vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate reporting by LendingUSA on my XXXX XXXX XXXX  XXXX files. The account in question is reported as charged-off, but there are multiple inconsistencies between the credit bureaus and the information reported by the creditor. 

Details of Inaccuracies : Balance : XXXX  reports a balance of {$8600.00}, while XXXX reports {$8300.00}. 

Date of Last Activity : LendingUSA reports XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. 

Last Payment Date : XXXX  reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 

Date Opened : TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 

These discrepancies are material and affect the accuracy and completeness of my credit profile. I have previously disputed these inaccuracies with both credit bureaus, but the creditor has failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-12 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: GA

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) 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 XXXX 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  FINANCIAL Date : XX/XX/XXXX XXXX CARDS CBNA Date : XX/XX/XXXX XXXX XXXX SVC Date : XX/XX/XXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 2025-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX I am writing to formally dispute a late payment reported on my credit record, which occurred in XX/XX/year>. The payment in question was XXXX and I believe this late payment was reported in error due to a technical issue. 

Please note that I have consistently made all my payments on time, and this isolated incident was not reflective of my usual payment behavior. The payment for XX/XX/year> was declined twice due to a mistake in my bank account, which was linked to my auto-pay system. As a result, I was unaware that the payment had not gone through, as I assumed it had been processed automatically. 

Once I noticed the issue, I promptly resolved it and ensured that all future payments were made on time. I would like to request that this late payment be removed from my credit report, as it was an isolated incident caused by an error, not due to any negligence on my part. 

Thank you for your attention to this matter. I appreciate your prompt review and assistance in correcting this error. Please do not hesitate to contact me should you need any further information. 

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

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 2025-08-12 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: People Trust
State: AR

Complaint narrative:
This account was disputed for reporting incorrectly I have expressed this numerous occasions with the company however the problem has not been resolved with a proper resolution or investigation. The date of last payment is showing multiple dates. How can one be determined accurately if the 2 different credit reporting agencies are reporting different dates & hasnt been verified properly.

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 2025-08-12 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: NC

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see original complaint- this is an addendum next day, XX/XX/year>. 

I have another recorded call from XXXX saying to report Transunion to the CFPB. 

I have over 5 recorded saying this -no one understands or accepts this one credit reporting agency falsifying my information unlike XXXX  XXXX XXXX  and XXXX all are reporting my credit correctly.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Bank of America for unlawfully delaying and refusing to release funds from a government-issued Employment Development Department XXXX XXXX ) check I deposited on XX/XX/year>. 

Despite multiple calls starting on XX/XX/year>, and my insistence on manual verification and immediate release of the funds as required under federal XXXX XXXX, Bank of America has refused to comply. They claim they can not manually verify the check and insist on holding the funds until Friday, violating the regulation requiring availability within XXXX business day. 

I spoke directly with several bank representatives and a supervisor, all of whom refused to override the hold. XXXX supervisor even refused to continue assisting me. Despite me bringing up the federal regulations. 

This unlawful hold has caused me significant financial hardship. 

I request immediate investigation and enforcement action to compel Bank of America to comply with federal regulations and release my funds without further delay. 

The name of the supervisor was XXXX, and her employee ID number was XXXX. 

I am currently skimming through the audio recordings of the phone calls and can provide audio transcripts if necessary. But considering this will take me some time and I cant afford to wait any longer for this money I will have to skip uploading the files. 

Thank you for your prompt attention. 

Sincerely, 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 2025-08-12 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/scrub>/2025 T o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  MN XXXX LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Pursuant to 15 U.S.C. 1692g ( b ) To Whom It May Concern : I am writing in response to your recent credit reporting and any alleged communications regarding the following accounts : 1. XXXX XXXX XXXX XXXX Reported to credit bureaus XX/XX/year>2025 {$160.00} 2. LVNV Funding LLC Reported to credit bureaus XX/XX/year>2025 {$630.00} This letter is a formal request for validation of debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). I dispute these alleged debts in their entirety and request that you provide the following : 1. The original signed agreement or contract bearing my signature that proves I have a legal obligation to pay.

2. A complete payment history, showing how the amount you claim was calculated.

3. The name and address of the original creditor.

4. Documentation showing you are legally authorized to collect in my state.

5. A copy of any judgment ( if applicable ).

Until you provide proper validation, you are prohibited from : Continuing collection activity, including calls, letters, or legal action.

