vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MO

Complaint narrative:
I am filing this formal complaint regarding the reporting of several negative accounts on my credit reports. After reviewing my credit file across the three major bureaus, I found multiple entries that appear to violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. These accounts contain serious inaccuracies, have not been verified upon my written request, and some appear to be re-aged or falsely reported. The following accounts are disputed due to these inconsistencies : XXXX XXXX XXXX Acct # : XXXX Reported as collection ; no original creditor contract ; unverifiable. 
XXXX XXXX XXXX Acct # : XXXX Balance inaccurate ; payment history inconsistent ; not validated upon request. 
XXXX XXXX Acct # : XXXX Discrepancies in opening date and status; failed to respond within 30 days. 
XXXX XXXX Acct # : XXXX Reported multiple times across bureaus with different data ; possible re-aging. Under FCRA 602 ( A ) and 611, I am entitled to accurate and verifiable information. I have submitted prior disputes to the credit reporting agencies and/or furnishers, but I have not received adequate documentation or correction within the 30-day statutory period. I respectfully request that the CFPB :

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this formal complaint regarding the reporting of several negative accounts on my credit reports. After reviewing my credit file across the three major bureaus, I found multiple entries that appear to violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. These accounts contain serious inaccuracies, have not been verified upon my written request, and some appear to be re-aged or falsely reported. The following accounts are disputed due to these inconsistencies : XXXX XXXX XXXX Acct # : XXXX Reported as collection ; no original creditor contract ; unverifiable. 
XXXX XXXX XXXX Acct # : XXXX Balance inaccurate ; payment history inconsistent ; not validated upon request. 
XXXX XXXX Acct # : XXXX Discrepancies in opening date and status; failed to respond within 30 days. 
XXXX XXXX Acct # : XXXX Reported multiple times across bureaus with different data ; possible re-aging. Under FCRA 602 ( A ) and 611, I am entitled to accurate and verifiable information. I have submitted prior disputes to the credit reporting agencies and/or furnishers, but I have not received adequate documentation or correction within the 30-day statutory period. I respectfully request that the CFPB :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: VA

Complaint narrative:
Juno is a neobank that used XXXX, a technology platform, to connect with XXXXXXXX XXXX XXXX XXXX, which served as the primary bank holding customer funds for Juno users ; essentially, Juno relied on XXXX  to facilitate its banking operations with XXXX, allowing customers to deposit and withdraw money through the Juno app, but the actual funds were held by XXXX XXXX  and similar accounts managed through XXXX XXXX infrastructure. When XXXX collapsed, the link between Juno and the managed bank broke, and thats where the problem of funds happened. I had ~ $ XXXX with Juno, but XXXX said they only have XXXX XXXX XXXXXXXX and disbursed the funds in the XXXX of XXXX  time frame. So i am filing this to recover rest of XXXX XXXX XXXXXXXX from Juno/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Fraudulent credit inquiries continue to appear on my consumer report despite repeated attempts to resolve this matter through proper channels. These unauthorized inquiries have no legitimate connection to my financial activities and represent clear evidence of identity theft affecting my credit profile. The persistence of these fraudulent entries has created substantial obstacles to achieving important financial goals, including qualifying for home financing and securing favorable credit terms for my family 's essential needs. Beyond the immediate credit impact, the ongoing presence of these unauthorized inquiries has caused considerable emotional distress and undermined my confidence in the consumer credit reporting system 's ability to protect victims of identity theft.

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 2025-09-03 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:
Subject : Equifaxs Failure to Provide Method of Verification and Ongoing Sham Investigations Details : I am filing this complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ) in handling my disputes. 

For the past seven months, I have disputed inaccurate accounts reporting on my Equifax credit file, including : XXXX XXXX XXXX XXXX XXXXXXXX ( Acct. ending XXXX ) XXXX XXXX XXXX XXXXXXXX ( Acct. ending XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Acct. ending XXXX ) Despite multiple disputes and supporting evidence, Equifax has never once provided a method of investigation or verification as required by law. Instead, Equifax has repeatedly returned the same response of verified, without explanation. 

On XX/XX/year>, Equifax issued a dispute results letter ( Confirmation # XXXX ) stating that the disputed accounts had been verified, but did not provide any method of verification. 

On the very next day, XX/XX/year>, Equifax sent me a stall letter refusing to investigate further, claiming my disputes were frivolous. 

This is improper because : 1. FCRA 611 ( a ) ( 2 ) requires Equifax to forward all relevant dispute information to the furnisher. Equifax has given no indication that this occurred.

2. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Equifax to provide the method of reinvestigation upon request. This has never been provided.

3. FCRA 611 ( a ) ( 7 ) requires Equifax to provide the method of verification, including the name, address, and phone number of the furnisher they contacted. Equifax has refused to do this for over 7 months. 


4. Issuing a verified response ( XX/XX/XXXX ) and then dismissing further disputes as frivolous ( XX/XX/XXXX ) shows a pattern of sham investigations and willful noncompliance with federal law. 



I have already filed an FTC complaint regarding this matter ( FTC Report Number : XXXX, filed XX/XX/year>XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX XXXX XXXXXXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX XXXX XXXXXXXX Phone : XXXX To the Consumer Financial Protection Bureau : I am filing a complaint regarding inaccurate and unlawful credit reporting by Equifax concerning an account from XXXX. 

This account was charged off in XX/XX/XXXX, and therefore should have ceased reporting after the 7-year window provided under the Fair Credit Reporting Act ( FCRA ). However, as shown in my attached Equifax and XXXX XXXX screenshots, this account is still being reported as closed collection/charge-off with a balance of {$12000.00} as of XX/XX/XXXX, well beyond the allowable period. 

Additionally, different reporting systems show inconsistent statuses and dates. For example, the same account appears closed in a XX/XX/XXXX report, but appears reopened and updated in a XX/XX/XXXX report, indicating possible re-aging of the account and continued derogatory impact on my credit score. 


-- - Violations : 1. 15 U.S. Code 1681c ( a ) ( 4 ) & ( 5 ) Prohibits reporting charge-offs or collections more than 7 years from the date of first delinquency. 


2. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate and complete information.

3. 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) After a dispute, inaccurate information must be corrected or deleted within 30 days. 


4. Re-aging of Account If Equifax or XXXX re-aged the account to extend its negative impact, it constitutes a willful violation of the FCRA. 




-- - I request the CFPB to take immediate action to : Investigate Equifaxs failure to remove this outdated and inaccurate account, Compel deletion of the tradeline from my credit report, And ensure future compliance with the FCRA. 


I have included the following as exhibits : Exhibit A Screenshot from Equifax.com ( XX/XX/XXXX ) Exhibit B Screenshot from XXXXXXXX showing closed status Exhibit C ScreenshoXXXX from XXXXFICO with continued CO reporting Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Me and my daughter applied for a usda loan I believe the XXXX scores were high at the time and the money we made at the time was high. We XXXX then denied for a conventional loan we asked why were we denied for a conventional loan when we specifically asked about a usda loan. We got no answer. Someone later tried to contact us but it made no sense what they spoke about and they offered no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Multiple attempts to resolve the presence of fraudulent and inaccurate information on my consumer credit report have been unsuccessful, leaving these disputed items unaddressed despite my persistent efforts. As a documented victim of identity theft, I never provided authorization or consent for this information to be associated with my personal credit profile. The continued reporting of these unauthorized entries has created substantial personal hardship and ongoing financial complications that extend beyond mere credit score impacts. The failure to properly investigate and remove these clearly fraudulent items demonstrates a disregard for established consumer protection protocols and my rights as an identity theft victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

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. 

Please delete the following accounts : XXXX - XXXX XXXX XXXX XXXXXXXX Unknown - XXXX XXXX REIGN - Incorrect Personal XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Despite multiple previous attempts to resolve this matter, fraudulent and inaccurate information continues to appear on my consumer credit report without resolution. As a victim of identity theft, I never authorized or consented to the inclusion of this information, which has been wrongfully associated with my personal profile. The persistence of these erroneous entries has caused substantial personal distress and continues to negatively impact my financial standing and creditworthiness. The ongoing presence of this disputed information suggests a failure to properly investigate and address my legitimate concerns under federal consumer protection guidelines.

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 2025-09-03 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: CA

Complaint narrative:
Despite multiple previous attempts to resolve this matter, fraudulent and inaccurate information continues to appear on my consumer credit report without resolution. As a victim of identity theft, I never authorized or consented to the inclusion of this information, which has been wrongfully associated with my personal profile. The persistence of these erroneous entries has caused substantial personal distress and continues to negatively impact my financial standing and creditworthiness. The ongoing presence of this disputed information suggests a failure to properly investigate and address my legitimate concerns under federal consumer protection guidelines.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute regarding several accounts on my credit report that are inaccurately reported and require correction or removal.The XXXX accounts ending in XXXX with balances of {$8400.00}, {$4600.00}, and {$5000.00}, as well as the XXXX  account ending in XXXX with a balance of {$15000.00}, are reported as charge-offs. No IRS Form 1099-C has been issued for these debts, which exceed {$600.00}, indicating they have not been formally forgiven or canceled. Reporting these accounts as charge-offs without proper documentation is misleading and harms my credit standing. I request that these accounts be removed or updated to reflect accurate reporting. 
The XXXX account ending in XXXX, with a balance of {$0.00}, is also reported as a charge-off. This account violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 605B [ 15 U.S.C. 1681c-2 ], which require that disputed information be fully reinvestigated and that inaccurate or unverifiable information be removed. I request this account be corrected or deleted from my credit report. 
The XXXX XXXX account ending in XXXX, with a balance of {$4000.00}, is reported as a collection. Under 605B [ 15 U.S.C. 1681c-2 ], this information is inaccurate or unverifiable, and I request its removal or correction. 
Additionally, the inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year>XXXX  appears on my report without my authorization. Its reporting violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 619 [ 15 U.S.C. 1681q ]. I request that this inquiry be fully investigated and removed.

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 2025-09-03 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: TX

Complaint narrative:
I am formally disputing the accuracy of late payment entries currently appearing on my credit report. After conducting a thorough review of my payment history and records, I identified discrepancies that prompted me to request validation from the reporting creditors over 30 days ago. Despite the passage of sufficient time for response under federal guidelines, these creditors have failed to provide adequate documentation or satisfactory validation of the disputed late payments. This lack of response raises significant concerns about the accuracy and legitimacy of the information being reported to my credit 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My data was breached by XXXX 
Lvnf funding Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Multiple attempts to resolve the presence of fraudulent and inaccurate information on my consumer credit report have been unsuccessful, leaving these disputed items unaddressed despite my persistent efforts. As a documented victim of identity theft, I never provided authorization or consent for this information to be associated with my personal credit profile. The continued reporting of these unauthorized entries has created substantial personal hardship and ongoing financial complications that extend beyond mere credit score impacts. The failure to properly investigate and remove these clearly fraudulent items demonstrates a disregard for established consumer protection protocols and my rights as an identity theft victim.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
I sent a letter of Cease and Desist Letter to the company they never took it off

Company response to consumer: Closed with explanation