vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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 dispute the following charged-off accounts reported by Experian. These accounts are inaccurate and should be investigated for potential removal. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX CARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Additionally, I dispute the following late payment reported by Experian, as it is inaccurate. 

XXXX Account Number : XXXXXXXX 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

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. 


DPT EDXXXX - 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 2025-11-20 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: WI

Complaint narrative:
I am disputing the accuracy and completeness of the following charged-off account ( s ) reported by Equifax : XXXX Account # XXXX Reported Date : XX/XX/XXXX Balance : {$350.00} Statement : This account is being inaccurately reported. I have no record of any valid contract or debt obligation with this creditor. I am requesting that Equifax verify this account in full compliance with the Fair Credit Reporting Act ( FCRA ) 611. If proper validation can not be provided, the account should be deleted from my credit file. 

Hard Inquiries I am disputing the legitimacy of the following recent hard inquiries appearing on my Equifax report : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Statement : I did not authorize these hard inquiries. I request that Equifax confirm whether valid permissible purpose under FCRA 604 ( a ) exists for each. If no such authorization or purpose can be proven, I request that these inquiries be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian and TransUnion refused to handle my disputes, claiming my letters were from a third party, which is falseI submitted them myself. Their refusal has left inaccurate items on my credit file, caused me stress, and denied me the investigation and corrections required under the FCRA. I have already filed a report with the FTC regarding this issue.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I wrote a cease and desist letter, mailed certified return receipt requesting validation of debt as debt is associated with an address in a state I never lived in. This was to LVNV/Resurgent Capital . After having received my request, they responded with a generic " account summary '' and providing no requested verification and continuing to seek recovery of debt. The letter sent after receipt of my request- as indicated by the receipt from delivery - also stated " This is an attempt to collect a debt and any information obtained will be used for that purpose '' - I believe this is a clear FDCPA violation and it is causing me to use my time and resources to address an issue that is being pursued which is not mine. I have retained all evidence and proof if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

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

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

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

Company 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 2025-11-20 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: AZ

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

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

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

Company 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 2025-11-20 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: OH

Complaint narrative:
On XX/XX/year> on the equifax app I disputed inquiries that was on me credit report without my knowledge. XX/XX/XXXX they said disputes were resolved inquiries were factual. I did not make inquiries must be identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
This is my third complaint to the CFPB within 30 days regarding XXXX  failing to correct inaccurate personal information on my credit file. 

For over six months, XXXX  has continued reporting incorrect names, old addresses, and outdated employer information, even though I have repeatedly disputed these items. XXXX  keeps sending the same identity-verification form letters, despite the fact that I have mailed multiple certified packets containing : government ID proof of SSN utility bills proof of my current address prior dispute letters XXXX  has not corrected anything and has not provided the verification method as required under FCRA 611 ( a ) ( 7 ). They have also failed to conduct a reasonable reinvestigation under FCRA 611. 

Instead, they continue to stall by sending repetitive verification letters that ignore the documentation I already submitted. This is preventing my credit file from being updated accurately and has now resulted in harm to my credit, including a XXXX drop on another bureau due to inaccurate information remaining on file. 

I am requesting CFPB intervention because XXXX  has repeatedly failed to properly reinvestigate, update, or verify the disputed information.

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 2025-11-20 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Choose one and send separately to each bureau ) Re : Unauthorized Hard Inquiry Request for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit file. The inquiry is listed as : Creditor/Business Name : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose under 15 U.S.C. 1681b to access my credit report. I do not recall authorizing this business to pull my credit, nor did I apply for credit, request services, or initiate any transaction that would permit this inquiry. 

Therefore, this inquiry lacks a permissible purpose under federal law and must be removed. 

Additionally, under 15 U.S.C. 1681i, I am invoking my right to request a reinvestigation of this unauthorized inquiry. Please contact the furnisher and obtain documentation that proves I provided written authorization. If such proof can not be produced, you are required to delete the inquiry from my credit report. 

Requested Action : Conduct a reinvestigation under FCRA 1681i Verify whether permissible purpose existed under FCRA 1681b Delete this inquiry if the furnisher can not provide signed authorization Please provide written confirmation of the results within 30 days, as required by federal law. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX ( last 4 digits only ) : XXXX  Date of Birth : 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 2025-11-20 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: OH

Complaint narrative:
I am disputing the following accounts with Equifax, which I believe to be inaccurate or incomplete : Charged Off Account ( s ) : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
New FCRA Violations After Filing Complaint To the Consumer Financial Protection Bureau, This is a supplemental statement regarding my active complaint against First Franklin Financial and XXXX 

The day after I filed the CFPB complaint, First Franklin Financial modified the account information in my XXXX credit report while the dispute was still open, which is a violation of : FCRA 623 ( a ) ( 3 ) furnishing or modifying information during an active dispute without verification FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 ( a ) interference with my dispute rights What they changed after my complaint : Reported two different balances ( {$1100.00} and {$0.00} ) Reported the account as paid 100 %, even though I made no payments Reported the account as charged off / profit & loss at the same time Changed the type from personal loan to secured loan Added the remark subscriber disagrees Caused an immediate XXXX score drop, contradicting their own account paid remark These changes are factually impossible, internally contradictory, and indicate a bad-faith attempt to alter data during a federal investigation. 

I am requesting : 1. A full CFPB investigation into First Franklin Financials post-dispute reporting 2. A review of XXXX acceptance of inconsistent data 3. Immediate removal of the account for willful FCRA violations 4. Civil liability consideration under FCRA 616 and 617 Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a Regions Checking account and credit card I obtained in XXXX. COVID came XXXX and I defaulted on both accounts havent paid anything towards them since. My credit reports shows it was paid and closed but in XX/XX/XXXX I receive mail saying I have an active Regions credit card with a balance and it has been trying to autopay itself from the closed Regions checking account since 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My accounts that I had with Navy Federal, XXXX, and XXXX XXXX checking accounts been closed due to the people and representatives that work for these branches. I was banned from Navy Federal because I was inquiring about my funds being taken out of my account without my permission or acknowledgment and police were called on me and I was banned to the point the only way to get access to my account I have to write to them. Even writing to them they still decline to service me. XXXX XXXX  falsely accused me of fraud when I was suppose to be receiving a {$500.00} check for a secured credit card that I applied for through XXXX XXXX. I never received my secured card from XXXX XXXX I been calling for months to receive a card but it never happened. So I decided to close the account and get my money back. That took for ever, the credit card company name XXXX didnt want to give me my money back. So it was a long process to get that but once I received it, I deposited to XXXX  because XXXX XXXX  was not properly taken care of my account. I deposited the check with XXXX  and XXXX declined it n I didnt know why. So I was calling both the issuer of the check, XXXX and XXXX XXXX to get this issued handled. Yet all these parties have a hand on my money but nobody dont want to give me my money. So instead of chase helping with this issue the branch XXXX flagged my account for fraud and called the police on me which banned me from that branch. So no I have no access to any of these banks due to poor communication and miss judgement but claiming something that wasnt true. All these parties money ever coming to any of these branches was money that I worked for and that is the post office. So currently right now I dont no access to any of these branches banks I had and now I cant receive money because of it. And also while all this was going on my personal stuff got stolen and I reported it to the police. So during this whole nobody have not helped me or assisted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief