vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
Department of Education - XXXX failed to update my IDR status on my credit report. I have attached an image to show the information from my view of my credit score print out. My IDR has been updated for the XXXXXXXX XXXX XXXX  year, which is indicated on student aid, however, the IDR year ONLY REFLECTS XX/XX/XXXX to XX/XX/XXXX. I have also attached a student aid IDR activity report to verify my IDR has been processed and approved for the XXXXXXXX XXXX XXXX  year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/year> SSN : XXXX Email : XXXX Phone : ( XXXX ) XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at that appears related These accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have not attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> EdFinancial Services Attn : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Student Loan Information To Whom It May Concern, I am writing to formally dispute inaccurate information that EdFinancial Services has reported on my credit reports. The accounts in question is listed under EdFinancial Services, Account Numbers ( last four digits ) : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The reporting is inaccurate and materially misrepresents the status of my accounts. 

Credit Report ( s ) Affected : XXXX XXXX XXXX XXXX XXXX Inaccuracy Details : [ Clearly describe the inaccurate reportinge.g., The account is reported as delinquent when it is current, The balance is incorrect, This account does not belong to me, etc. ] Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, I am exercising my rights to dispute inaccurate or incomplete information. Specifically : 1681i ( a ) ( 1 ) I have the right to dispute inaccurate information with the furnisher and require a reasonable investigation.

1681s-2 ( a ) & ( b ) EdFinancial Services has a legal obligation to provide accurate information and to correct or delete information that can not be verified.

1681e ( b ) All reported information must be accurate and complete.

1681i ( a ) ( 5 ) I am entitled to written results of your investigation.

1681n & 1681o Failure to comply with the FCRA may result in liability for willful or negligent noncompliance, including statutory damages, actual damages, attorneys fees, and costs. 

This letter serves as a formal demand for immediate removal or correction of the disputed information. If the inaccurate information is not verified and corrected or deleted within 30 days of receipt, I am prepared to pursue all legal remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil action for statutory and actual damages. 

Enclosed are copies of supporting documentation : Credit report excerpts highlighting the disputed information Payment records and correspondence demonstrating accuracy Proof of identity ( drivers license, utility bill, etc. ) Please provide written confirmation of the removal or correction of the disputed account within 30 days. Failure to comply will leave me no choice but to escalate this matter through legal channels. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX XXXX, I accidentally sent {$2500.00} via XXXX to the wrong person. As soon as I realized the mistake, I immediately contacted U.S. Bank and explained the situation. The bank representative told me that the funds would be blocked, but later I was informed that the money could not be recovered. 

I reported the issue promptly and followed all instructions given by the bank, but no assistance or recovery was provided. This situation has caused me significant financial hardship. I am requesting CFPB to review whether U.S. Bank handled my case fairly and if any recovery or goodwill adjustment is possible. 

What would be a fair resolution : I would like U.S. Bank to reconsider my case and provide a recovery of the {$2500.00}, or at least offer a goodwill adjustment, as I reported the mistake immediately and followed all instructions given.

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have a precious case and company responding stating they have spoken to me multiple times and that the company was given a bank statement. I want a copy of the statement. This is identity theft so if a Id was used Ofcourse it was stolen. They have spoken to me and I confirmed each time this was fraud and nothing was done. I gave the follow up information for the person listed and also offered to have the other person at the time turn in the car to have my name removed. The company had a different address and I provided them information of how to pick up the car. This is not my loan and this is fraud. I want proper documentation for justification of this being my loan. That is not my signature on the documents provided. I want my case with the police honored and my name removed from loan.

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 2025-11-12 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: AL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$8400.00} XXXX. XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$310.00} Inquiry Disputes : XXXXXXXX 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: OH

Complaint narrative:
This letter serves as my formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am demanding that your company immediately stop all communication and collection activity regarding any alleged debt you claim I owe. 

I do not acknowledge or accept responsibility for this debt, and you have failed to provide verified documentation proving its validity or ownership. Your continued attempts to contact me and report this account to the credit bureaus are causing unnecessary stress and damage to my credit reputation. As you are aware, once a consumer issues a written cease and desist notice, you are legally required to stop all forms of communication, except to confirm compliance or to notify me of specific legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, an

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are reported incorrectly across the XXXX major credit bureaus. These accounts are listed below for each bureau. I request that you investigate the accuracy of the information provided. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00} Inquiries : XXXX XXXX XXXX Open : 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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
On XX/XX/XXXX, I paid {$3500.00} to an event planner for a XXXX. On XX/XX/XXXX the event planner sent an email cancelled with me for her own personal reasons. In the email she explains shes having issues issuing a refund and to contact my bank. On XX/XX/XXXX, I opened a dispute with my bank and sent over the emails backing up my dispute. I called Current some weeks after asking about the dispute and wondering when I will get my money back. I was informed my dispute isnt under regulation E and I wouldnt be eligible for a refund. After being explained what regulation e is I most certainly am supposed to get a credit. Now its been well after 10 business days and I havent received a credit. I called current today and was told my dispute reason is goods not received which is a lie because I contacted the event planner asking about my money and she sent me over the dispute. The dispute is for cancelled service. Current bank has violated my rights as a banking customer and lied about it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing several entries on my credit report that I believe are either inaccurate or incomplete. Please find the details of the disputed accounts below, separated by credit bureau. 


Charged Off Accounts : XXXX XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} Inquiries : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have identified collection accounts on my credit report that I believe may be inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and complete. I am requesting that these collection accounts be reviewed, and if they can not be verified as correct, that they be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
In XXXX, I had a XXXX XXXX secured credit card. In XX/XX/XXXX, I mailed a payment toward the account, but the check was returned to me in XX/XX/XXXX and the account was closed. I never received any billing statements, letters, or calls from XXXX XXXX after that showing I owed a balance. 
Around XXXX, a woman from a company I didnt recognize called saying she was collecting for XXXX XXXX  XXXX When I said I didnt know that company, she asked if I knew XXXX XXXX I told her my XXXX XXXX account was closed, and she said Oh okay and ended the call. I was never sent any written debt-validation letter after that. 
In XX/XX/XXXX, I sent a written debt validation letter to LVNV Funding LLC and Resurgent Capital Services requesting proof of ownership, account statements, and documentation showing how they obtained the alleged account. They did not provide any validation. From XX/XX/XXXX through XX/XX/XXXX, I disputed the account every month through the online credit bureau portals. Each time, the bureaus marked it verified, but I never received any supporting documentation. XXXX response from Resurgent labeled my request frivolous, and another certified letter I sent was returned as undeliverable. 
LVNV Funding LLC and Resurgent Capital Services continue reporting this alleged {$210.00} collection account to multiple credit bureaus. On XXXX, the account appears under closed accounts but shows Date Opened : XX/XX/XXXX, Date of First Delinquency : XX/XX/XXXX, and Date Reported : XX/XX/XXXX. On XXXX, it appears as an open factoring company account opened XX/XX/XXXX, updated XX/XX/XXXX, and marked placed for collection. The account does not appear on XXXX, showing inconsistent and inaccurate reporting. These entries are false, misleading, and show clear re-aging of an account that was closed in XXXX and never validated.

Company response to consumer: Closed with non-monetary relief