vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverified late payments for the account BANK XXXX XXXX ( Account No. XXXX ) on my credit report. Specifically, Equifax shows a late payment for XX/XX/XXXX, even though the payment was made on time. 

I have already submitted a formal dispute to Equifax, providing proof of timely payments and a copy of my credit report with the inaccurate entries highlighted. Despite this, Equifax has failed to correct or delete the false late payment. This ongoing inaccuracy has caused me real harm, including higher interest rates, declined credit opportunities, and an unfair reflection of my creditworthiness. 

This inaccurate reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( b ) : Failure to ensure maximum possible accuracy of reported information XXXX ( XXXX U.S.C. XXXX ) : Failure to conduct a reasonable reinvestigation within XXXX  days XXXX ( a ) ( XXXX ) : Failure of the furnisher to promptly correct or delete inaccurate information XXXX ( a ) ( XXXX ) : Failure to provide prior written notice before reporting negative information Additionally, as established in XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), a reinvestigation that merely relies on automated responses from the furnisher does not meet the FCRAs requirement for a reasonable reinvestigation. 

Despite submitting verifiable documentation proving the XX/XX/XXXX payment was made on time, Equifax continues to report false information, which is a willful and negligent violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for inaccurate and unverified reporting of a charged-off XXXX  credit card account ending in XXXX XXXX, with a reported balance of {$2100.00}. I have formally disputed this account and requested validation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my written disputes, the credit bureaus have continued to report this account as valid without providing documentation proving the accuracy or ownership of the debt. This constitutes negligent and willful noncompliance with FCRA obligations to investigate and correct inaccurate data. I request immediate reinvestigation, deletion of the disputed account if validation can not be provided, and confirmation of compliance. I also request monitoring to ensure the account is not reinserted without proper certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

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 2025-11-03 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: NV

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for inaccurate and unverified reporting of a charged-off XXXX  credit card account ending in XXXX XXXX, with a reported balance of {$2100.00}. I have formally disputed this account and requested validation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my written disputes, the credit bureaus have continued to report this account as valid without providing documentation proving the accuracy or ownership of the debt. This constitutes negligent and willful noncompliance with FCRA obligations to investigate and correct inaccurate data. I request immediate reinvestigation, deletion of the disputed account if validation can not be provided, and confirmation of compliance. I also request monitoring to ensure the account is not reinserted without proper certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
On XX/XX/XXXX, I sent a certified dispute letter to Experian challenging multiple inaccurate and unverifiable negative items on my credit report. 

XXXX, which received the same dispute, deleted XXXX negative accounts, confirming that my disputes were valid. 

However, Experian never responded to my certified dispute, violating the Fair Credit Reporting Act ( FCRA XXXX, XXXX U.S.C. XXXX ) which requires a written response within XXXX  days. 

The following accounts remain on my Experian report with inaccuracies and unverifiable information : XXXX. XXXX Card Account ending in XXXX XXXX XXXX XXXX XXXX Status : Charged off / Derogatory Balance : {$2700.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Inaccuracy : Shows as Charged off as bad debt although XXXX  deleted similar data ; inconsistent payment history ( shows OK months after charge-off ). 

XXXX. XXXX Bank Delaware Account ending in XXXXXXXX XXXX XXXX XXXX  Status : Charged off / Derogatory Balance : {$0.00} ( reported as loss by creditor ) Date Opened : XX/XX/XXXX Inaccuracy : Account shows dispute resolved consumer disagrees but Experian failed to provide verification ; inconsistent with XXXX  XXXX. 

XXXX. XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection / Charged off Balance : {$0.00} Last Activity : XX/XX/XXXX Inaccuracy : Marked as settlement accepted and derogatory simultaneously ; inconsistent reporting vs. XXXX  ( deleted ). 

XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Bank Delaware Balance : {$2400.00} Date Reported : XX/XX/XXXX Inaccuracy : Listed as dispute resolved customer disagrees, but no validation was provided. 

XXXX. XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) Balance : {$110.00} Date Reported : XX/XX/XXXX Status : Collection / Chargeoff Inaccuracy : Listed as closed while also showing placed for collection, contradictory status ; unverifiable debt. 

These accounts have not been verified or corrected despite a certified dispute, and Experian has not responded to my lawful request. 
This lack of response within XXXX  days is a clear violation of the FCRA.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell : ( XXXX ) XXXX ( text first ) Date : XX/XX/year> To : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX And To : LVNV Funding LLC XXXX  XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, This letter serves as formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that I, XXXX XXXX, am exercising my right to request that you cease all communication with me regarding any alleged debt purportedly associated with the following accounts : XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX LVNV Funding LLC Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally prohibited from contacting me further except to : Advise me that your further efforts are being terminated ; Notify me that you may invoke specified remedies ; or Notify me that you intend to invoke a specified remedy permitted by law. 
Be advised that any future communication from you or your agents, except as allowed by law, will constitute a violation of the FDCPA and will be documented as evidence in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Washington State Attorney Generals Office. 
I also request that any and all telephone contact cease immediately. All future correspondence must be in writing and sent via U.S. Mail to the address listed above. 
This letter is not to be construed as acknowledgment of any debt, nor as consent to any continued collection efforts. I dispute the validity of any alleged debt referenced and require that you cease any further collection activities immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cell : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Recently I checked my TransUnion credit report and see few inaccurate reports in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

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

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If a
fter any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I went into the Bank of America and requested to open a personal account with {$10000.00}, which was to be transferred from my business account. The bank manager personally did the transaction. After a couple of weeks, I had not received my debit card. I called, and they said they would mail another one. Shortly after that, I was in the hospital for a brain injury, and the P.O. box was canceled. And for the next couple of years, I was undergoing XXXX. About 6 months ago, I went into the bank and asked for a printout of my account. The bank manager said he could not find an account, and the business account was closed. The personal account would have been opened sometime after XX/XX/year>. Im in hopes of the bank doing a executive or compliance review team with elevated security access to do a historical transaction and audit logs. And if the money is in a state of limbo? Thank you for your time.

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 2025-11-04 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: MI

Complaint narrative:
Please inspect the submitted documents ; the inquiries appeared without notice and may be improper.

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 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
Dear [ CFPB ], My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX retiree residing in XXXX XXXX I am writing to request your urgent assistance and oversight regarding a serious case of online fraud and institutional failure that has affected me and, I believe, many other SSA beneficiaries. 

In XX/XX/year>, I was misled by a deceptive vendor operating under the name XXXX, who falsely claimed to be affiliated with the legitimate website platform XXXX. Based on their misrepresentation, I authorized XXXX payments using my XXXX XXXX card, which is funded by my XXXX XXXX XXXX benefits. The charges totaled {$780.00} and XXXX additional payments of {$200.00}. 

The vendor failed to deliver a functioning website and instead posted a placeholder page with only my XXXX address. When I contacted XXXX directly, they confirmed in writing that XXXX is not affiliated with them and documented my report. 

I immediately filed a fraud dispute with XXXX XXXX but their fraud department responded with a letter stating that no error was made because I had authorized the payment. This response ignores the fact that I was deceived by a fraudulent vendor impersonating a legitimate company. I did not knowingly agree to be defrauded. 

To make matters worse, a XXXX employee from XXXX XXXX fraud department told someone assisting me that they would not help XXXX retirees who are victims of fraud. This is deeply troubling and suggests a systemic failure to protect vulnerable beneficiaries from financial exploitation. 

I respectfully request your office to : Investigate the handling of fraud disputes involving XXXX retirement funds, especially those processed through XXXX XXXX 

Examine the vendor impersonation practices of companies like XXXX and the lack of accountability in such cases. 

Advocate for stronger federal protections for XXXX beneficiaries, including oversight of financial institutions and contractors who fail to act on legitimate fraud complaints. 

I am prepared to provide documentation, timelines, and communications to support my case. I have built my business and legacy with integrity, and I believe XXXX retirees deserve protectionnot dismissalwhen targeted by fraud. 

Thank you for your time and attention to this matter. Look at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  next click on icon Contact Now are Book Appointment you will they us my XXXX Email address XXXX XXXX XXXX XXXX XXXX. They make me a business email XXXX but they would not make me no business email account to send in my proposal are receive me email from my contracting XXXX. Will cfpb get are my moneys back for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 2025-11-04 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: MI

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me in ways that are profoundly negative.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I hold no relation to these accounts ; they must be cleared from my report within 15 days under USC 1681g.

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 2025-11-03 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: NJ

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to Equifax regarding several inaccurate and unverifiable negative items on my credit report. 

XXXX  reviewed the same disputes and removed XXXX negative accounts, proving that my claims were valid. 

Equifax  never responded to my certified dispute and continues to report inaccurate and inconsistent data, in violation of the Fair Credit Reporting Act ( FCRA 611 ).

The following items remain with serious inconsistencies and missing verification : 1. XXXX XXXX  XXXX  Account ending in XXXX Status : Charged off / Derogatory Balance : {$0.00} ( shows charged off account and consumer disputes after resolution ) Date Reported : XX/XX/year> Inaccuracy : Still shows a charged-off balance despite no validation ; XXXX and XXXX list inconsistent dates. 

XXXX. XXXX Card Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged off / Derogatory Balance : {$2700.00} Date Reported : XX/XX/year> Inaccuracy : Shows charged off account though XXXX  deleted it ; inconsistent balance reporting. 

XXXX. XXXX  ( Factoring Companies ) Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open / Late 120 Days / Derogatory Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXX Inaccuracy : Equifax lists this as collection account open while XXXX  and XXXX  list it as closed ; data conflict. 

XXXX. XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ) Balance : {$110.00} Status : Collection / Chargeoff Inaccuracy : Listed as subject has not satisfied debt, yet no verification or response was provided after my certified dispute. 

XXXX. XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection / Charged off Balance : {$0.00} Inaccuracy : Reports derogatory and settlement accepted simultaneously ; inconsistent with XXXX corrected record. 

Equifax has failed to comply with the FCRAs requirement to investigate and respond within 30 days, and continues reporting unverifiable and inconsistent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
Can you investigate this entry? Its late and may have been reported incorrectly.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have an account with MoneyLion. I tried to delete the account in the app and they wouldn't let me. They directed me to call a number to delete it. I called the number and they answered and I told them I want to delete the account. They refused to delete the account. I asked them 3 times to delete it and they wouldn't.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation