vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-01 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Complaint Unauthorized cancellation of my new credit card and missing Claim Number My name is XXXX XXXX XXXX XXXX XXXX. I recently received a new Bank of America credit card ( last XXXX digits : XXXX ). 
On XX/XX/year>, I called Bank of America to report transactions I do not recognize and requested only to dispute/cancel those transactions. However, the representative canceled my entire card without my authorization and also did not provide me with the Claim Number for the case. 

The unauthorized charges are as follows : {$19.00} XXXX XXXX ( XX/XX/year> ) {$39.00} Posted XXXX XXXX NV ( XX/XX/year> ) {$19.00} Posted XXXX XXXX NV ( XX/XX/year> ) Total disputed amount : {$79.00} I request : 1. The Claim Number for my previous call ; 2. Confirmation that the fraud dispute was properly opened for the unrecognized charges ; 3. Clear information about the replacement card and delivery timeline, since my card had just arrived a few days earlier. 

I am very dissatisfied with this situation, as my card was new and I never authorized its cancellation.

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
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> -- {$6700.00}

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 explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: HI

Complaint narrative:
While carefully reviewing my Equifax, TransUnion and Experian credit report, I identified multiple entries that appear to be inaccurately reported and do not align with my verified payment history. These inaccuracies misrepresent my financial responsibility and create an unfair reflection of my creditworthiness, which may negatively impact my ability to obtain credit in the future. It is imperative that all accounts on my credit report are reported with maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ) 607 ( b ), and that any unverifiable information be corrected in accordance with FCRA 611 ( a ). 
The first account in question, XXXX XXXX XXXXXXXX, shows a balance of {$290.00}, with an opening date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. This account is inaccurately reported as XXXX days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. According to my records, all payments for this account were made on time and in accordance with the account terms. I have no documentation supporting the existence of these late payments. The reporting of these delinquencies is misleading and could potentially cause creditors to form a false impression of my reliability and payment behavior. 
The second account, XXXX XXXX XXXX XXXXXXXX, reflects a balance of {$420.00}, opened on XX/XX/XXXX, with a last activity date of XX/XX/XXXX. This account is reported without clear status regarding its payment history. My verified records confirm that all scheduled payments were submitted accurately and on time. The lack of clarity and potential misreporting of this account creates inconsistencies in my credit file, undermining the overall reliability of my credit report. 
The third account, DEPT OF EDUCATIONXXXX XXXX, with a balance of {$45000.00}, opened on XX/XX/XXXX, and last activity on XX/XX/XXXX, is reported as XXXX days late in XX/XX/XXXX. My records indicate that this account was not past due at any point during this period. The reported delinquency is therefore inaccurate, incomplete, and unverifiable. Such misreporting is inconsistent with the FCRA requirement that furnishers provide accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and with responsibility to maintain maximum possible accuracy for all consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I recently pulled my Equifax credit report, I was shocked and frustrated to discover an inquiry from XXXX XX/XX/year> that I never authorized. I did not apply for credit with this company on or around that date, and I did not give consent for them to access my personal credit file. Yet Equifax is publishing this inquiry as though it were legitimately tied to me. 

This is an extremely serious matter. My credit report contains some of the most sensitive financial information about me, and access to it is strictly governed by law. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, no company has the right to access my file without a permissible purpose, such as a credit application I knowingly initiated. The inquiry from XXXX clearly falls outside of these conditions. 

By allowing this inquiry to remain on my report without my authorization, Equifax is not only violating its obligations under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy, but also disregarding its duty to protect my file from unauthorized access. A hard inquiry, whether or not I consented to it, lowers my credit score and sends a misleading message to lenders that I am seeking new credit when in fact I am not. This creates an artificial perception of financial instability and reduces my access to fair credit opportunities. 

The harm here is both immediate and ongoing. Because of this erroneous inquiry, I am being viewed as riskier than I actually am. My credit score has taken a hit, which means I could be denied future loans, charged higher interest rates, or even questioned by landlords and employers about activity that I never initiated. It is not just unfairit is humiliating to feel like I must defend myself against a credit entry that never should have been there in the first place. 

Equifax can not simply dismiss this issue by claiming that XXXX reported the inquiry electronically. A proper reinvestigation under 15 U.S.C. 1681i requires Equifax to demand proof of permissible purpose from XXXX, which means original documentationsuch as a signed credit applicationshowing I gave consent. If Equifax can not obtain and provide this documentation, then the inquiry is unverifiable and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
When I reviewed my Equifax credit report, I was extremely troubled to discover a charge-off being reported under the following entry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported in a way that is both misleading and inaccurate, and it is actively damaging my credit profile and financial opportunities. A charge-off is supposed to reflect a debt that has been officially written off as uncollectible by the creditor, yet the way this account is displayed suggests a balance of {$43000.00} remains owed, which is contradictory, incomplete, and fails to provide clarity. 

Equifax has an obligation under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act to ensure that consumer credit files are reported with maximum possible accuracy. In this case, the entry is not only inaccurate but also confusing. If this account was truly charged off, the balance status must be reported correctly and consistently. Instead, what Equifax is publishing makes it appear as though I am still carrying an enormous unpaid debt while also being punished with the stigma of a charge-off. This kind of misreporting distorts my entire financial history and unfairly lowers my creditworthiness in the eyes of lenders, landlords, and other decision makers. 

The situation is even more concerning because I have not been provided with any verifiable documentation that validates this charge-off. Under 15 U.S.C. 1681i, I have the right to a reinvestigation when disputing inaccurate information. That means Equifax can not simply verify this by checking electronic records from the furnisher. A proper reinvestigation requires Equifax to obtain original account-level documentation from XXXX XXXX , such as billing statements, payment history, and the official charge-off determination. If Equifax can not produce these records, then this charge-off entry is unverified and must be removed. 

The harm to me is real and ongoing. Having a {$43000.00} charge-off on my credit report paints me as financially irresponsible and unstable, which is not an accurate reflection of my history. Because of this error, I have been denied credit, offered unfavorable loan terms, and even questioned by potential landlords about my ability to pay rent. It has caused embarrassment, stress, and a feeling of helplessness that no consumer should have to endure because of reporting failures outside their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This letter is sent in response to your collection attempts regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I hereby request that you provide full validation of the alleged debt. 

Please provide the following : XXXX. The original creditors name, address, and account number. 
XXXX. A complete payment history, including copies of any contracts, agreements, or documents bearing my signature. 
XXXX. Proof that LVNV Funding LLC is legally authorized to collect this debt in my state, including chain of title or assignment from the original creditor. 
XXXX. The exact amount you claim is owed, with an itemized breakdown of principal, interest, fees, and other charges. 

Until such validation is provided, you must cease all collection activities, including but not limited to phone calls, letters, and reporting this account to credit bureaus. 

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from any further communication with me, except to provide the requested validation or to notify me of specific legal action. 

Be advised : If you fail to provide the requested validation but continue collection attempts, I will consider this a willful violation of the FDCPA. 
Any continued unauthorized contact will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
I reserve the right to pursue all legal remedies available to me. 

This letter is not an acknowledgment of the alleged debt, nor a promise to pay. It is a formal assertion of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.

Complaint narrative:
Originally purchased this for my mother with XXXX XXXX, so she could still purchase online, but not able to max out a high limit personal card without really knowing what happened. 
She passed away before she was able to use it. I went to use it for subscriptions on my I phone. Only to find the card transactions although matching my prices were listed to XXXX XXXX XXXX I never had or have a pay subscription to XXXX or XXXX XXXX. And my subscriptions were not hounhb to continue as there was no actual payment made to them from the prepaid card. I ended up purchasing just an XXXX XXXX so my subscriptions wouldnt be deactivated. I called customer support as soon as it happened. Filed and signed and submitted the card-dispute form provided by the prepaid card company Vanilla on XX/XX/XXXX and was given 45- 90 days to resolve the issue. I have emailed and called several times to get the status. With the only response was its being disputed and to wait 45-90 days. I then called on day 90 I requested A supervisor or manager after they could not give me a response to the actual status of the investigation. With much persistence I got a female claiming to be the manager. I told her my issues and my health status as I also have a form of CA and from there proceeded to tell me I had to wait till some date in XXXX as it was not signed till XXXX when it was XXXX. Never have been able to retrieve a status and then she proceeded to mock me and was laughing when I said with a bit of dark humour Ill prob XXXX  before this is resolved. This is not a large amount of money but it is significant for me. And I never got to use it I am only now aware of the scandals and scams involving such cards. This is ridiculous I just want it resolved Im not a let it go when theres wrong to be righted. Customer service is a nightmare and rude but I just want the money replaced and to part with this mess. Its also a very painful situation with grieving my XXXX XXXX XXXX mom with XXXX XXXX. Never use these cards ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 am submitting this as my fourth follow-up complaint regarding inaccurate and unauthorized information that continues to be reported on my credit file despite multiple disputes.Bank of XXXX Account XXXX in XXXX XXXX, reported as a XXXX XXXX with a listed balance of {$59.00}. 
I never authorized or verified this account to be reported as such. This reporting is inaccurate and harmful. 
Under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), I have the right to dispute inaccurate information, and the credit reporting agencies are required to reinvestigate and correct or delete unverifiable data. 
Additionally, under FCRA XXXX XXXX U.S.C. XXXX, any information that is the result of identity theft or unverifiable can not legally remain on my file. 
XXXX XXXX account ending in XXXX XXXX with a balance of {$81.00}. 
I never authorized or verified such a collection to be associated with me. 
This account is inaccurate and must be removed immediately. 
XXXX dated XX/XX/year> XXXX dated XX/XX/year> I did not provide permissible purpose for these companies to access my credit file. 
Under FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), no entity may obtain a consumers credit report without authorization. 
FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ) and FCRA XXXX XXXX U.S.C. XXXX both require that access to my credit file be strictly limited to legitimate purposes, which clearly was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and capable of being verified. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

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