vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Veros Credit, LLC
State: CA

Complaint narrative:
This account : VEROS has been on my credit report for well over 7 years and it keeps reporting. I filed with three bureaus as well but Veros keeps reporting this. I need them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-12 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Re : Debt Validation Request I am contacting you regarding an alleged debt that appears on my credit report and/or that I was recently contacted about by your company. I hereby dispute this debt and request full validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

This is a formal request for debt validation pursuant to the following consumer protection laws : 1. 15 U.S.C. 1692g ( b ) I request that you provide proper validation of the alleged debt, including : The name and address of the original creditor. 
A copy of the original signed agreement that created the alleged debt. 
A complete itemized accounting of the alleged debt, including the original balance, any interest, fees, payments, or adjustments applied. 
Documentation proving your legal authority to collect on this account ( proof of assignment or chain of custody from the original creditor to LVNV Funding LLC ). 

2. 12 CFR 1006.34 ( c ) You are required to provide itemization of the debt including : The amount of the debt as of the itemization date.

Any payments or credits applied after that date.

A clear statement of my rights to dispute the debt within 30 days.

3. 12 CFR 1006.6 ( c ) This regulation restricts communication at inconvenient times or places. I hereby request all communication in writing only to the address above and that no phone contact be made.

4. 15 U.S.C. 1681e ( b ) If this debt has been reported to a credit bureau, it must be marked as disputed in accordance with this law until proper validation is completed.

5. 15 U.S.C. 1681s-2 ( a ) You are obligated to report only accurate and verifiable information. If you are unable to validate this debt, you must cease reporting and remove it from all consumer credit reports. 



Until you provide the requested documentation, I request that you immediately cease collection efforts and refrain from reporting this debt to any credit reporting agency. If this account has already been reported, I demand it be marked as disputed until resolved. 

This letter is sent in good faith, and I have documented all correspondence for submission to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Colorado Attorney Generals Office, if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ), requesting : A complete and itemized payment history of my mortgage account The identity of the owner or assignee of my mortgage note A copy of the original promissory note and any endorsements or allonges Information about any servicing transfers or securitization of the loan The name and contact information for the current servicer A copy of any Pooling and Servicing Agreement, if applicable Details of any charges, fees, or penalties applied to the account Any insurance claims or force-placed insurance policies applied to the loan I sent this request via USPS Priority Mail with tracking and signature confirmation to JPMorgan Chase Bank , N.A . on XX/XX/year>. To date, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is NOT taking this dispute seriously, and is obviously NOT verifying the information. I disputed this again and again and again. This XXXX XXXX on my Transunion report was REMOVED before! XXXX and XXXX  removed it as well, and is STILL gone. TransUnion put it back which is ILLEGAL in itself, but the fact is this collection/XXXX can not have been verified because there is NO VALIDATION, no PURCHASE agreement that proves this debt belongs to me! I have not signed anything with these people and they have dogged me for a year. This alleged 'debt ' has changed hands XXXX times! That alone proves it is invalid because there are NO VALIDATIONS NOR PURCHASE AGREEMENTS from any of them! TRANS UNION needs to be NOTIFIED by the CFPB that this collection on my report is ILLEGAL, already been disputed and removed, and they will be held accountable using litigation to get it off my report once and for all.

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 2025-06-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries and accounts that do not belongs to me. Please delete these inquiries and accounts as I see it errors in my report. My Identity had been compromised and I have filed a report with the FEDERAL TRADE COMMISION. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX B XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX * * XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Derogatory Late XXXX Days- XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Charged off- XXXX  XXXX & XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off- XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Charged off- XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX $ XXXX XXXX XXXX  XXXX * * * * * XX/XX/XXXX Balance Owed : {$2100.00} Charged off - Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MS

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries and accounts that do not belongs to me. Please delete these inquiries and accounts as I see it errors in my report. My Identity had been compromised and I have filed a report with the FEDERAL TRADE COMMISION. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX B XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX * * XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Derogatory Late XXXX Days- XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Charged off- XXXX  XXXX & XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off- XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Charged off- XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX $ XXXX XXXX XXXX  XXXX * * * * * XX/XX/XXXX Balance Owed : {$2100.00} Charged off - Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
It should report on my credit report my name XXXX XXXX XXXX that on my driver 's license

