vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i, regarding the inaccurate reporting of the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Status : Charge-off ( Paid in Full/ Closed ) According to my records, this account was paid in full on XX/XX/year>, with a {$0.00} balance. Despite this, my credit report continues to show it as a charge-off and/or with inaccurate status or balance information. This is misleading, incomplete, and not in compliance with the accuracy requirements of 15 U.S.C. 1681e ( b ).

Under 15 U.S.C. 1681i ( a ), you are required to : Conduct a reasonable reinvestigation of this disputed information.

Correct the account to reflect paid in full with a XXXX balance. 

Delete any inaccurate or unverifiable reporting, including the charge-off notation, if it can not be verified in its current form. 

Provide me with a written statement of the results within 30 days.

I request that you immediately : Remove or correct any charge-off designation that misrepresents the current status of this account.

Ensure the payment history accurately reflects the payoff and {$0.00} balance.

Provide copies of all documentation used to verify the continued charge-off reporting.

Please note : under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted. If your investigation confirms that the current reporting is inaccurate or misleading, you must correct or remove it.

Enclosed are copies of [ payment confirmation, settlement letter, bank statement, proof of identity ] to assist in your investigation.

Failure to comply with your obligations under the FCRA may result in my pursuing legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-13 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: MI

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). 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 2025-08-13 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: MO

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had consistent, persistent problems with Truist Bank in terms of communication about risk/ compromise of my accounts. Credit card compromise in the past three years, most recently compromise of my online banking password.

Yesterday, while logging in online, I received a notification on the Truist site ( on my new Mac computer ) online banking site that my particular password was on a list of passwords that were compromised by a " leak '' and was directed to a tab to change my password. 
I did not use that prompted tab but closed out and logged in again and used the Truist " reset password " tab on the Truist site to successfully change my password. 
Today ( XX/XX/XXXX ) I called XXXX XXXX at the XXXX NC Truist branch and voiced my concern over this development. She put me on hold, talked to her supervisor, and told me that they had received no notification about a " leak ''. I felt that that was not a satisfactory response, pointing out the possibility that Truist online had been hacked and that the prompt that I received could be part of a scam. She suggested I call a number and talk to Truist online banking personnel. I informed her that prior attempts to use phone support were plagued by great difficulty in getting a Truist team member to take my call and in my experience the calls being dropped once a person was on the line.

- Sure enough, I got an automated voice which persisted in following an algorithm and ignored my request to '' speak to a person '' - Finally I got through to someone named " Breanna ''. She took my complaint, put me on hold, and sure enough the call was dropped while I was on hold.

- To her credit, she called me back, put me on hold, spoke to her supervisor and told me there was no " leak '' of information and that the problem with the password prompt was not a Truist problem and was " on my phone '' - I informed her that I had not used my phone to access the Truist online site, I had used my home desktop computer ( A Mac that is but a few months old ) - She then told me that it was a " device '' problem- I told her that was not a satisfactory response to my concern, again raising the possibility that the artist online site might be compromised. I insisted that I speak to a credentialed person to discuss my security concerns.

- she put me on hold again, the call was dropped, Truist never called back!!!

I still don't know what happened with this Truist Online banking site and why I was told that there was a leak and compromise of my password. I have multiple accounts with Truist, Checking, XXXX XXXX, and CD. Naturally I am concerned. This difficulty with access is a systemic problem with Truist and makes me concerned that they do not take security risks seriously.

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 2025-08-13 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: WA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The account reported under my name is fraudulent and must be removed. I have no record, knowledge, or involvement with this account, and it was opened without my consent. This is a direct violation of my rights to an accurate credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX  in XXXX, PA, per USPS Tracking XXXX XXXXXXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$5800.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-08-13 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-13 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> I submitted a claim to dispute a transaction on my capital one account. I paid a company for a service that in turn ended up being fraudulent. I have supporting documents and proof that capital one did not ask me for but I tried to to give them so there would be no issue in my dispute.i was told that I would receive my funds immediately in a provisional credit .. that did not happen. Then I was told that it would be sent to my account within 14 days of the date I submitted the claim. On the 14th day instead of my funds I was sent a email stating that the claim had been denied closed and a new claim would be reopened and gave me a new claim number instead the email stated no additional time would be added for the inconvience .. so if no additional time would be added why would I get told by customer service and the manager Lucas that it will be an additional three to six months for a decision. I was told several different things no real answer why? No help whatsoever manager XXXX gave no help trying to escalate the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 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$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
so I checked my credit report and I saw that I have a collection debt that I have disputed before through my credit karma app. The company name is LVNV FUNDING LLC .I disputed it last month, but it did not go in my favor because that is not the correct way to dispute collection debt so what I decided to do was look up the companies name of where the collection that is from and call them. I called them today, XX/XX/year> around XXXX XX/XX/XXXX I called LVNV FUNDING LLC the number provided. I spoke to a woman named XXXX and she basically told me that yes she can help me. She told me that I will need to pay a dollar for her to pull my credit report so I paid the dollar then when she pulled my credit report she told me about my score. She told me yes I can see that you do have a debt of {$480.00} from an account that was opened XX/XX/year> now I was very surprised because I do not have any knowledge of this account being opened. She told me That it seems like it was reported into your account twice which means that it might be in your favor because you can be able to do two options I can either dispute it and try to get it off of my credit report and out of my collections or I can pay the whole amount. She told me because it was reported twice on my credit and because there is two different dates of when it was allegedly opened the account I have the right to dispute it because most likely this is a wrong part of the companies doing so I can dispute it.Then tried to get me to pay {$370.00}. It was around that price range for her to delete anything that was in my collections, including the LNVN Funding Llc company debt and all everything else that I have in my credit so my score will go up. She told me because they pulled my credit twice in my credit report, I have gone down 80 points of my credit so she told me she can help dispute it and then my credit will be good and if I have any business things to do, I will be good, but it seemed to me like there was something wrong with me paying {$300.00} to get rid of this credit when I had no knowledge of this I felt like I was paying already basically the whole amount of all my credit was owed so I decided to call them back because I did not even have a card with me And when I did my reviews on XXXX to look up the company and do more research on them, I looked in the reviews and it looks like a lot of people have been sued by them or have had the similar type of situation as me of having that debt with them and the people on the reviews are saying that this is a scam and that this is not a legitimate company so that that is not legitimate and I just need to know what can I do to get rid of this and my credit report and get my credit card and get rid of this collections before they sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Nelnet, Inc.
State: NC

Complaint narrative:
My personal and financial information was compromised without my consent.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation