vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft and someone was using my information recklessly and was establishing accounts in my name that I didn't authorize and was unaware of reached out to the credit bureau and the collection agency and no one was willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am writing to file a formal dispute regarding the inquiries listed below, which I believe to be inaccurately reported on my credit report. I request a thorough investigation and the removal of these unauthorized or incorrect inquiries from my credit file. 

INQUIRIES 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-26 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:
XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Re : Escalated Reinvestigation Demand Self Lender / XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, This is a formal escalated reinvestigation demand regarding the Self Lender / XXXX XXXX  tradeline that your previous investigation incorrectly marked as verified as accurate. This determination is improper and violates multiple sections of the Fair Credit Reporting Act ( FCRA ). The reporting on this account contains factual inconsistencies, contradictory status information, multi-bureau discrepancies, and unverifiable data that were not addressed.

1. Contradictory Account Status ( FCRA 607 ( b ) ) TransUnion reports the account as Paid, Closed, Was Paid as Agreed, yet also shows multiple 30-day late payments. These statuses can not coexist and are materially misleading.

2. Conflicting Late Payment History Across Bureaus ( FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 2 ) ) Late payment counts differ : TransUnion : 2 XXXX  : 3 XXXX  : 2 Furnishers must report uniform and accurate information.

3. Improper Date Reporting / Possible Re-Aging ( FCRA 623 ( a ) ( 5 ) ) The Date of Last Payment, Date Closed, and Date of Last Activity are all identical ( XX/XX/XXXX ), which is inconsistent with normal reporting and may indicate re-aging.

4. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) You did not provide verification documents, verification source, or evidence used to confirm accuracy.

REQUESTED ACTION Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), I request : 1. A full reinvestigation AND complete verification documentation, OR 2. Immediate deletion of the XXXX XXXX / XXXX XXXX  tradeline. A CFPB complaint has been filed, and this letter is included in that record. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Issue : Managing the loan, problems with customer service, and wrongful repossession I am filing a complaint concerning predatory auto financing, improper loan servicing, refusal to provide required account information, misrepresentation of payment methods, and a wrongful repossession conducted by Ally Servicing LLC. 

I purchased a vehicle from XXXX XXXX XXXXXXXX on XXXX XXXX XXXX I did not apply for Ally financing. I arrived with two pre-approvals from other lenders, but the dealership forced me into Ally under pressure, while I was medically vulnerable and without my assigned caregiver present. I have documented XXXX (, and the dealership exploited my condition during the sale. 

In XXXX XXXX, Ally sent me a letter stating the loan was not approved. Despite this, Ally attempted to collect payments and later denied having any record of that letter. I never received : A welcome packet An account number Any payment billing account information for the bank Any TILA disclosures I repeatedly contacted Ally from XXXX through XXXX requesting this information, requesting a supervisor, and attempting to resolve the issue. No supervisor ever contacted me. 

Ally misrepresented payment options. They told me I could pay by credit card, but when attempted, they processed it as a cash advance, which I do not have. When I attempted to pay through my banks certified check/bill-pay system, Ally refused to provide the necessary information. 

I disputed the derogatory reporting in XXXX XXXX. Ally stated a manager would review my request over the course of a week. Instead, during that review window, Ally repossessed my vehicle. 

On XXXX XXXX XXXX around XXXX XXXX, the vehicle was repossessed without notice, without identification, and without any legally required paperwork. The repo agent refused to identify himself and damaged a neighbors vehicle. I received no pre-repossession or post-repossession notice. 

The repossession occurred while the loans approval status remained unresolved, while I was still requesting payment instructions, and during an active dispute period. I have recorded these engagements for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My first statement is a balance of XXXX and made regular and satisfying payments or additional which you will find below attached. After COVID ( student loan interest was supposed to be set at 0 % ). The statement prior to COVID implementation was XXXX. Again, you will find statements for these as well. I did continue to pay, however, and decreased my loan to XXXX and that is shown on the statement for XXXX  I have remained making payments though interest should have remained at 0 % because right after COVID the SAVE plan went into effect so interest should not have restarted at any point. My balance now is at XXXX. Again, all payments are attached. Attached also is the total payment amount of XXXX and a total interest paid of XXXX. The total amount applied to the principal is XXXX. Again, my balance is at XXXX - no matter how to the math is done, this is not adding up. My balance should be significantly lower but no one seems to want to acknowledge this. Even if this was overlooked somehow - my interest should by no where near XXXX as the majority of the time I have been paying my loans have been set at 0 % yet my balance is still accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are inaccurately reported and need to be reviewed and corrected. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/2025, XXXX XX/XX/2025, XXXX XX/XX/2025, XXXX XXXX XX/XX/2025,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/2025, XXXX XX/XX/2025, XXXX XX/XX/2025, XXXX XXXX XX/XX/2025,

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 2025-11-26 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: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The Current Owner is LVNV funding LLC but this company Resurgent Capital Services is Asking for this payment then they sending letters to my home for this debt back XX/XX/year> after XXXX yrs it's should have been off my credit report is still on my credit report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Better Mortgage, Inc.
State: NY

Complaint narrative:
I recently obtained a HELOC with a company called Better. I closed my loan last Thursday XX/XX/year>. They told me during the application that the loan would need to be fully funded at closing to secure the rate but that I could pay it back immediately. I thought this was weird and a way to squeeze interest out of me, but since they said I could pay it right back I figured it was ok. I got an email last Friday XX/XX/year> that my loan was fully funded and on Monday XX/XX/year>, I reached out to figure out how to pay it off. Also, I hadn't received the money yet so I called to ask where it was. They told me to reach out to the mortgage servicing company, XXXX and create an account. When I did that, XXXX told me it takes 7-10 days to onboard. I reached back out to Better and they said that it's impossible to make a payment until I've been onboarded with XXXX. Their process seems designed to force me to pay 7-10 days of interest. Why else would they require me to fully fund the loan upfront with no restriction on paying back and then have no way to make a payment while I wait for the loan to be processed by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On or around XX/XX/XXXX I received a letter in the mail from Wells Fargo. It was a debit card in my name. I do not bank with Wells Fargo. I contacted them and their Fraud department. The next day I received a second debit card for a business account also in my name. I again contact Wells Fargo and they closed the account. I placed a credit freeze with all three credit bureaus, filed a fraud alert, and initiated a credit freeze with XXXX XXXX I still have yet to file a police report. 

Additionally, I received a letter from XXXXXXXX XXXX asking for additional information to open a credit card.

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 2025-11-26 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
AFFIRM INC is reporting a late payment on my XXXX  credit report for the month of XX/XX/year>. This information is inaccurate and inconsistent, because XXXX  and XXXX  do not show any late payments for this account. 
According to my XXXX  detailed report, only XXXX  displays a 30-day late mark, while the other credit bureaus show an OK payment history. 

This inconsistency indicates that the furnisher has not followed the requirements under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ), which obligate data furnishers to ensure maximum possible accuracy of any information they report.

Additionally, I was never notified of any delinquency, nor was I provided with documentation proving that a payment was actually late. 

I dispute this information as inaccurate and request that AFFIRM INC provide proper validation or remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief