vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
On XX/XX/year>, I submitted a dispute to Equifax regarding several fraudulent accounts resulting from identity theft. I included a valid FTC Identity Theft Report, a police report, and identified multiple accounts that do not belong to me. 

Shockingly, Equifax responded the same day with a XXXXpage dispute results file claiming they had completed a reinvestigation. This is not a real reinvestigation under the Fair Credit Reporting Act ( FCRA ), which allows 30 days. A same-day responsewithout contacting me, the furnishers, or verifying supporting documentationstrongly suggests Equifax just auto-verified the accounts. 

I am requesting CFPB intervention and enforcement due to Equifaxs failure to follow FCRA 611 and 605B.

The accounts I disputed include : XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Collection These accounts continue to report inaccurately, despite valid fraud documentation being provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I had made a {$200.00} payment on my XXXX store credit card, and another payment on XX/XX/year> for the remaining statement balance of {$190.00}. On XX/XX/year>, I had checked on the XXXX credit card Comenity website and saw that my availabile credit had updated to {$390.00}, which was my reasoning for my payments, as I had a salon appointment on XX/XX/XXXX and planned to use my XXXX card to obtain a double point promotion for credit card holders. On XX/XX/XXXX, I double checked the availabile credit on the Comenity/XXXX  website and saw it still said {$390.00} availabile credit before my appointment. 
After my service was completed and I went to checkout, my Comenity issued XXXX card declined for {$370.00}, which is less than the {$390.00} amount of credit that showed availabile. The cashier had tried to run my card for {$100.00}, which also declined. This was when I called the Comenity customer service line on the back of the card, and despite the IVR phone line also confirming I have {$390.00} in availabile credit, when I spoke with a customer service representative, I was informed that I really don't have the credit availabile if I had recently made payments. I asked her if she was able to provide me with an accurate amount of credit I had availabile, she had replied " unfortunately, no, or else I would. '' I feel that Comenity used deceptive tactics for cardholders, as availabile credit would mean the credit is availabile to be used at that moment. I have other cards that don't update the availabile balance until the payment fully clears, so why doesn't Comenity use that verification method if they need to employ deception? Because of this, I missed an opportunity to take part in a great point promo as an XXXX customer, had to face humiliation by having a card decline even though I had made sure to pay the card off and was shown I had the funds availabile to me, spent money I hadn't budgeted for because I planned on using my XXXX card to pay for my services which will cause me unnecessary stress since I was shown the credit was availabile before my appointment, and additional time wasted spent as the checkout process is meant to be quick, not a stressful situation over a declined card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have been sued by LVNV Funding on behalf of XXXX XXXX XXXX  The amounts were wrong the first time but by the 3rd court visit, I just agreed to pay 40 % and move on. Fast forward 6 months. They sued me again for the same company. I feel like I shouldnt owe them anything after my first settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: 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 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 2025-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XXXXOn XXXX XXXX XXXX I submitted a request, via email and telephone calls, for an Assumption Package for my VA loan from Mr. Cooper mortgage company. After numerous emails and telephone calls, I finally received the Assumption Package on XXXX XXXX XXXX over two weeks after my initial request. After repeated requests for various documentation, which was provided on the same day each time it was requested, all documentation requested by Mr. Cooper was provided by XXXX XXXX XXXX Despite repeated attempts to move the process forward, as of XXXX XXXX XXXX no closing date has been provided, and communication from Mr. Cooper staff has been non-existent. They won't tell me, the buyer, the buyer's real estate agent, or the title company, when we can expect to close on this house. It's been over 2 1/2 months since the original request for the Assumption Package and none of us have any idea when this loan assumption will close. My buyer is an XXXX veteran and it wouldn't surprise me if Mr. Cooper is being unhelpful in this matter due to that fact. I'm also sure they'd rather my low interest loan be paid off and not assumed.\n\nMost concerning has been the conduct of Senior Loan Processor XXXX XXXX, who admitted during a phone conversation with the current loan holder that he failed to act on submitted documentation for nearly two weeks. This delay has caused significant hardship for all partiesinvolved and may jeopardize the transaction through no fault of the buyer or seller.\n\nThis is a VA-backed mortgage loan, and the assuming party is a qualified veteran borrower.\n\nMr. Coopers lack of timely and transparent processing appears to contradict standard servicing obligations under VA guidelines.\n\nRequested Resolution:\n Immediate review and prioritization of the VA loan assumption \n Assignment of a responsive point of contact to oversee the closing\n Confirmation of an estimated closing timeline within four (4) business days\n A formal response addressing the mishandling of documents and delay"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: DISCOVER BANK
State: OR

Complaint narrative:
I am filing a complaint regarding Discovers mishandling of fraudulent charges on my account, as well as the continuous failure to resolve my disputes. 