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It should report on my credit report my name XXXX XXXX XXXX that on my driver 's license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
had multiple unauthorized transactions out of my account that totaled a {$100.00}. I did not authorized any of these transactions and they were duplicate charges of {$10.00} that then wiped my account out. I have attempted to dispute this with them and no claim was filed. They instead wanted to verify my identity and then immediate closed out my account stating fraudulent activity. I was told that they will appeal but I have to wait for a Supervisor to contact me via email. And then when I did get an email from a supervisor they then told me I violated terms of service. Would not tell me what terms of service I violated, and that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a leather jacket from a XXXX company called Other XXXX using my Bank of America debit card. I received a payment confirmation, but nothing else no tracking number, no shipping updates, and no replies to my emails. I tried contacting the merchant multiple times, but received no response. 

In XX/XX/XXXX, due to the lack of communication and updates, I opened a dispute with Bank of America. On XX/XX/XXXX, only after the dispute was filed, the merchant finally responded saying they had shipped the item and that I should cancel the chargeback. By this point, I had no trust in the company, no clear delivery details, and told the merchant I no longer wanted the item due to the lack of service and communication. 

However, Bank of America closed the dispute without ever asking me to provide my side, explain what happened, or submit any documentation. The case was decided solely on the merchants claim that they shipped the item as seen on information letter the bank sent to me " resolving '' the matter. I was only asked by the bank which transaction I was disputing, nothing else. 

I then worked directly with the merchant, who agreed to refund me if I returned the jacket. They provided me with a shipping label to return the item, which I used. According to the tracking, the merchant received the return yet they have refused to issue a refund and have ignored all of my emails since. 

I then tried to reopen the case and filed a second chargeback, but Bank of America rejected it as past the allowable time. However, I had been trying to resolve it within the timeframe and was never given a fair opportunity the first time. 

I fought hard to have the dispute reviewed again and submitted a third chargeback, this time faxing in evidence to the bank including the return tracking ( showing the item was received ), the merchants agreement to refund me, and screenshots of all follow-up communication. Today, Bank of America closed this third dispute without a meaningful explanation, despite all evidence being provided. 

I believe Bank of America failed to conduct a reasonable investigation under Regulation E. Across three disputes, I was never properly consulted, and the outcome appears to be based only on the merchants input. I returned the item using the label the merchant gave me and fulfilled every step they asked and I still have not been refunded. 

I am asking that my case be reopened and properly investigated, and that a refund be issued for this unfair and mishandled transaction.

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 2025-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Duplicate Reporting of Same Debt by Original Creditor and Debt Collector After Data Breach Violation of FCRA Details of the Issue : I am filing this complaint due to duplicate reporting of the same debt by both the original creditor ( XXXX/XXXX  ) and a debt collector ( XXXX XXXX XXXX ), which is damaging my credit profile and in violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, my personally identifiable information ( PII ) was exposed in a data breach, increasing the risk of inaccurate or fraudulent reporting. This has caused significant distress, and I am concerned that this collection account may be a result of the misuse of my compromised data. 

Facts Supporting My Complaint : XXXX. Original Creditor ( XXXX/XXXX  ) : Account # : XXXX Account Type : Installment Sales Contract Date Opened : XX/XX/XXXX High Credit : {$170.00} Balance : {$0.00} Payment Status : Charged off / Collection Last Reported : XX/XX/XXXX XXXX. Debt Collector ( XXXX XXXX XXXX ) : Account # : XXXX Account Type : Collection Date Opened : XX/XX/XXXX High Credit : {$170.00} Balance : {$170.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Both accounts reflect the exact same debt being reported twiceonce by the original creditor with a {$0.00} balance and again by the collector with a {$170.00} balance. This is misleading and creates the false impression that I owe XXXX separate debts, negatively affecting my credit. 

Data Breach Concerns : I was recently notified that my personal data, including identifying information, was compromised in a confirmed data breach ( XXXX XXXX : XXXX ). Due to this exposure, it is possible that this collection or its reporting stems from fraudulent activity or misuse of my information. 

This makes the duplicate reporting especially concerning, as it contributes to the inaccurate portrayal of my creditworthiness, potentially arising from unlawful access to my financial records. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information.

FCRA 1681e ( b ) : Consumer reporting agencies must maintain procedures to assure maximum possible accuracy.

Duplicate Reporting Creates Confusion and Harm : Reporting both tradelines as derogatory misrepresents the nature of the debt and harms my ability to obtain fair credit opportunities.

Company response to consumer: Closed with non-monetary relief