Reporting the debt to any credit reporting agency ( XXXX XXXX XXXX ) per 15 U.S.C. 1692e ( 8 ). 
Selling or transferring the debt to another collector. 

If you fail to validate this debt within 30 days from receipt of this letter, you must remove it from my credit reports and cease all collection efforts. 

This is not a refusal to pay but a request for proof of your claim. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ 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 2025-08-12 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: FL

Complaint narrative:
I am filing this complaint to address a fraudulent account appearing on my credit report that I did not open, authorize, or have any association with. This account is entirely false and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
Reference to CFPB XXXX and Reference # 's XXXX, XXXX, and XXXX dated XX/XX/year>. All three of these accounts do NOT belong to me and were opened fraudulently using my name. I'm attaching proof AGAIN that XXXXXXXX XXXX  conducted an investigation and in fact said this was a fraudulent account. XXXXXXXX XXXX has already removed this tradeline from the CRA 's. I am also attaching the police report of the fraud. I do not have any signed contract with Resurgent nor LVNV Funding, LLC. You have failed to adhere to State, Local, Federal, and Federal Tribal laws and have refused to conduct any type of investigation into this matter. With this stated, I am requiring an arbitration into all three of these matters. If your company wants to continue violating my rights and the law, I will force federal lawsuits against your company and you personally for signing letters on behalf of your company without conducting any type of due diligence. A monthly statement does NOT prove any type of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 not responsible for these accounts ; eliminate them within 15 days under USC 1681g.

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Dear Kia Finance XXXX XXXX XXXX XXXX Experian, Equifax, or TransUnion ), I am writing to dispute an entry on my credit report regarding a repossession account under the name Kia XXXX XXXX and the account number I have no knowledge of this account, nor have I ever been contacted by the creditor regarding any repossession. 

Furthermore, I have noticed that this account has been updating every month as though it is a new entry, which is adversely affecting my credit score. This ongoing update makes it appear as if the account is current or is being continuously reported as a new issue, which is misleading and damaging my credit standing. 

I kindly request that you investigate this account and remove it from my credit report if it can not be verified as valid. Since I have no record of this account and there has been no communication from the creditor, I believe it is either reported in error or could potentially be fraudulent. 

Please provide documentation supporting the validity of this entry, including any communication or agreements related to this repossession. If such documentation can not be provided, I request that this account be removed entirely from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required XXXX investigation period. 

Sincerely, XXXX XXXX XXXX Welcome XXXX XXXX XX/XX/year> 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 2025-08-12 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:
I am writing to formally dispute an inaccurate item listed on my credit report. The account in question is marked as a charge-off, which I believe is incorrect and should be investigated and either updated or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation into this account and provide documentation supporting the validity of this charge-off. If the information can not be verified, I respectfully request that it be removed from my credit file as required by law. 

Enclosed are the following documents to support my dispute : A copy of my government-issued ID A copy of a utility bill or bank statement confirming my identity and address A copy of the relevant credit report highlighting the disputed item Please respond in writing within the 30-day period outlined in the FCRA and provide an updated copy of my credit report reflecting the results of your investigation.

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX XXXX  my loan compay was Bridgecrest XXXX. On XX/XX/XXXX I was involved in a car accident where the car was totaled. The balance on my account on XX/XX/XXXX was {$21000.00}. Bridgecrest received paymnets from my insurance company XXXX, as well as Gap insurance to pay off the vehicle however they still charged me late fees as well as reported the account as being delinquent to the credit bureaus. I contacted Bridgecrest on several occasions in regards to the fees and my credit report and was told that my account was not reading accurately and it was with the accounting department when it is fixed someone would reach out with an update in the meantime my credit is being jeopordized during a time I am trying to relocate to another for work and get approved for housing as well trying to get approved for another vehicle. I was in a rental car from XXXX that I was paying out of pocket for due to the errors from bridgecrest. Once they applied all of the payments, they removed the late fees off the ledger they sent but kept the money out of the payments received. I called spoke to the Executive Customer Relations Manager who stated that the accounting department probably would not release the funds to me.

Company response to consumer: Closed with explanation