vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-08-07 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 am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Installment Account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an Installment Account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I am requesting that the credit bureaus permanently delete the inaccurate late payment notations associated with the following accounts : XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX These late payments were reported without proper notice from the furnishers, which is a direct violation of the Fair Credit Reporting Act. I am asking the credit bureaus to : Conduct a full reinvestigation as required by FCRA 1681i. 

Require the furnishers to provide proof that I was notified of the due date and given an opportunity to resolve the account before the late payment was reported. 

Permanently delete the late payment from my credit report if such documentation can not be produced. 

Provide written confirmation of the deletion and send me a corrected and updated copy of my credit file within XXXX business days. 

I believe this is a fair resolution based on the legal obligations outlined under the FCRA and my right to an accurate and fairly reported credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
Upon reviewing my credit report, I discovered several inaccurate and unverified accounts that have continued to report derogatory information despite previous disputes. One of the primary concerns is a charged-off account from XXXX XXXX XXXX XXXXXXXX XXXX  showing a balance of \ {$760.00} on a \ {$500.00} credit limit. This results in a 152 % utilization rate, which is not only misleading but also unsupported by any documentation or ledger showing how this amount was calculated. Additionally, XXXX XXXX XXXX is reporting a collection account allegedly originated from XXXX, yet no documentation from the original creditor has ever been provided to validate the debt. XXXX XXXX XXXX is reporting a tradeline with the notation Dispute resolved ; customer disagrees, but has failed to provide any evidence from the original creditor to justify this conclusion. Furthermore, XXXX XXXX XXXX is reporting a collection from XXXX XXXX XXXX XXXX XXXX without any supporting documentation or contract. I also identified two hard inquiriesone from XXXX XXXX on XX/XX/year>, and another from XXXX XXXX XX/XX/XXXX, XXXX I did not authorize or initiate. Lastly, outdated addresses remain on my report, which increases the risk of identity confusion and misattribution of accounts. These reporting errors have damaged my credit standing, and I am requesting a full investigation and removal of any unverifiable or inaccurate data.

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 2025-08-07 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: CA

Complaint narrative:
I am formally requesting the blocking and deletion of all accounts associated with my personal information as a result of a recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX XXXX mishandling of my credit card payment, failure to process it correctly, and subsequent reporting of inaccurate information to the credit bureaus. All of which have resulted in significant negative impacts to my credit score. 

On XX/XX/XXXX, I attempted to make a payment on my account. Despite successfully initiating the payment, it was not processed due to an internal system error, which was confirmed by multiple representatives at Continental Finance Company. Over the course of several days, I made more than XXXX calls to customer service and was told repeatedly to wait XXXX hours for resolution. The issue was reportedly escalated to the financial team, but I never received a follow-up or solution. 

I attempted to make the payment again on XX/XX/XXXX, prior to the daily cutoff time. This XXXX  attempt also failed to process. Despite my repeated good-faith efforts to resolve the matter, my statement closed with the incorrect balance, and Continental Finance Company has XXXX : Charged me XXXX late fees Reported the inflated balance and late payments to the credit bureaus Caused a significant drop in my credit score Failed to provide any resolution, even after I was placed on hold for over XXXX minutes trying to speak to a supervisor. 

This situation has not only affected my financial standing but also violates provisions under the Fair Credit Billing Act ( FCBA ), which requires creditors to properly credit payments and correct billing errors promptly. It is also concerning that such a clear error was acknowledged by customer service and yet still escalated into damaging credit reporting. 

I am requesting the XXXX assistance in : Investigating this matter Holding Continental Finance Company accountable for the improper handling of my payments Ensuring the late fees and negative credit reporting are removed Requiring Continental Finance Company to issue a corrected statement and restore my credit standing Please let me know what additional documentation you require. I am prepared to provide evidence of my payment attempts and correspondence with the company.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I visited the Chase Bank branch located at XXXX XXXX XXXX, XXXX, IL XXXX, to deposit three foreign currencies : Colombian Pesos ( COP ), Euros ( EUR ), and XXXX Pesos ( MXN ). 

During the transaction, the teller attempted to enter my Colombian Pesos as XXXX COP, which resulted in an estimated exchange of only {$0.00} USD. I immediately told her that this could not possibly be correct and expressed concern multiple times, as the amount I brought was significantly higher. She brought over a supervisor, who began discussing exchange rates, but at no point did either of them review the actual denominations I had handed them or verify the totals against the currency form I originally received. 

At the time, I didnt know exactly what the error was, only that the amount quoted was completely unreasonable. It wasnt until the following morning, when I reviewed the actual bills and the original foreign currency receipt, that I discovered what had gone wrong : the teller had misread the MIL ( XXXX ) notation on the COP bills, incorrectly entering the amount as hundreds instead of thousands. As a result, I was nearly shorted over {$200.00} USD. 

I am now concerned that my euros and XXXX pesoswhich were part of the same depositmay also have been misread and undervalued, especially since the deposit was processed without properly reviewing the physical bills or receipts. 

I contacted XXXX Customer Service by phone to express my concerns, but I was not given a case number, and my calls to the branch have gone unanswered. 

I am requesting : A full audit of the XX/XX/XXXX foreign currency deposit Written confirmation of the amounts deposited per currency The specific exchange rates used for each Reimbursement for any undervalued amounts Confirmation that proper procedures and teller training are in place for handling international currency My contact information is : Phone : ( XXXX ) XXXX Email : XXXX Chase already has this contact information on file. Thank you for your attention to this matter. 

* Whats pictured below is not the entire amount of the {$86000.00} XXXX just representations of each denomination that was misinterpreted. Along with the deposits of both the XXXX peso and euros by the teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} INQUIRIES : XXXX XXXX Date : XX/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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over XXXX  days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

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 2025-08-07 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Inquiries arrived without forewarning and may be unofficial. Please assess the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Date : XX/XX/year>XXXX XXXX XXXX XXXX  Request for Debt Validation and Ownership Verification Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. 
Current Claimed Owner : LVNV Funding LLC Reference Number : XXXX Dear Resurgent Capital Services, This letter serves as my XXXX  formal request for full and proper validation of the alleged debt referenced above. My first request was sent by certified mail on XX/XX/year>, under tracking number XXXX. To date, I have not received any adequate documentation or response satisfying the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ). 
As stated in my original dispute, I am requesting the following items in accordance with 15 U.S.C. 1692g ( b ), which entitles me to complete verification of the debt : XXXX. The name and address of the original creditor ; XXXX. A copy of the original signed contract or agreement bearing my wet signature that legally binds me to this alleged debt ; XXXX. A full accounting of the debt, including all charges, interest, payments made, and the original balance ; XXXX. Legal proof of assignment or sale of the debt to LVNV Funding LLC, including a notarized document or bill of sale indicating the transfer of ownership and all rights to collect ; XXXX. The name of the party currently collecting on the debt and their authority to do so ; XXXX. Documentation showing legal standing to collect this debt in my state of residence. 
Please be advised that providing a billing statement or account summary does not constitute legal validation under the FDCPA. I dispute the validity and accuracy of this debt and demand the legally required documentation before any further collection actions, including credit reporting, continue. 
Furthermore, failure to respond adequately may be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ) : FDCPA violations : 15 U.S.C. 1692g ( b ) : Continuing collection activity without debt validation 15 U.S.C. 1692e : False, deceptive, or misleading representations 15 U.S.C. 1692f : Unfair or unconscionable means to collect a debt FCRA violations : 15 U.S.C. 1681s-2 : Reporting inaccurate information without proper investigation 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation of disputed information I request a full and complete response to this dispute within XXXX business days of receipt of this letter. Please consider this a continued dispute of the validity of this account, and cease any further collection activity until you comply with federal law. 
Please send all required documentation to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
They sent a letter to my place of employment, without my name on the outside letter stating that I will be held in contempt if I dont pay this. My employer opened it and read the whole thing because it was address to my employer and not me. I continue to receive phone calls 7 days a week at least 3-5 calls a day for debt loans.

Harassment. 

I have made 3 offers of 50 % of the amount owed. Which is what I can afford. They continue to stress they want me to make payments and that I can only receive a few grand off. At this point they should dismiss it all. 

I am a single father of XXXX kids with full custody and the sole provider for them. I am taking on the world for them because that is what my kids deserve.

Company response to consumer: Closed with explanation