vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency Experian Equifax TransUnion the filed with your agency Experian Equifax TransUnion the failure to correct and remove this information after my attempts to resolve it is in violation of your obligation under the fair credit reporting act as recently highlighted in the comments financial protection bureau 's lawsuit against case No 8 : 25-cv-24 according to 15 USC code 1681c-2 you have broken the law by reporting false information on my credit report knowing it's inaccurate remove this fraudulent information from my credit report immediately or I would be moving forward with filing a lawsuit against your agency Experian Equifax TransUnion 15 USC code 1992cc , 15 USC code 6802, 15 USC code 1681B, 15 USC code 1671E, 18 USC code 1028A 1099c requested FINAL DEMAND AND WRIT TO CURE

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 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
I applied for a mortgage through this lender and relied on guidance provided by the assigned loan officer regarding income documentation and tax return amendments. Based on that guidance, I incurred out-of-pocket costs, including an appraisal fee and expenses related to amending tax documents. 

Throughout the process, communication was delayed and underwriting issues were not clearly or timely explained, which prevented me from addressing deficiencies or mitigating losses before my purchase contract failed. The loan was ultimately denied after weeks of documentation and effort. 

The lender later acknowledged communication delays but denied responsibility for the financial harm caused. I am filing this complaint due to negligent guidance, poor communication, and failure to exercise reasonable care during the mortgage application process, which resulted in avoidable financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to LVNV Funding LLC. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that LVNV Funding LLC is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am contacting you regarding the XXXX XXXX event for which I purchased the XXXXXXXX XXXX, advertised to include the experience with XXXX cast members including XXXX XXXX, exclusive merchandise, a laminated XXXX badge, along with a smaller XXXX-only experience. Unfortunately, the event did not deliver the items or experience I paid for. Specifically : Only XXXX cast members appeared, despite the XXXX XXXXe explicitly promoting XXXX XXXX as part of the lineup. 
There was no XXXX merchandise provided. A handwritten sign stated that merch was sold out, even though XXXX XXXX were sold with merch included. 
I did not receive the laminated XXXX XXXXe that was part of the package. 
The XXXX experience was significantly oversold. Event staff allowed people inside the theater who did not have tickets to the event. Instead of an intimate group of XXXX, there were approximately XXXX people crowded together for XXXX line of XXXX, another line of XXXX which had about XXXX people and another XXXX people in the GA line eliminating the exclusive experience promised. 
This was not a simple lineup change, the advertised VIP benefits were not delivered, which constitutes a failure to provide the services and items I paid for. I am requesting a full refund for the XXXX package due to non-fulfillment of the contracted XXXX amenities. Please let me know what additional information you need from me. I can provide screenshots of the XXXX package description, photos from the event, and my ticket confirmation. Thank you for your time and assistance. I look forward to resolving this matter promptly. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Someone has used my personal information without my permission to open accounts I never authorized.I have nothing to do with those accounts.I have tried multiple times to contact EQUIFAX and the involved banks to request the immediate blocking of these fraudulent accounts and to obtain a prompt resolution to my case... However, the only response I keep receiving is that they are unable to assist me fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Dear Credence Resource Management , LLC, I am writing to formally dispute the collections related to my account due to a breach of my personal information, in violation of the Family Educational Rights and Privacy Act ( FERPA ). My information was compromised without my authorization, and as a result, I am requesting the immediate cancellation and discharge of the collections. I did not receive the details regarding these collections until XXXX months after the initial date. 

Additionally, the XXXX XXXX XXXX XXXX ( XXXX ), codified at 47 U.S.C. 227, addresses unsolicited communications, including text messages. Under 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ), I believe my rights have been violated. 

Collection details : - Resolve your XXXX  account XXXX with a balance of {$770.00} for only {$540.00} - Resolve your XXXX account XXXX for {$540.00} Given the severity of this breach and its impact on my financial and personal security, I urge you to take immediate action. Please confirm receipt of this dispute and provide the initial contact regarding this service, including a timeline for resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

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 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 2025-12-15 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: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX.A breakdown of what this alleged balance is based on, including dates and itemized charges. 

XXXXDocuments showing where this obligation originated and how your company obtained it. 

XXXXAny agreement, application, signature, contract, or document that links me to the account. 

XXXX.Proof your company is authorized and licensed to collect in my state, including registration details. 

XXXXAny notices or communications you claim you sent before reporting the account to the credit bureaus. 

XXXXThe identity and address of the original creditor, along with the original account details. 

XXXXEvidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX XXXX 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am writing to dispute the following items on my Equifax credit report. Upon reviewing my report, I identified several inaccuracies, and I request an immediate investigation and correction of the following discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) : Personal Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX Date of Birth : XX/XX/year> SSN : XXXX XXXX XXXX  1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} Date Opened : XXXX Discrepancy : The account is incorrectly marked as " Negative, '' while it is actually in good standing. This is a violation of FCRA Section 1681e ( b ), which requires accurate reporting of the account 's status. 
2. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Date Opened : XXXX Discrepancy : The reporting for this account is inconsistent across different bureaus, which violates FCRA Section 1681i ( a ), regarding the accuracy and integrity of information provided to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

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

Company 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 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX Acct XXXX XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX Acct # XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$1300.00} XXXX XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$2000.00} XXXX XXXX  Acct # XXXX XXXX opened XX/XX/XXXX, balance {$470.00} XXXX XXXX  Acct # XXXX XXXX opened XX/XX/XXXX, balance {$1400.00} XXXX XXXX  Acct # XXXX XXXX opened XX/XX/XXXX, balance {$1000.00} XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$280.00} ( reported twice ) XXXX XXXX XXXX Acct # XXXX, opened XX/XX/XXXX, balance {$620.00} XXXX  XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$0.00} XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$330.00} XXXX XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$630.00} I dispute the accuracy, ownership, balances, and charge-off status of these accounts. TransUnion has not provided proper documentation proving these accounts were verified. I request a reinvestigation and correction or deletion of any information that can not be fully verified.

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 2025-12-15 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:
I am a consumer working to repair my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Experian is reporting on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure that all reported information is accurate and properly verified.

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute due to inaccuracies in balances, dates, and account status : XXXX Card Acct # XXXX, opened XX/XX/XXXX, balance {$7700.00} XXXX XXXX XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$1900.00} I dispute the accuracy, ownership, balances, and charge-off status of these accounts. Experian has not provided documentation demonstrating that these accounts were properly verified, including complete payment histories and legal documentation. I request that Experian conduct a reinvestigation and remove or correct any information that can not be fully verified. 

Late Payment Reporting Experian is reporting late payments on the following accounts, which I dispute : XXXX XXXX XXXX XXXX Bank XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX I dispute the accuracy of these late payments and request that Experian provide documentation proving these were correctly reported. Any unverifiable late payments must be removed.

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