vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they

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 2025-11-14 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: The Bureaus, Inc.
State: IL

Complaint narrative:
This letter is a formal demand that you immediately cease and desist all communication with me regarding any alleged debt. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am exercising my legal right to stop all further contact. Effective upon your receipt of this letter, you are forbidden from contacting me by phone, text, email, mail, or through any third parties, including my workplace. The only permissible communications under federal law are : Notice that you are ending collection efforts ; Notice of specific remedies you may invoke ; or Notice that you intend to invoke a specific remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
The company began contacting me several days a week.Through phone calls, emails mails and voicemails.Even after I communicated a major hardship my vehicle was total and I lost income from rideshare work. This information was conveyed directly to a representative named XXXX XXXX by phone. There are several discrepancies in the company 's documents : the initial finance date was XX/XX/XXXX, but the company also listed XX/XX/XXXX as date related to a refinancing. The day Inception date listed in the judgment is XX/XX/XXXX, less than XXXX month before the complaint was filed on XX/XX/XXXX. The complaint amount stated verbally during the hearing was XXXX but the written judgment is listed as about XXXX. There were multiple clerical errors, including an address for me on the complaint. The company appears as National Finance Company XXXX XXXX in the communication, but the complaint lists them as National Finance Company, creating confusion about the correct legal entity. The XXXX individuals involved were named XXXX XXXX and XXXX XXXX, but the company represented presented at the small claims hearing where never introduced. The company filed claimed ( XX/XX/XXXX ) that went to small claims court on XX/XX/XXXX, and the defendant pro say file an appeal on XX/XX/XXXX, after expressing my hardship with the company, they knowingly move forward prematurely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for systematically violating the Fair Credit Reporting Act ( FCRA ) by furnishing patently inaccurate and unverifiable information to Experian concerning two accounts : # XXXX XXXX ( Line of Credit ) and # XXXX XXXX  ( Credit Card ). 

Despite a formal dispute submitted to Experian, XXXX XXXX 's subsequent " re-investigation '' was legally deficient. They did not correct the errors but instead provided " updated '' information that is internally inconsistent and logically impossible, proving a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

Specific Evidence of Inaccuracies : Account # XXXX XXXX XXXX The furnisher changed the " past due '' amount from {$5400.00} to {$5300.00} while the principal balance remained a static {$5500.00} for over 12 consecutive months, with corresponding {$0.00} payments reported for each of those months. This is a mathematical and legal impossibility for a revolving account and proves the data is automated and unverified. 

Account # XXXXXXXX XXXX XXXX  The furnisher reported a perfectly static balance of {$7900.00} for 1XXXX straight months, again with {$0.00} payments reported monthly. This robotic data is definitive proof of no meaningful account review. 

This is not an isolated error. It reflects a documented, systemic pattern at XXXX XXXX, which was previously sanctioned by the CFPB in the XXXX Consent Order ( Docket # XXXX ) for furnishing information " it knew or had reasonable cause to believe was inaccurate. '' XXXX XXXX 's willful non-compliance with its FCRA duties has caused tangible harm to my creditworthiness and is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my Equifax credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am filing this complaint against National Credit Systems for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3.Gramm-Leach-Bliley Act ( GLBA ) -Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/XXXX, XXXX To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Request for Removal of Bankruptcy from Credit Report Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and outdated information on my credit report. Specifically, a bankruptcy is still being reported even though it is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ). 

Details of the Bankruptcy : Type : XXXX XXXX  Case Number : XXXX Date of Discharge : XXXX XXXX Credit Bureaus Reporting : Equifax, XXXX XXXX According to FCRA, bankruptcies may only be reported for 10 years from the date of discharge. My bankruptcy was discharged on XXXX XXXX, which is more than 10 years ago. Therefore, this information is outdated and must be removed immediately. 
I have already disputed this with the credit bureaus, but the item remains. I am requesting CFPBs assistance to ensure compliance with federal law and removal of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report and request your assistance in resolving the issues as outlined below. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
LVNV FUNDING LLC IS TRYING TO COLLECT ON A DEBT THAY IS FRAUD I HAD SPOKEN WITH THE REPRESENTATIVE OF THIS COMPANY AND HE ASSURED ME THESE DEBTS WILL COME OFF MY CREDIT I AM WORKING AVIDLY WITH A FRIEND OF MINE WHO OWNS A CREDIT REPAIR COMPANY TO GET THESE DEBTS REMOVED THEY ARE NOT MINE AND LVNV FUNDING KNOWS THIS I HAVE TRIED MULTIPLE TIMES TO EXPLAIN TO THIS COMPANY THE DEBTS ARE NOT MINE AND ARE NOT OWED THE XXXX XXXX POLICE IS AWARE THAT LVNV FUNDING DEBTS ARE NOT MINE AND THEY NEED REMOVED OFF MY CREDIT REPORT ALL OF THEM AND XXXX XXXX XXXX WHO SEEMS TO HAVE SOME KIND OF PARTNERSHIP WITH LVNV FUNDING THE FTC IS AWARE AND SO IS THE XXXX WHICH THE XXXX HAS ATTEMPTED TO REMOVE THESE DEBTS AND THEY KEEP TRYING TO REPORT ON MY CREDIT THEY WERE REMOVED AND THEN LVNV FUNDING ILLEGALLY PUT THESE ACCOUNTS BACK ON MY CREDIT PROFILE I AM ATTACHING THE POLICE REPORT SO THAT IT IS MADE AWARE THAT THIS COMPANY IS BREAKING THE LAW THE XXXX HAS TOLD THEM NOT TO REPORT THE FALSE DATA BUT IT SEEMS THEY CONTINUE TO DO SO I NOW HAVE THE FBI INVOLVED WITH THIS CASE DUE TO THE FRUAD LVNV IS COMMITTING THEY ARE INVESTIGATING THIS MATTER AND THE CFPB SHOULD TOO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

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 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 2025-11-14 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability 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 non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-11-14 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-14 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:
Account name XXXX Account XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/year> I checked my credit report and noticed this account is fraudulent and is negatively impacting my credit. I need you to remove it, please, as it could affect my ability to get credit in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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