vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
LVNV FUNDING LLC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. I am aware that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please remove the information from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, I am not to be charged for this updated report. Furthermore, I kindly request that you notify any parties who have received my credit report within the last XXXX months of any corrections made. 
Thank you for your attention and assistance regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After XXXX  years the lender now sending my letters about unauthorized title transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or XXXX XXXX XXXXXXXX XXXX reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete Block & Delete dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

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 2025-10-15 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: FL

Complaint narrative:
remove all negative items, improper use of credit report

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 2025-10-15 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: FL

Complaint narrative:
I am requesting assistance with inaccurate or outdated mortgage reporting from XXXX XXXX XXXX ( XXXX ). 
My SLS mortgage account ( Account # XXXX ) was paid in full and closed on XX/XX/XXXX, yet it continues to report XXXX late payments from XX/XX/XXXX through XXXX on my Experian credit report. 
The account now shows as XXXX, XXXX, but the payment history remains severely derogatory. I understand that the late payments originally occurred after I lost my job in XXXX and then faced extended hardship during the XXXX pandemic. Despite this, I worked with XXXX through a loan modification and successfully paid the account in full. 
I have since rebuilt my credit and maintained a perfect payment record on all current accounts. The continued reporting of these delinquencies is now nearly XXXX years old and is scheduled to drop off in XX/XX/XXXX. I am asking that XXXX, in good faith and in recognition of my successful payoff and verified hardship, remove or suppress the delinquent payment history early as a goodwill or courtesy adjustment. 
I previously submitted a goodwill request directly to XXXX but have not received a resolution. I am now asking for the XXXX assistance in encouraging Specialized Loan Servicing to review this matter and consider an early removal of the negative history in accordance with the XXXX of XXXX reporting under the Fair Credit Reporting Act ( FCRA ). 
Ive attached my goodwill letter and proof of loan payoff to support this request.

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 2025-10-15 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: NJ

Complaint narrative:
I am filing this complaint regarding XXXX Bank XXXX XXXX # XXXX, currently shown as Paid Charge-Off on TransUnion, Settled Less Than Full Balance on Experian, and Collection/Charge-Off on Equifax. 

XXXX conflicting statuses for the same account violate FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). Equifax also lists a different high-credit amount ( {$3400.00} vs {$64000.00} ), creating a false appearance of new delinquency. This account was settled in 2024 and carries {$0.00} balance, yet XXXX keeps refreshing the Charge-Off date, extending derogatory impact in violation of XXXX ( a ) ( 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-15 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: CA

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 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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681s-2 if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report this morning and saw that the inaccurate late payments are still showing up, and it is very upsetting. I do not understand why this has not been fixed yet. Please review the documents I sent right away so I can finally stop stressing about this 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 2025-10-15 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 checked my credit report this morning and saw that the inaccurate late payments are still showing up, and it is very upsetting. I do not understand why this has not been fixed yet. Please review the documents I sent right away so I can finally stop stressing about this 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 2025-10-15 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
These accounts do not belong to me, nor did I authorize or consent to any transactions or agreements associated with them. Under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 604, 605B, 609, 611, and 623, I am exercising my right to dispute and request immediate investigation into these inaccuracies. These accounts are the result of identity theft, reporting errors, or unauthorized activity.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: IL

Complaint narrative:
CHERRY TECH is falsely reporting on my credit. I have never had any accounts with them. Per my research CHERRY TECH is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
I am submitting this complaint to formally dispute multiple unauthorized inquiries reporting on my Experian credit file. Rather than mailing the dispute separately, I am including my dispute letter as an attachment to this complaint so that the CFPB may directly forward it to the credit bureau. 
The unauthorized inquiries are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 
This approach ensures a verifiable chain of communication and gives me confidence that Experian will receive my request, acknowledge it, and respond as required under FCRA Section 611.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I made a mobile deposit to an business account on XX/XX/XXXX. This account is under a XXXX because I get paid XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that company 's CPA encouraged us to process the deposits this way. All checks deposited have come from the same maker, there has never been an overdraft on any of my accounts, none of these checks have bounced, and there have been over XXXX of these checks many of which have been larger than the {$2500.00} dollar amount that was deposited on XX/XX/XXXX. The bank put a 7 business day hold on these funds. This is a violation of Reg CC. There are no valid causes such as overdraft history or indication of a potential bounce that warrants this extended hold. The funds should be released immediately and I should be allowed to receive restitution for any and all late fees caused by the delay impacting my ability to make my normal monthly bill payments.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
regular user for about a year, recieved bill in XXXX paid what i used card for file fraud charges on several charges i did not authorize.contactedin XXXX that because charges were similar to other charges i paid company believed them to be valid. i told represenative i did not order or charge thus would not pay he stated i must pay to keep card current. i told him i would not pay to cancel card i would not and have not used again. recieved new bill will old charges and new charge i contacted discover represenative XXXX asked how a cancelled card got additional charges. she stated card was cancelled and then reopen by discover. i explained i did not authorize she then sent me to XXXX after discussion she said to many notes she sent me to XXXX in fraud dep i explained about card being closed she did have answer and sent me to account rep XXXX XXXX was told he was head of all ohio. after discussion XXXX then forwarded me to the fraud dept. i did not get the girls name there at this point i have been on the phone XXXX hours explaining and waiting. she d she said i needed to file a fraud charge i explained that it was not the merchant fault the card was cancelled she ask me to file fraud charge and then hold the line for someone else to again cancel the card after XXXX minutes of this i told her i had an appointment and cloud not hold. My card was cancelled and should not have been reopened i explained that the few charges i did not make i wouod not pay unless they have proof of my making these charges. i alos forwarded all this in a letter to discovercard XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
Your Name XXXX XXXX Your Current Address XXXX XXXX XXXX XXXX XXXX, State ZIP Code XXXX, NJ XXXX Email Address XXXX Phone Number XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Related to Data Breach Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute inaccurate information on my Equifax credit report, which I believe may be the result of identity theft stemming from the Equifax data breach. 

The following items are inaccurate and should be investigated and removed ( or corrected ) from my credit file : Creditor Name / Account Number : XXXX XXXX XXXX XXXX Nature of Dispute : This account does not belong to me. Its a result of identity theft that my confidential information was exposed from the Equifax data breach Requested Action : Remove collection immediately I have attached copies of supporting documents to verify my identity and support my claim, including : A copy of my government-issued photo ID A copy of a recent utility bill or bank statement showing my current address [ Any police report, FTC Identity Theft Report, or other documentation related to the fraud, if applicable ] Please conduct a thorough investigation of these disputed items pursuant to the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results. If the information is found to be inaccurate, please remove or correct it immediately on my credit report and send me an updated copy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief