vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: MO

Complaint narrative:
Between XXXX and XXXX, the XXXX major credit reporting agenciesEquifax, Experian, and TransUnionreported inaccurate and inconsistent information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CFPB Regulation V ( 12 C.F.R. 1022 ). 

I identified multiple derogatory and delinquent accounts that remain unverified or incorrectly reported despite prior disputes : XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Real estate account showing XXXX late payments ( XXXX and XX/XX/XXXX ). I have not received any verifiable proof or payment history justifying these delinquencies. 
XXXX. Capital XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off for {$450.00}, closed XX/XX/XXXX, reported without documentary validation from the original creditor. 
XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off with multiple delinquencies ( XXXX, XXXX, and XXXXday lates ) reported through XXXX ; however, no verification or signed agreement has been produced. 

Under FCRA 611 ( a ), each bureau must conduct a reasonable reinvestigation and delete any information that can not be verified. Instead, all three bureaus repeated unverifiable data provided by furnishers without obtaining actual validation documents. 

Additionally, each bureau continues to display outdated and conflicting personal identifiers, including the name XXXX XXXX, prior addresses at XXXX XXXX ( XXXXXXXX XXXX XXXX and XXXX XXXX  ( XXXXXXXX XXXX  XXXX, and former employers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). These are not current and must be deleted under 607 ( b ) for maximum possible accuracy. 

I have also noticed account-level discrepancies between the XXXX bureaus ( different balances, dates, and payment histories ), which further demonstrate procedural negligence and data-handling errors. 

This pattern of inaccurate reporting has directly damaged my creditworthiness and my ability to obtain financing, constituting negligent and willful noncompliance under FCRA 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 2025-10-06 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have unauthorized charges on my accounts several accounts Sofi bank XXXX bank XXXX I have disputed these charges and have not received any response or resolution I did receive a provisional credit from Sofi bank and a week or so later they stated that there was no error and they reversed the credit and now I am in the hole for over XXXX with no resolution to the other disputes and the disputes that I did not authorize they do not do the proper investigation they just act like they have investigated and dont send any proof as to who what when and where I need help this is more than XXXX between all these banks I ask for help please the say the customers money is protected but that is not the case everyone goes through this all the time and we loose our money I ask that I get some help because its not only one bank it multiple and different debit cards. Multiple transactions and to much money please help me. I can provide all these dates and amounts in a separate email because its to many transactions and several accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
THIS ACCOUNT IS MISTAKENLY REPORTED UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX pl XXXX IN, XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Credit Dispute Fraudulent Activity Due to Data Breach To Whom It May Concern, I am writing regarding fraudulent information appearing on my credit report as a direct result of the recent TransUnion data breach. My personally identifiable information was compromised, and unauthorized accounts and inquiries have since appeared on my record.

Per the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and REMOVE all fraudulent accounts, inquiries, and negative items resulting from identity theft. The questionable entries are affecting my financial standing and must be removed within XXXX ( XXXX ) days due to urgent financial needs. 

Specifically, please investigate and remove : [ List each item you believe is fraudulent, including : account numbers, company names, dates, etc. ] I have never authorized or opened these accounts/inquiries. For your reference, I have included : - A copy of my [ government-issued ID or drivers license ] - A copy of a recent utility bill or proof of address - Any additional evidence ( police report, FTC Identity Theft Report, etc. ) In accordance with federal law, I request the following : 1. Remove all fraudulent items from my report immediately.

2. Block these items from reappearing per FCRA Section 605B

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 2025-10-06 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to dispute accounts listed below. According to The Office of the Comptroller of the Currency this institution has been inactive since XX/XX/year>. Please provide a rational explanation why they are still reporting to your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint because I am experiencing improper and misleading collection tactics regarding the same alleged XXXX XXXX XXXX XXXX  account XXXX 

Original Dispute : I previously disputed this exact account with XXXX XXXX XXXX, XXXX through the XXXX  and CFPB. XXXX stated in writing that the account had been sold to another creditor. I specifically requested full validation/verification of the debt under the FDCPA and XXXX rules. 

New Collector Pretending the Dispute Never Happened : Despite my clear dispute on record, I have now received multiple letters dated XX/XX/year> from Resurgent Capital Services LP claiming to manage the same XXXX XXXX  account and instructing me to rerequest substantiation of the debt. Their letters are contradictory and misleading : One says the account is owned by XXXX XXXX  but serviced by XXXX. 

Another says Resurgent manages the account for Ally and references my recent dispute with XXXX. 

Some pages say this is not an attempt to collect, others say this is an attempt to collect a debt. 

These conflicting statements create confusion and appear designed to restart the XXXX dispute clock by presenting the same debt under a different entity name. 

Interest and Fees During Dispute : Ally and/or its agents continue to ask for payment of debt even though the account is under a valid dispute and no proper validation has been provided. I do not recognize this Resurgents company or the amount its claiming to have a right to collect.. 

Consumer Harm : This shell game between XXXX XXXX, XXXX XXXX XXXX, and Resurgent Capital Services misleads me about who actually owns the debt, undermines my rights to verification under the FDCPA, and forces me to repeatedly send the same requests to different names for the same account. 

This is a shifty shuffle by XXXX XXXX  and its agents. XXXX XXXX XXXX initially contacted me via text, claiming they were collecting for XXXX. When I contested that this was not a proper means of communication, they changed their story, claiming the account had been sold and that they had no relationship with the issuer of the account, stating : We are in receipt of the Consumers rejection of our response to her complaint. Please note that the consumers account has been sold from the credit issuer to our client and XXXX has no relationship with the issuer of the account. We apologize that the Consumer is not satisfied with the multiple responses, but the complaint has been addressed repeatedly.

Now, Resurgent Capital Services has contacted me about the same debt, pretending my prior dispute never happened and instructing me to request validation again. This repeated shuffle of names is misleading and is designed to evade my original dispute rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX 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 2025-10-06 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: PA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX 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 2025-10-06 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: PA

Complaint narrative:
This serves as my formal follow-up dispute demanding permanent deletion of inaccurate, unverifiable, and unauthorized items still appearing on my credit report. The continued presence of these records is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These items must be removed, not corrected. 
The following inaccurate addresses are being wrongfully reported and must be permanently deleted under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have no verifiable connection to these addresses, and their presence violates the accuracy and reinvestigation standards required by law. 
The following charged-off accounts are being reported in violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the absence of Form 1099-C on debts exceeding {$600.00}, making them incomplete and unverifiable : XXXX XXXX XXXX * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} Since these accounts can not be verified with proper documentation, they must be permanently deleted from my file. 
Additionally, the following collections are being reported in violation of both FCRA and FDCPA standards, including FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), for lack of validation and false or misleading representation : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} * * These debts are unverified and are being reported without complete substantiation, violating consumer protection laws. 
Finally, the following unauthorized inquiries were made without permissible purpose, in direct violation of 605B / 15 U.S.C. 1681c-2, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and they must be deleted immediately.

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 2025-10-06 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: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to file a formal request for account-level documentation and clarification regarding XXXX accounts that have been reported by XXXXSELF to the credit reporting agencies. The accounts in question are XXXXSELF XXXX XXXX XXXX  ( with a reported balance of {$0.00} ) and XXXXSELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( with a reported balance of {$0.00} ). This is NOT a dispute ; however, I believe the information being reported to the credit bureaus is inaccurate, and I am requesting additional documentation to verify the accuracy of the information reported. Specifically, I am requesting copies of the application for credit, the account agreement along with any annual disclosures, and billing statements from the open date of the account through to the present date. In addition, I would like a copy of any hardship or workout plan agreement, Gramm-Leach-Bliley ( GLB ) Disclosures, and, if applicable, a copy of the XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
I requested experian to review items on my credit and the investigation took more than 30 days and the reinvestigation has been more than 60 days. 

However, I must note that your reply was received more than 30 days after my dispute was submitted on XX/XX/year>, which exceeds the time frame allowed under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Under the FCRA, a credit reporting agency must complete its reinvestigation and provide written results within 30 days of receiving a consumers dispute. Since your response falls outside that statutory period, the disputed information should have been deleted as unverifiable within the required timeframe.

Therefore, I am requesting immediate removal of the disputed items due to Experians failure to comply with the 30-day requirement. Please confirm once the deletions have been processed, and provide an updated copy of my credit report reflecting the corrections.

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 2025-10-06 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 authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting to you once again regarding inaccurate and unverifiable information that continues to appear on my Equifax, TransUnion and Experian credit report despite prior disputes. This letter addresses XXXX critical categories of reporting errors that directly affect my creditworthiness and financial reputation : XXXX. 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 An inaccurate address that has no connection to me, and XXXX. Multiple XXXX  accounts and one XXXX  account that contain false late payment data inconsistent with my verified payment history. 
These errors collectively demonstrate ongoing noncompliance with your obligations under the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( 1 ) ( A ) ( requiring a reasonable reinvestigation of disputes ), and 623 ( a ) ( 1 ) ( A ) ( prohibiting furnishers from reporting information they know or should know is inaccurate ).

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation