vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
Re aging of XXXX XXXX accts re reporting as new charge off each month for over 40 months my disputes were ignored

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a U.S. citizen and have been since XXXX. However, every year I continue to receive a XXXX form from Bank of America , which is intended for non-U.S. persons and is not applicable to my status. This recurring error suggests that my citizenship status is incorrectly recorded in their system and needs to be corrected

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 2025-07-12 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: NY

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 XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 XXXXXXXX XXXX XXXX  # XXXX XX/XX/year> -- {$29.00}

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 2025-07-12 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: FL

Complaint narrative:
I am filing this formal complaint because Equifax is reporting multiple inaccurate and unverifiable accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i.

I have sent formal dispute letters to Equifax and called Equifaxs customer service to follow up, yet Equifax continues to report these items with no proper verification or permanent deletion. These accounts remain on my report unverified, incomplete, and damaging my creditworthiness.

Items at Issue : XXXX XXXX XXXX Closed/Charged-Off ( Acct ending XXXX ) : Still reports {$230000.00} balance with missing payment history.

Violation : FCRA 1681e ( b ) & 1681i ( 5 ). 
XXXX XXXX XXXX XXXX XXXX Closed/Charged-Off ( Acct ending XXXX ) : Balance {$150000.00}, no payment history at all, unverifiable. 
Violation : FCRA 1681e ( b ) & 1681i ( 5 ). 
XXXX XXXX XXXX XXXX Closed by grantor ( Acct ending XXXX ) : Reports {$22000.00} balance, 6 lates, and past due {$2500.00} despite being closed. Payment history inconsistent.

Violation : FCRA 1681e ( b ) & 1681i ( 5 ).

Personal Info : Equifax also continues to report outdated aliases and old addresses that do not match my legal ID or current residence.

Violation : FCRA 1681e ( b ).

What I Did : I filed my Dispute Letters including highlighted proof, ID, proof of address, and screenshots.

I called Equifax directly to request deletion. Equifax did not provide valid proof of investigation or the method of verification as required under FCRA 1681i ( a ) ( 7 ).

These accounts remain unchanged, continuing to report incomplete and misleading data, which damages my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing, once again, to formally demand that Experian comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 6 ) ( B ) ( iii ). Experians pattern of negligence and failure to fulfill its obligations under the FCRA is not just affecting me its why Experian is currently facing federal enforcement and lawsuits from the Consumer Financial Protection Bureau ( CFPB ). 

Since XXXX I have submitted multiple dispute letters and documentation regarding the XXXX XXXX XXXX collection account being reported under XXXX XXXX. I have repeatedly asked Experian to provide the method of verification, including : XXXX. The name, address, and telephone number of the individual or department that verified the accuracy of the account ; XXXX. The exact documentation reviewed to determine that the account is accurate ; XXXX. The date and manner of communication between Experian and the furnisher ; XXXX. A copy of the signed lease agreement allegedly validating my liability for the amount in question. 

To date, I have received no response from Experian to any of my written requests. Your credit report simply states that the information was verified, without providing any factual basis or legal compliance with my right to know how that verification was done. 

This continued lack of transparency is a clear violation of FCRA 611 ( a ), which mandates that credit reporting agencies must : Provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available. 

Experian has not provided this. 

Instead, you continue to report a disputed, inflated, and unverified debt, despite the documentation Ive provided showing : The lease had expired at the time of the alleged charges, The charges are unsubstantiated, And the photos sent by the collector lack dates or context.

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 2025-07-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I pulled my credit report recently and noticed XXXX XXXX  is falsely reporting an outstanding balance of {$9600.00} being reported on an alleged product either a credit card or some other product ( bearing account no. XXXX as reflected in my credit report ) that has a limit of {$9500.00} resulting in a 101 % utilization rate. The account is incorrectly marked as " open ''. This account has been closed with a XXXX balance for years. This is a serious factual inaccuracy and the account is closed carrying no debt. This erroneous reporting is causing significant and unjustified damage to my personal credit profile and score. 

Additionally, I recently discovered that XXXX XXXX  is improperly reporting my business credit card ( XXXX XXXX. XXXX ) on my personal credit reportfurther inflating my personal utilization ratio and compounding the damage to my score. These reporting errors are not isolated ; together, they reflect a pattern of careless or improper conduct that undermines the integrity of the credit reporting system. 

As a long-time XXXX XXXX customer with over 20 years of spotless history, I am appalled by the substantial reputational and financial harm the inaccurate reporting is inflicting. This has impacted my ability to qualify for credit and refinance existing obligations, and has caused both distress and economic loss.

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 2025-07-12 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request & Personal Information Removal Dear Sir or Madam, I am a verified victim of XXXX XXXX. In accordance with Section 605C of the Fair Credit Reporting Act, I am requesting that the following fraudulent accounts and personal information, which are directly linked to my trafficking experience, be permanently blocked and removed from my credit report. 



Fraudulent Accounts to Remove : 1. LVNV Funding Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Charged Off XXXX. XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Addresses to Be Removed Immediately : Please delete the following addresses, which were added without my consent and are associated with my XXXX  situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers to Remove : Please also remove the following employers, which are inaccurately listed and connected to the trafficking activity : XXXX XXXX XXXX XXXX Legal Basis & Request for Confirmation These accounts, addresses, and employers were connected to events during a time I was being trafficked and do not reflect valid or authorized information. I am requesting that : These items be blocked and deleted within 4 business days, as required under FCRA Section 605C A written confirmation be provided to me once the removal is complete Thank you for your prompt attention and compliance with federal protections for survivors.

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX, I made a financed purchase through Synchrony Bank at XXXX XXXX for approximately {$4200.00}. When the furniture was delivered, it arrived with visible defects ( red lines on the wood ) that were not present on the showroom model and were not disclosed during the sale. I immediately contacted the store to report the issue and request a resolution, but they did not offer a repair, replacement, or refund. 

Due to the lack of a satisfactory response, I decided to stop making payments for a defective product and filed a dispute with XXXX in XX/XX/XXXX. I provided evidence of the damage and the unresolved issue with the vendor. XXXX  stated that the information was reviewed by Synchrony Bank, but they did not delete or correct the account ; they simply added a note indicating that the consumer continues to dispute the information. 

Currently, the account is still being reported as Pays As Agreed and with an outstanding balance, which is misleading and negatively impacts my credit history. I have not received any documentation from Synchrony Bank to justify the debt, nor have they provided a direct response to my claims. 

I request that this account be removed from my credit history or corrected appropriately, and that steps be taken to ensure a fair response from both the vendor and the credit issuer.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX who received a payment through my online XXXX store on XX/XX/XXXX in the amount of {$130.00} ( due to PayPal fees the funds being held are {$120.00} ), which was deposited into my PayPal account on XX/XX/XXXX at XXXXXXXX XXXX When I logged into PayPal on XX/XX/XXXX, I saw the funds were temporarily held due to being a new seller. It stated that funds could be held for up to 21 days unless I provided documentation showing the product was delivered or the transaction was legitimate. 

A customer had shopped with me in person previously, but for this order, I needed to ship the specific products to her because I did not have them on hand. I contacted PayPal support and was told by a representative that I could lift the hold early if I submitted proof of delivery or documentation showing a history with the customer. I explained the situation and provided POS screenshots and prior records showing the customer had purchased and received products from me in the past. 

Trusting the representative 's instructions, I used my own bill money to complete the shipment, believing the funds would be released after submitting the documentation. 

On XX/XX/year>, I contacted PayPal via message and was given a different representative who told me to submit documents but said my account was permanently limited. I explained I was promised the funds by XX/XX/XXXX, but it was already XX/XX/XXXX and I had not received anything. I submitted documents, but they were rejected after review, leaving me unable to fulfill orders without the funds. 

The second rep advised me to call the XXXX PayPal number and speak to them directly. I was then put in contact with what I believe was the head of accounts, who told me there is no way to get the funds released or to refund the customer, he attempted while I was on the phone. I was instructed to wait until XX/XX/year>, when the hold will be automatically lifted. 

I was misled by PayPals initial instructions, acted in good faith, and now my business is being financially harmed because I can not access money I earned. This is causing me severe stress and is unfair treatment. I am requesting the immediate release of funds or at least the ability to refund the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am writing in response to a collection account listed on my credit report. This letter is a formal request for debt validation, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide all of the following : 1. The name and address of the original creditor 2. A copy of the original contract or agreement bearing my signature 3. A complete payment history and itemized accounting of the alleged debt 4. Proof that you are legally authorized to collect on this debt in my state 5. A copy of any judgment, if applicable Until this information is provided, I request that you cease all collection activity and not report this debt to the credit reporting agencies. If this debt has already been reported, please inform the bureaus that the account is disputed.

Be advised that failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my states Attorney Generals office. 

I look forward to your timely response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been working on my credit for a few months now and I noticed a debt from an account with XXXX XXXX. The debt is being collected by a XXXX XXXX called XXXX XXXX XXXX. I have communicated to the credit agencies that this account is more than XXXX XXXX XXXX ( it's almost XXXX XXXX XXXX ) and should not be listed on my consumer report per the statute of limitations. However, this item still appears on my credit report. I am not sure how this collection agency can violate the law like this, but I am hoping that this complaint will get this item off 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 explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Company : Equifax Subject : Furnishing of inaccurate information failure to delete unverifiable account Disputed Account : Furnisher : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Account # : XXXX Reported Balance : {$960.00} I am filing this complaint because Equifax is continuing to report a collection account from XXXX XXXX XXXX ( XXXX ) that is unverified, inaccurate, and incomplete. 

I previously submitted a dispute, and XXXX responded to the Consumer Financial Protection Bureau on XX/XX/year>. In their response, XXXX explicitly admitted : We may not have sufficient time to complete an investigation of the alleged inaccuracy. 

XXXX failed to provide : Any contract or agreement bearing my signature, No assignment or bill of sale from XXXX XXXX XXXX, No legal proof that they own the debt or are authorized to report it. 

Despite this failure, Equifax continues to report the account. This violates my rights under the Fair Credit Reporting Act, specifically : FCRA 1681i ( a ) : Requires deletion of unverifiable information FCRA 623 ( a ) : Prohibits furnishing of inaccurate or incomplete data FCRA 1681e ( b ) : Mandates maximum possible accuracy in consumer reporting Attachments XXXX XX/XX/year> response letter Screenshot bundle from all three bureaus showing XXXX as furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
In XX/XX/year>, I received a collection notice from Rausch Sturm LLP attempting to collect {$6300.00} on behalf of XXXX XXXX. I promptly submitted a written dispute and request for full debt validation, including a signed agreement, itemized accounting, and proof of ownership or assignment. Rausch Sturm failed to provide this required documentation. Their response merely repeated the alleged balance without offering supporting evidence, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Moreover, I am also being pursued by a separate collection agency for what appears to be the same account. This raises serious concerns about duplicate collection attempts and unlawful representation of ownership by third parties. Rausch Sturm continues to attempt collection without resolving these issues or validating the debt properly.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
I XXXX XXXX, XXXX, am submitting this complaint because a negative item DISCOVER account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has remained on my credit report beyond the 7-year limit, which violates the Fair Credit Reporting Act. I have disputed this item with the [ credit bureau ( s ) ], but they have not removed it. The date of first delinquency was [ XXXX  ], and it was posted on my report on [ XXXX  ]. Attached are my credit reports and correspondence showing my efforts to resolve this. I request the CFPBs help in enforcing the removal of this outdated negative item. ''

Company response to consumer: Closed with non-monetary relief