vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CO

Complaint narrative:
Called company from XXXX to XXXX to get payments lowered or lease terminated and return furniture. The company refused to terminate lease or lower payments. They said the only way to get out of the finance agreement is to pay over triple the original price of my bedroom frame and mattress. I originally bought it for XXXX XXXX XXXX XXXX XXXX XXXXXXXX the XXXX XXXX XXXX and XXXX XXXX XXXX together. I have had difficulty paying these high interest loans now saying I have to pay now up to {$5000.00} for the payments to stop. I already paid past the amount of {$1200.00} + {$990.00} = {$2200.00}. So far I have paid up to almost {$3000.00}. So a lot more than the original price. I need to get out of this finance agreement. The sale person at XXXX XXXX XXXX in XXXX, Colorado told me that this wasnt going to occur and that I dont need to worry about these big numbers on the contract. I asked him multiple times and let him know about my financial hardship. He was trying really hard to pursues me to buy this headboard and mattress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Reinvestigation & Deletion of Unverifiable Information Under the FCRA To Whom It May Concern, I am formally disputing information contained in my credit report under 15 U.S.C. 1681i. I request a reasonable reinvestigation of all information in my file that can not be verified. 
Federal law requires you to complete the reinvestigation within 30 days, verify information with the furnisher, delete unverifiable items, and provide written results with an updated report. 
If any item can not be verified with competent evidence, it must be deleted promptly. 
I have enclosed copies of my ID, SSN, and proof of address. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I opened a dispute with XXXX XXXX on XX/XX/year>. Dispute case # XXXX. The dispute was created because I never received my item, ( XXXX XXXX XXXX ) for {$170.00} purchased from XXXX seller XXXX. After providing photos, and email proof through first class mail documents and uploading to the XXXX website, XXXX denied my dispute. The Fed XXXX delivery photo on XX/XX/year> shows my package was not delivered to my house and I never received it. The photo is not my house and there is no house number included in the photo. The XXXX seller also failed to include a signature confirmation upon delivery. This package wasn't signed for. I reported it to Fed XXXX and opened a missing package claim on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/year> XXXX  emailed me and confirmed they could not locate my package and advised me to contact my bank for a refund. I also opened a case with XXXX and XXXX appeals and all were denied. An XXXX representative explained that it is XXXX policy to deny cases solely when tracking shows " delivered '', even if the buyer never received the item. I provided the email from XXXX confirming my package is lost, photos of my actual house, XXXX  delivery photo, and email from XXXX encouraging me to open a chargeback with my financial institution. Because the seller failed to ensure delivery to the correct address, I'm requesting a full chargeback. Im asking for a refund of the full amount of {$170.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off account that is appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having this account fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. XXXX. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. XXXX. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-10 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off account that is appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having this account fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. XXXX. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. XXXX. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I was charged a very high amount of interest that does not add up at all to what the interest rate should be and I continue to get charged interest on that incorrect increase. I reported this problem to the company and they have not done anything to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: IL

Complaint narrative:
To whom this letter may concern, I am writing to inform u I have been trying to dispute an account that i asked multiple times to provide me proof of my signature and proof that the account belongs to me, of which they have yet to provide me with other the writing to tell me that the account has been verified but no paperwork to show how they verified that the account was opened by me. The account in question is XXXX Credit Card Service for the amount of {$430.00}. I recently asked for a credit block for this account, but was informed by Transunion that they will not provide me with the block. I am requesting a block under FCRA 605B. This letter is a formal demand for the immediate and permanent deletion of a fraudulent account that continues to reappear on my credit file despite previous disputes. The account account does not belong to me regardless of them paying however many payments toward it. This is not my account, I had no knowlege it was open under my name, I didn't authorize or give my consent to open this account, this is a result of identity theft. FCRA 605B obligationn to block fraudulent information FCRA 611-Duty to reinvestigate disputed information FCRA 611 ( a ) ( 5 ) ( B ) Restrictions on reinserting previously deleted information FCRA 623-Furnisher responsibility to report accurate informatioon I already complied on my end by supplying u with all documents threw mail to prove my identity, now please provided me with proof of my signature on any documents u have and proof of how u verified it was me, along with any documents I submited to prove it was me during the time the application was open by me, or remove this from my credit report or I will proceed with legal actions.

