vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Dispute Against LVNV Funding Request for Immediate Deletion of Invalid Collection Account To the Consumer Financial Protection Bureau, I am filing this formal complaint against LVNV Funding LLC, a third-party debt collection agency that has reported a collection account on my credit report. I dispute the validity of this debt and request an immediate investigation and deletion based on the following consumer protection laws : Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 1. Lack of Proper Validation : LVNV Funding has failed to provide full validation of the alleged debt as required under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ).

No signed contract, itemized billing statement, or chain of title has been provided to prove ownership of the debt or the legitimacy of the amount claimed.

2. Reporting Inaccurate Information : LVNV is furnishing derogatory information to the credit reporting agencies without verified evidence, which is a violation of FCRA Section 1681i ( a ).

This entry is causing material harm to my credit profile without verified legal standing.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 1. Unfair or Deceptive Collection Practices : LVNV Funding has failed to verify the debt before continuing collection efforts and reporting to CRAs, violating FDCPA Section 1692e ( 8 ) ( communicating false credit information ).

2. Failure to Cease Collection After Dispute : Under FDCPA 1692g ( b ), collection activity must cease until debt validation is provided. LVNV has continued reporting despite no sufficient proof of the debt being furnished.

Relief Requested : In light of the above violations, I respectfully request that the CFPB : Investigate this matter and compel LVNV Funding to provide full validation.

Delete the collection entry immediately from all credit reporting agencies if they can not validate the debt per federal standards. 
Impose any appropriate penalties or sanctions as necessary for non-compliance. 

Please confirm receipt of this dispute and inform me of any updates regarding this investigation. I appreciate your assistance in enforcing my rights under federal consumer protection laws. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because EXPERIAN failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on [ insert date ], the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank Act.

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 2025-05-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. Code XXXX ( b ) and XXXX U.S. Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-23 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This is a formal complaint concerning the continued reporting of two closed and fully paid accounts as derogatory late payments on my TransUnion and Experian credit reports. The HOME POINT account ( TransUnion ) and the WFS account ( Experian ) both reflect {$0.00} balances and {$0.00} past due amounts, and yet they remain flagged with negative late payment history. These accounts have long been resolved, closed, and carry no outstanding obligations. Their continued presence on my reports serves no legitimate purpose other than to damage my creditworthiness.

As outlined under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include. Reporting a {$0.00} balance and {$0.00} past due on closed accounts while maintaining derogatory marks is misleading and lacks context. It unfairly penalizes consumers by presenting outdated information as if it is relevant to their current financial status. These accounts are nearly a decade old and their derogatory notations are no longer representative of my current credit behavior. Their continued presence, especially without current delinquency or outstanding balance, is harmful, misleading, and lacks legal justification under the Fair Credit Reporting Act.

Additionally, there is concern that these reporting inaccuracies may be a result of outdated, unverified, or mishandled data, potentially stemming from broader systemic issues such as data breachesan increasing issue impacting credit data integrity across the industry.

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 2025-05-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section XXXXB of the FCRA ( 15 U.S.C. XXXX ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date 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 2025-05-23 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: AL

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section XXXXB of the FCRA ( 15 U.S.C. XXXX ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX PA XXXX Subject : Formal Dispute of Accounts and Inquiries Due to Data Breach Immediate Removal Required Under FCRA 605B & 609 ( b ) To Whom It May Concern, This letter serves as a formal dispute of several unauthorized accounts and hard inquiries that are reporting inaccurately on my TransUnion credit report due to multiple confirmed data breaches that exposed my personal identifying information without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 609 ( b ), I am demanding the immediate removal of the following fraudulent accounts and inquiries that were not authorized by me and may be a result of identity theft or misuse of my data : Disputed Collection Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Disputed Hard Inquiries : 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 As someone whose information has been compromised, I am demanding that you do not use the automated E-Oscar system to verify these items, as that system has repeatedly failed consumers who are victims of identity theft and data breaches. A manual investigation must be conducted, and full results must be provided under 15 U.S.C. 1681i. 

Furthermore, under the Uniform Commercial Code ( UCC ), I challenge the legal basis and original wet signature contracts that allegedly authorized these inquiries and accounts. If you can not produce them, you are legally obligated to delete the accounts immediately. 

Failure to remove these items within five ( 5 ) business days will result in immediate legal action including, but not limited to, complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and possible litigation for willful noncompliance and damages under 15 U.S.C. 1681n. 

This is your legal notice. Govern yourselves accordingly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion 's handling of my dispute appears to be in violation of several provisions of the Fair Credit Reporting Act, codified at 15 U.S.C. 1681i.Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reinvestigation within 30 days of receiving notice of a dispute. My dispute was initiated by phone on XX/XX/2025, and as of this writing, I have not received any written confirmation of completion or resolution. This suggests a failure to complete the reinvestigation within the statutory timeframe.Under 15 U.S.C. 1681 ( a ) ( 6 ) ( A ), the agency must provide the consumer with written notice of the results of the reinvestigation, including a copy of the consumer report if any changes are made. I have received no written communication from TransUnion regarding the outcome of my XXXX dispute, nor any update through mail or email.Under 15 U.S.C. 16811 ( a ) ( 5 ) ( A ), if the disputed information is inaccurate, incomplete, or can not be verified, it must be deleted from the file. On XX/XX/2025, a TransUnion supervisor confirmed by phone that the companies associated with the inquiries did not respond. Despite this, the disputed hard inquiries remain on my report, which constitutes a violation of their duty to delete unverifiable information.

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 2025-05-23 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: OK

Complaint narrative:
Over 2 years ago my student loans were completed and done, credit report has shown accounts closed and satisfied since XXXX. Between XX/XX/XXXX, and XX/XX/XXXX of XXXX XXXX has reopened an old account and placed it in open status for the amount of XXXX. I have not, and will not ever be furthering my education since its completion in XXXX. This activity by XXXX is fraudulent and has raised my debt number and lowered my credit score ( according to XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: OK

Complaint narrative:
Over 2 years ago my student loans were completed and done, credit report has shown accounts closed and satisfied since XXXX. Between XX/XX/XXXX, and XX/XX/XXXX of XXXX XXXX has reopened an old account and placed it in open status for the amount of XXXX. I have not, and will not ever be furthering my education since its completion in XXXX. This activity by XXXX is fraudulent and has raised my debt number and lowered my credit score ( according to 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 non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation