vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 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 XXXXXX/XX/year> -- {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding the inaccurate and duplicate reporting of a collection account by LVNV FUNDING LLC XXXX, which appears twice on my credit report. The first entry shows a high balance of {$590.00} with an opening date of XX/XX/year>, and the second entry lists the same account number and balance but with an opening date of XX/XX/year>. This duplication is false, misleading, and a clear violation of the Fair Credit Reporting Act ( FCRA ), as it unfairly portrays the existence of two separate debts when only one account, if any, should exist. I have no verified knowledge of this alleged debt, and LVNV FUNDING has failed to provide any documentation or validation proving its legitimacy. XXXX continued reporting of this unverified and duplicated collection account is causing harm to my creditworthiness and financial reputation. I am requesting that the CFPB review this matter and ensure that LVNV FUNDING LLC and XXXX  delete all unverifiable and duplicate entries associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation.

Charged Off : XXXX  XXXX - XXXX Date : XX/XX/XXXX | Amount : {$160.00} XXXX  XXXX - XXXX Date : XX/XX/XXXX | Amount : {$730.00} XXXX  XXXX - XXXX Date : XX/XX/XXXX | Amount : {$270.00} XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$1200.00} XXXX  XXXX - XXXX Date : XX/XX/XXXX | Amount : {$5600.00} XXXX XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$8600.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$1100.00} XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX - XXXX Date : XX/XX/XXXX | Amount : {$2100.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$23000.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-30 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: GA

Complaint narrative:
I am also disputing inaccurate and unauthorized information appearing on my TransUnion report.

Charged-Off Account in Dispute ( TransUnion ) : XXXX XXXX Account # XXXX, Reported XX/XX/year>, Balance : {$2100.00} This account appears to be reported inaccurately and may not belong to me. I request a full reinvestigation per FCRA 611 and deletion of this account if it can not be verified with proper documentation from the furnisher. 

Inquiries in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-10-30 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been disputing fraudulent charges on my XXXX Citi Bank card for roughly 11 months and they can not resolve them. Customer service is impossible to deal with. It is not impacting my credit rating and other credit card providers I have.

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 2025-10-30 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: Global Lending Services LLC
State: NC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

I was never informed that my vehicle was sold in an auction nor how much the vehicle was sold for. I havent received a written notice in the mail or an email stating the dealing ; where the vehicle was sold at nor the remaining amount on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-30 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: CA

Complaint narrative:
I am disputing the following charged-off accounts listed on my TransUnion credit report. These accounts have discrepancies in the reported information, and I am requesting a thorough review and correction.

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XXXX, {$800.00} XXXX XXXX XXXX, XXXX, XXXX, {$810.00} XXXX XXXX XXXX, XXXX, XXXX, {$1100.00} XXXX, XXXX, XXXX, {$2300.00} XXXX XXXX, XXXX XXXX XXXX, {$2200.00} XXXX XXXX, XXXX, XXXX, {$2000.00} XXXX XXXX, XXXX, XXXX, {$1400.00} XXXX XXXX, XXXX, XXXX, {$1400.00} XXXX XXXX, XXXX, XXXX, {$640.00} XXXX XXXX, XXXX, XXXX, {$520.00} XXXX, XXXX, XXXX, {$780.00} XXXX, XXXX, XXXX, {$0.00} Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Late Payments : 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 non-monetary relief
Consumer complaint received 2025-10-30 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 submitting this complaint because my Experian credit report contains entries that may be inaccurate or unverifiable. I request a reinvestigation under FCRA 611.

Charged-Off Accounts in Dispute XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX  XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} Please verify each account with the original creditor. Remove or correct any account that can not be verified. 

Inquiries There are currently no inquiries in dispute with Experian. 

Late Payments XXXX XXXX Please verify this late payment. Remove or correct it if it can not be verified. 

There are currently no positive accounts in dispute with Experian.

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 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
Dear SUNRISE CREDIT SERVICES, INC. ; XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo took {$7000.00} off of my checking account. They said I was acknowledged in XX/XX/year>. I never signed any paperwork nor was I notified. This is all the money I have, I am a single mom of XXXX children. Please help my get my money back.

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 2025-10-30 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: TN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$40000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$2700.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$44000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I filed a dispute with PNC Bank regarding unauthorized/fraudulent charges made through XXXX for services not rendered. Despite providing full documentation, including proof of the merchant agreeing to issue a refund and evidence that I was blocked by the merchant, PNC denied my dispute citing untimely notification.

However, I filed the dispute within a reasonable timeframe once I became aware of the issue, and PNC failed to investigate the service-related fraud properly. Im requesting that PNC reopen and review my dispute under Regulation E and refund the funds lost. 

Ive also been contacted about repaying a negative balance that resulted from this unresolved dispute, which should be paused pending a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my concern regarding the recent closure of my Citi Strata card account.

I applied for a Citi Strata card and was instructed to submit a signed Form 4506 as part of the account verification process. At that time, I was informed that the annual fee for this year would be waived.

After my initial submission of the form was deemed incorrect, I was granted an additional 30 days to submit a corrected version. I promptly submitted the corrected form, and tracking records confirm that it was received by Citi.

Despite this, my account was closed shortly after the receipt of my corrected form. Given the timing, it appears my documentation may not have been fully reviewed prior to the account closure, which has caused unnecessary stress and inconvenience, especially as I complied with all instructions and deadlines.

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