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 2025-12-10 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: AL

Complaint narrative:
I just want to Follow up this complaint because all three credit bureaus Experian, Equifax, and TransUnion are reporting inconsistent, inaccurate, and conflicting information regarding several DEPTEDXXXX XXXX XXXX XXXX  accounts, and these discrepancies violate my rights under FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S. Code 1666a. Experian reports multiple DEPTEDXXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balances {$5100.00} ; {$6800.00} ; {$1800.00} ; {$780.00} ; and {$2600.00} * * ) all showing the same Date of Last Activity of XX/XX/XXXX, Date Reported XX/XX/XXXX, and late 90, 120, and 150 days, while TransUnion reports these exact same accounts with Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, and only late 90 and 120 days, and Equifax reports the DEPTEDXXXX account ending in {$2600.00} with DLA XX/XX/XXXX, Date Reported XX/XX/XXXX, and late 90 and 120 days none of which match one another, proving that at least two bureaus must be reporting errors. In addition, Experian has already deleted all XXXX XXXX accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet Equifax still reports XXXX XXXX XXXXXXXX with late 30, 60, and 90 days, and TransUnion continues to report multiple versions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30, 60, 90 days from differing dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none of which match each other or the now-deleted Experian entries. These mismatches different Dates of Last Activity, different reporting dates, different late histories, data shown as deleted by one bureau but active on another, and contradictory timelines demonstrate a complete failure by the furnishers and credit bureaus to follow federal law, investigate disputes properly, correct known inaccuracies, and maintain consistent records as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Amount in Dispute : {$6800.00} Creditor/Collection Firm : LVNV Funding LLC I am formally disputing the reported balance of {$6800.00}, which has been charged off and placed for collection. LVNV Funding LLC has failed to provide sufficient proof of contract assignment, ownership, or legal right to collect this alleged debt after acquisition. To date, no documentation has been provided that establishes a valid chain of title or demonstrates their authority to report or pursue the debt. 

Previous Dispute Attempts : TransUnion Dispute XX/XX/XXXX Denied TransUnion Dispute XX/XX/XXXX Denied TransUnion Dispute XX/XX/XXXX Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Subject : Formal Complaint & Request for Investigation Credit Collection Services Reporting Inaccuracy Furnisher : CREDIT COLLECTION SERVIC ( CCS ) Account Number : XXXX To Whom It May Concern : I am submitting this complaint regarding an account being reported by Credit Collection Services ( CCS ) under account number XXXX. I believe this account is being reported inaccurately, incompletely, and without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The following issues require investigation : XXXX. The debt has not been properly validated. 
CCS has not provided me with any original documentation proving I owe this balance to XXXX, nor have they provided a signed agreement, itemized billing history, or proof that they have legal authority to collect on this account. 
XXXX. The information being furnished contains inconsistencies and potential inaccuracies. 
The account is reported as an Open Account while simultaneously labeled as a Collection. 
No documentation has been provided showing how the {$120.00} balance was calculated. 
CCS has not proven chain of custody or ownership from the original creditor, which is required for accurate reporting. 
XXXX. Possible improper updating or re-aging of the account. 
The Date Updated of XX/XX/year> and the estimated removal date of XXXX/2030 raise concerns about potential re-aging, which is prohibited under FCRA 623. 
If CCS can not provide clear documentation of the original delinquency date from XXXX, the account must be corrected or deleted. 
XXXX. Incomplete or unverifiable information should not be reported. 
CCS is furnishing information without providing validation when requested, which violates FDCPA 809 ( a ) and FCRA accuracy requirements. 

Because CCS is reporting information that appears unverified, inconsistent, or incomplete, I am requesting that the CFPB : Require CCS to provide full debt validation, including Original contract Itemized charges Proof of assignment or ownership Documentation of the true date of first delinquency OR Direct CCS to delete the account from all credit bureaus if they can not validate the debt according to federal law. 

I request a full investigation into this matter and written confirmation of the results. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation