vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute and request verification of the following account ( s ) currently being reported on my consumer credit file. 

Creditor Name : XXXX XXXX, XXXX, Experian, CFPB Amount Reported : XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting full verification and validation of this alleged debt. Please provide competent evidence that I am legally obligated for the account, including but not limited to : A copy of the original signed agreement or contract bearing my signature Documentation showing the complete payment history Proof that the reporting party has the legal authority to collect and report this debt Verification of the accuracy and timeliness of the information being furnished If you are unable to provide the requested documentation, you are required under federal law to remove this account from my credit report. 

Please note that this request is not an acknowledgment of liability, nor is it an agreement to pay. It is a formal request for verification as permitted by law. 

I expect your investigation to be completed within the timeframe required by the FCRA. Failure to comply may result in further action to protect my consumer rights. 

Thank you for your prompt attention to this matter.

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 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
Apply for a loan company said someone with my name an date of birth has 3 social security card with my name

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the accuracy of a collection account being reported on my credit report. The account is reporting a balance and delinquent status that I believe is inaccurate and has not been properly verified. 

I have not been provided documentation validating this debt, including proof of my responsibility, an itemized breakdown of the balance, or confirmation that the reporting is complete and accurate. Additionally, the account appears to be reporting inconsistently across credit bureaus and may be improperly re-aged or duplicated.

I am requesting a full investigation into this account and verification of the information being furnished to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC
State: WA

Complaint narrative:
Illegal under Washington 's Predatory Loan Prevention Acteffective XXXXXXXX XXXX XXXX XXXXPredatory Loan Act ( RCW 19.144.010 ), APR over 25 % remove reporting

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for an XXXX XXXX auto-loan tradeline. 

On XX/XX/year>, I submitted a detailed written dispute to Equifax concerning thXXXX XXXX XXXX auto loan account ending in XXXX. In that dispute, I identified specific inaccuracies and inconsistencies in the reporting of the account, including the current balance, past-due amount, charge-off amount, payment history, and narrative codes. According to my Equifax credit file, the account is reported as charged off with a charge-off amount of approximately {$14000.00}, while simultaneously reporting a remaining balance and past-due amount of approximately {$10000.00}. The XXXX history reflects a mix of CO codes and multiple delinquency codes, while the balance history shows a fixed balance for an extended period that does not clearly reconcile with the reported charge-off and prior payment activity. 

Despite this dispute and supporting documentation, the tradeline continues to be reported in a manner that is internally inconsistent and misleading. The Equifax report does not clearly explain how the charge-off amount, remaining balance, and past-due status were calculated, how payments were applied, or whether any repossession, sale of collateral, or cancellation-of-debt activity occurred. This lack of reconciliation raises serious concerns about whether the reported information reflects a lawful and accurate accounting of the obligation.

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified. 

The continued reporting of conflicting balances, charge-off figures, past-due amounts, and delinquency codes indicates that the disputed information has not been properly verified or reconciled. Reporting internally inconsistent auto-loan data is materially misleading and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: NV

Complaint narrative:
I am filing this complaint because my consumer credit report contains multiple inaccurate, conflicting, and unlawfully reported negative accounts that continue to cause financial harm despite clear violations of federal law and credit reporting standards. These accounts are being reported with inconsistent balances, contradictory statuses, improper charge-off coding, duplicate collection activity, and unverifiable payment histories across the credit bureaus. 

Several of the negative accounts on my report are being reported differently on Experian and Equifax, including accounts that appear as both closed and open, charged off yet still reporting late payments, or duplicated under different furnishers for the same underlying debt. This includes collection and charge-off accounts tied to XXXX XXXX / XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX where the same debt is reported multiple ways with no clear chain of custody, no proof of assignment, and no consistent account status. 

Additionally, I have a charged-off XXXX account reporting only on Equifax with an extreme and facially unreasonable late-payment history that is not supported by any documentation. This account does not appear consistently across the other bureaus, which alone raises serious accuracy and completeness concerns under federal law. 

I also have a XXXX XXXX account that was previously charged off and later settled or resolved, yet Equifax continues to report it as derogatory years later, while the other bureaus report materially different outcomes. Reporting a charge-off after settlement or resolution, without uniform post-settlement coding, is misleading and violates Metro-2 reporting requirements. 

These reporting practices violate the Fair Credit Reporting Act, including the requirement to maintain maximum possible accuracy, conduct a reasonable investigation, and delete or correct information that can not be verified. They also violate FACTA identity-theft and reinvestigation protections and, where collections are involved, the Fair Debt Collection Practices Act due to continued reporting of disputed and unverified debts. 

As a result of these inaccuracies, I have suffered credit denials, higher interest rates, lost financial opportunities, and ongoing stress. I am not disputing minor clerical issues. I am disputing the fundamental legality and accuracy of how these negative accounts are being reported and maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: NV

Complaint narrative:
I am filing this complaint because my consumer credit report contains multiple inaccurate, conflicting, and unlawfully reported negative accounts that continue to cause financial harm despite clear violations of federal law and credit reporting standards. These accounts are being reported with inconsistent balances, contradictory statuses, improper charge-off coding, duplicate collection activity, and unverifiable payment histories across the credit bureaus. 

Several of the negative accounts on my report are being reported differently on Experian and Equifax, including accounts that appear as both closed and open, charged off yet still reporting late payments, or duplicated under different furnishers for the same underlying debt. This includes collection and charge-off accounts tied to XXXX XXXX / XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX where the same debt is reported multiple ways with no clear chain of custody, no proof of assignment, and no consistent account status. 

Additionally, I have a charged-off XXXX account reporting only on Equifax with an extreme and facially unreasonable late-payment history that is not supported by any documentation. This account does not appear consistently across the other bureaus, which alone raises serious accuracy and completeness concerns under federal law. 

I also have a XXXX XXXX account that was previously charged off and later settled or resolved, yet Equifax continues to report it as derogatory years later, while the other bureaus report materially different outcomes. Reporting a charge-off after settlement or resolution, without uniform post-settlement coding, is misleading and violates Metro-2 reporting requirements. 

These reporting practices violate the Fair Credit Reporting Act, including the requirement to maintain maximum possible accuracy, conduct a reasonable investigation, and delete or correct information that can not be verified. They also violate FACTA identity-theft and reinvestigation protections and, where collections are involved, the Fair Debt Collection Practices Act due to continued reporting of disputed and unverified debts. 

As a result of these inaccuracies, I have suffered credit denials, higher interest rates, lost financial opportunities, and ongoing stress. I am not disputing minor clerical issues. I am disputing the fundamental legality and accuracy of how these negative accounts are being reported and maintained.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I have disputed this information numerous times. Transunion reported my XXXX ed financial accounts as late. My last dispute was reported in XXXX and they had resolved the problem. A new report was reported that my payments for my XXXX accounts are late when NO. I have been paying on time for the last 10 months and I have also been paying above the required amount each month. The amount on each statement is around {$81.00} and I have been paying {$100.00} every month. On the XXXX of each month. Documents below to prove. My accounts were even in deferment until XX/XX/2025 and I was STILL making payments. I have never been late on payments and for some reason as of today XX/XX/2025 Transunion reported the accounts as late when prior it showed 100 % payments made each month. This made my credit score drop XXXX points and that is not okay this needs to be fixed immediately with correct information of on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I cashed a check with the XXXX XXXX app on XX/XX/XXXX. I requested the " Money in Minutes '' option to go to my PayPal account. Nearly immediately, the XXXX XXXX said that the funds were sent. It is now XX/XX/XXXX and I havent received the funds. Upon speaking to PayPal, they have said that there is a " system enhancement '' that has caused this issue for my and other accounts. They can not give me a date when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: IN

Complaint narrative:
I am filing this complaint against TransUnion LLC for reporting inaccurate and unverifiable personal identifying information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

After reviewing my TransUnion credit report obtained through XXXX, I discovered that TransUnion is reporting numerous phone numbers and addresses that do not belong to me, were never provided by me, and are not associated with my identity. These inaccurate personal identifiers create a risk of mixed files, misidentification, and potential identity misuse. 

I submitted a formal written dispute to TransUnion requesting the deletion of these inaccurate personal identifiers. Despite this notice, TransUnion has failed to ensure maximum possible accuracy of my credit file and continues to report personal information that can not be verified as accurate. 

Under the FCRA, TransUnion is required to conduct a reasonable reinvestigation and permanently delete personal information that can not be verified. Continuing to report inaccurate personal identifiers after receiving notice constitutes noncompliance with federal law. 

I am requesting that TransUnion immediately delete all inaccurate and unauthorized personal identifiers from my credit report and provide written confirmation of the corrections. If TransUnion can not verify the accuracy of this information with competent evidence, it must be permanently removed as required by law.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Backgrounds Online
State: KY

Complaint narrative:
I had to get a background check for an agency and I see information on there that does not belong to me or either it's an error or someone is using my information and has stolen my identity. I have NEVER LIVED IN ILLIONOIS OR FLORIDA! Only Kentucky my whole life. I need answers.....

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
AFFIDAVIT OF FACTS IN SUPPORT OF CREDIT REPORT DISPUTE ( General U.S. Template Modify for Your State ) STATE OF ________new Jersey____ ) COUNTY OF ____XXXX ) I XXXX [ Your Full Legal Name ], being first duly sworn, hereby declare and affirm as follows : I am over the age of XXXX ( XXXX ), competent to testify, and have personal knowledge of the facts stated herein.

I am the consumer referenced in credit reports issued by the following consumer reporting agencies : Equifax Information Services LLC Experian Information Solutions , Inc.

TransUnion LLC I have reviewed my consumer credit reports and have identified certain accounts and/or items that are inaccurate, incomplete, unverifiable, obsolete, or improperly reported, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

Pursuant to 15 U.S.C. 1681s-2 ( b ) and 1681i, consumer reporting agencies and furnishers of information are required to : Conduct a reasonable investigation upon dispute Verify the accuracy of reported information Delete or correct information that can not be verified I dispute the following items as inaccurate and/or unverifiable ( attach additional pages if necessary ) : Creditor Name : __________ Account Number ( last XXXX ) : XXXX Reason for Dispute : _______________________ Despite my good-faith disputes, certain items continue to be reported without proper verification, causing harm to my credit reputation. 

I affirm that I am not disputing accurate information, but only information that is false, misleading, incomplete, or reported contrary to federal law. 

This affidavit is made in good faith to support my rights under the Fair Credit Reporting Act and applicable law. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

FURTHER AFFIANT XXXX XXXX ______________________________ [ Your Full Legal Name ] Date : XXXX Subscribed and sworn before me this XXXX day of XXXXXXXX XXXX 

______________________________ Notary Public My Commission Expires : _________

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AFFIDAVIT OF FACTS IN SUPPORT OF CREDIT REPORT DISPUTE ( General U.S. Template Modify for Your State ) STATE OF ________new Jersey____ ) COUNTY OF ____XXXX ) I XXXX [ Your Full Legal Name ], being first duly sworn, hereby declare and affirm as follows : I am over the age of XXXX ( XXXX ), competent to testify, and have personal knowledge of the facts stated herein.

I am the consumer referenced in credit reports issued by the following consumer reporting agencies : Equifax Information Services LLC Experian Information Solutions , Inc.

TransUnion LLC I have reviewed my consumer credit reports and have identified certain accounts and/or items that are inaccurate, incomplete, unverifiable, obsolete, or improperly reported, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

Pursuant to 15 U.S.C. 1681s-2 ( b ) and 1681i, consumer reporting agencies and furnishers of information are required to : Conduct a reasonable investigation upon dispute Verify the accuracy of reported information Delete or correct information that can not be verified I dispute the following items as inaccurate and/or unverifiable ( attach additional pages if necessary ) : Creditor Name : __________ Account Number ( last XXXX ) : XXXX Reason for Dispute : _______________________ Despite my good-faith disputes, certain items continue to be reported without proper verification, causing harm to my credit reputation. 

I affirm that I am not disputing accurate information, but only information that is false, misleading, incomplete, or reported contrary to federal law. 

This affidavit is made in good faith to support my rights under the Fair Credit Reporting Act and applicable law. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

FURTHER AFFIANT XXXX XXXX ______________________________ [ Your Full Legal Name ] Date : XXXX Subscribed and sworn before me this XXXX day of XXXXXXXX XXXX 

______________________________ Notary Public My Commission Expires : _________

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$1700.00} in cash at a Bank of America drive-thru ATM located at a Bank of America branch . During the transaction, the ATM malfunctioned, shut down, and returned to the start screen without crediting my account, while retaining my cash. 

I went inside the branch immediately and reported the issue the same day. A claim was opened, and Bank of America issued provisional credit for {$1700.00} while the matter was investigated. 

On XX/XX/year>, Bank of America reversed the provisional credit and denied the claim, stating there was no proof of the cash deposit. No documentation, ATM balancing records, error logs, or camera review results were provided to support this denial. 

This ATM was owned and operated by Bank of America and located at their branch. I am requesting a full reinvestigation, including review of ATM cash balancing records, error logs, and camera footage, and correction of my account for the missing {$1700.00}.

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 monetary relief