ; factual contradiction under Metro 2 .

Law : 15 U.S.C. 1681e ( b ), Metro 2 Demand : Delete immediately due to factual inaccuracy.

4. XXXX XXXX XXXX XXXX XXXX  Status : * * Charge-off with {$270.00} balance Violation : Reported as in dispute, then resolved without verification ; shows closed but reported as active.

Law : FCRA 1681s-2 ( b ), CFPB enforcement on XXXX  & XXXX  for sham dispute practices RDemand : Remove account due to failure to verify and improper reinvestigation.

5. XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$590.00} past due Violation : Misleading status ; no contractual agreement provided ; long dormancy period with inconsistent updates.

Law : 15 U.S.C. 1681i, Metro 2 Demand : Delete for unverifiable status and noncompliance.

6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$630.00} Violation : Disputed multiple times ; no method of verification provided; duplicate entries found on TransUnion and XXXX. 
Law : 15 U.S.C. 1681s-2 ( b ), 1681b Demand : Remove immediately due to unverifiable and duplicated reporting.

7. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$570.00} Violation : Same as above ; multiple trade lines referencing the same debt under different numbers. 
Law : Metro 2 Guidelines & 15 U.S.C. 1681e ( b ) Demand : Delete as duplicate and unverifiable.

8. XXXX XXXX XXXX XXXX XXXX Status : * * Charge-off with {$1100.00} Violation : Balance exceeds credit limit ; high credit reporting is inconsistent with credit line.

Law : FCRA 1681e ( b ), 1681s-2 Demand : Delete due to Metro 2 and factual reporting violation.

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 2025-06-22 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00}

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