I first noticed fraudulent charges from XXXX on my account in the amounts of {$20.00} and {$19.00}. I promptly disputed these transactions on XX/XX/XXXX. Despite my clear indication that these were unauthorized charges, Discover closed the dispute on XX/XX/XXXX, claiming the charges were valid, which I dispute. The merchant in question is based in XXXX, and I have never authorized any purchases from them nor used XXXX XXXX in XXXX or XXXX. 

I filed multiple complaints through the CFPB and communicated my frustration with Discovers handling of the situation, including the fact that they failed to open a legitimate fraud dispute until XX/XX/XXXX. I have still not seen any evidence that a dispute was initiated on my behalf or that any actions were taken to resolve the fraudulent charges. 

As of XX/XX/XXXX, the following issues remain unresolved : XXXX. Unresolved Fraudulent Charges : The fraudulent charges from XXXX are still visible on my account, despite my dispute and the supposed fraud investigation that was initiated. 

There has been no permanent credit issued for these fraudulent transactions. I still see where they issued and then removed a credit twice, seemingly overcharging me by not only removing the credit but then charging the amount a second time. I see a possible temporary credit from a random XXXX date not mentioned by their CFPB response, but it is temporary and did not change my balance so doesn't appear to be a real provisional credit. That was XXXX, it is now XXXX. 

XXXX. Improperly Closed Disputes : The initial fraud dispute was closed without providing any meaningful investigation or rationale, and I was not given an opportunity to submit any evidence to support my claim. 
The response I received from Discover was a generic letter with no meaningful updates or resolution, and no new dispute shows on my account. 

XXXX. Failure to Reverse Interest & Late Fees : Despite the ongoing issue with fraudulent charges, I have been charged absolutely outrageous late fees and interest, which I am not responsible for. 

These fees were incurred during the period when Discover mishandled my fraud disputes and failed to resolve the situation in a timely manner. 

XXXX. Lack of Communication and Transparency : The response from Discovers Executive Office of Customer Advocacy has been dismissive and has not addressed any of my concerns. 

Discovers failure to act on the fraud dispute for over XXXX months has caused unnecessary financial hardship, and the lack of transparency has further complicated the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). The following items violate 15 USC 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), 15 USC 1681s-2 ( duties of furnishers to provide accurate information ), and 15 USC 1681i ( 5 ) ( removal of inaccurate items ). I request immediate investigation and deletion of these items per 15 USC 1681i ( 5 ). Below are the disputed items, organized by category, with details and reasons for inaccuracy.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX  XXXX XXXX Balance : {$310.00}

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX  XXXX XXXX Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am filing a complaint regarding a charge-off that appears on my credit report with an original balance of approximately {$670.00}. This account has since been paid in full, yet the furnisher continues to report it as a charge-off. 

I am disputing this item for the following reasons : 1. The reporting is inconsistent and unverifiable across credit bureaus, which may violate FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 611, both of which require that all information furnished be accurate and verifiable.

2. Under IRS Code 6050P, any canceled or discharged debt of {$600.00} or more requires the creditor to issue Form 1099-C to the IRS and the consumer. Despite meeting that threshold, I have never received a 1099-C, and my IRS transcript reflects no record of one being filed.

I am requesting that the furnisher provide the following : Full validation of the account, including the exact timeline and amount charged off A copy of any 1099-C issued or filed If the furnisher can not provide these documents and confirm compliance with federal credit and tax laws, I request that the charge-off be immediately removed from my credit report. 

Furthermore, if the debt was previously canceled and later collected without proper disclosure or tax documentation, I am requesting a full refund of the amount I paid.

Company response to consumer: Closed with explanation