vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist & Formal Demand for Deletion of Unverified Account from Credit Report Re : Account Reference # XXXX Original Creditor : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Current Owner : LVNV Funding LLC Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute and demand cessation of all collection and credit reporting activity related to the above-referenced account. You are reporting or attempting to collect a debt allegedly owed to LVNV Funding LLC, originally from a XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ). 

Under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt in writing, all collection activity and credit reporting must cease until the debt is fully validated. To date, I have not received proper validation proving your legal right to collect, including a complete accounting, the original contract bearing my signature, and assignment of ownership from the original creditor. 

In accordance with 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information may not report information it knows or has reasonable cause to believe is inaccurate. Continuing to report this account without full validation violates the FCRA and FDCPA.

Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the accuracy of an account can not be verified, the credit reporting agencies must delete the item from the consumers credit file. Since the debt has not been substantiated with verifiable proof, continued reporting is unlawful. 

Therefore, I am demanding that you : 1. Cease all collection activity, including phone calls, letters, and credit reporting related to this account.

2. Delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) immediately.

3. Provide written confirmation of deletion and cessation of collection activity within 30 days, as required by federal law. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. I expect full compliance within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PR

Complaint narrative:
Experian 's response to my ID theft open account dispute is to contact the company directly because they can't contact me. This means that the information XXXX XXXX has is incorrect, which shows they can not verify my information. Delete the account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX Like the FCRA says for section 605b and 611

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 2025-11-03 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: Oliphant United, Inc.
State: PA

Complaint narrative:
I am disputing inaccurate credit reporting by several companies. 

XXXXXXXX XXXX issued an IRS Form 1099-C, canceling the debt, yet it still shows as charged-off or with a balance. This violates FCRA 1681s-2 ( b ). 

XXXX XXXX XXXX is reporting a collection as open and ignored my debt validation request under the FDCPA. 

Oliphant USA LLC ( linked to XXXX ) re-reported a previously disputed account.

XXXX XXXX XXXX failed to properly investigate or correct these items under FCRA 1681i. 

I request CFPB oversight to ensure deletion or correction of all inaccurate accounts and written confirmation of results. Attached is my dispute package with all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: KS

Complaint narrative:
I respectfully request that the following accounts be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$11000.00} INQUIRIES XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$1800.00XXXX XXXX  XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$480.00} XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$6600.00} I am disputing the accuracy of these charged-off reports. Please provide original account documentation or remove the items. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX I do not recall authorizing these credit pulls. Please verify they were obtained with my written consent or remove them. 

Late Payments XXXX XXXX, Acct : XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX These late payments appear inconsistent or inaccurate. I request verification of all dates and amounts or deletion if unverifiable.

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 2025-11-03 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: MD

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-03 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: CO

Complaint narrative:
I dispute the accuracy of the following accounts reported by Equifax. These accounts are incorrectly listed as charged off and late payments are inaccurately reported. Please review these accounts and ensure they are correctly updated, or remove them if they can not be verified. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX  Balance : {$1100.00} Late Payments : XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with TransUnion. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: NM

Complaint narrative:
Auto lender refusing payment arrangements and threatening repossession I am a co-borrower on an auto loan with Global Lending Services in New Mexico. The primary borrower filed bankruptcy, and XXXX stated I would be able to keep the car and continue payments. I have been making my regular monthly payments and recently paid {$330.00} on the account. 

On XXXX XXXX informed me that a repossession order was issued on XXXX. They stated I must pay approximately {$4000.00} today to stop repossession, and they refused to accept any reasonable payment arrangements or hardship options despite my good-faith effort and consistent payment history. They also refused to provide written proof of denial when asked. 

I have limited funds and depend on this vehicle for transportation for myself and my young child. I am requesting assistance to require XXXX  to pause repossession, provide written acknowledgment of my efforts to resolve this, and offer a reasonable payment arrangement or reinstatement option. 

Supporting documents available : bank statements showing payments, call notes, and confirmation of bankruptcy by co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
I was looking at my credit report on XXXX and noticed the inaccurately reported on my credit reports with Experian, Equifax, and TransUnion. The account shows : XXXX Reported balance of {$470.00}, exceeding the credit limit of {$300.00}. 
XXXX Payment history errors : only 25 % of payments are shown as on time ; the last reported payment is XX/XX/XXXX, even though the account remained active until XX/XX/XXXX. 
XXXX Conflicting account status : simultaneously listed as Closed, Charge-off, and In Collections. 
XXXX Misleading dispute remarks : Dispute resolved by grantor is inaccurate and does not reflect the actual dispute outcome. 
XXXX Missing minimum payment information. 

I have filed more than five prior complaints with the CFPB regarding this account, yet the inaccuracies remain.

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 2025-11-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was looking at my credit report on XXXX and noticed the inaccurately reported on my credit reports with Experian, Equifax, and TransUnion. The account shows : XXXX Reported balance of {$470.00}, exceeding the credit limit of {$300.00}. 
XXXX Payment history errors : only 25 % of payments are shown as on time ; the last reported payment is XX/XX/XXXX, even though the account remained active until XX/XX/XXXX. 
XXXX Conflicting account status : simultaneously listed as Closed, Charge-off, and In Collections. 
XXXX Misleading dispute remarks : Dispute resolved by grantor is inaccurate and does not reflect the actual dispute outcome. 
XXXX Missing minimum payment information. 

I have filed more than five prior complaints with the CFPB regarding this account, yet the inaccuracies remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
I am writing to file a dispute regarding the following items on my credit report that I believe are inaccurate or incomplete. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am requesting a reinvestigation of inaccurate information being reported on my Experian credit report. 

Charged-Off Account XXXX XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance : {$0.00} This account is listed as charged off with a XXXX balance. If there is no outstanding debt, this reporting appears misleading. I am requesting full verification of this tradeline, or its removal if the charge-off can not be substantiated. 

Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I do not recall authorizing these inquiries or multiple entries by the same creditor. I am requesting verification that I provided proper consent for these hard inquiries, or their removal if not authorized. 

Late Payments XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX These late payment notations appear inaccurate or unverified. I am requesting that Experian confirm the accuracy with the furnishers or remove any unverifiable late payment data.

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