vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN ( last XXXX ) : XXXX XXXX : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : ___ / ___ / XXXX RE : Formal Dispute of Inaccurate and Unverifiable Information Under FCRA 602, 607 ( b ), 611, 623 To Whom It May Concern : I am formally disputing specific items on my Equifax credit report that are inaccurate, inconsistent across bureaus, and unverifiable. Under my rights granted by the Fair Credit Reporting Act, I am demanding a reinvestigation and deletion of the following accounts. 
XXXX. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  ( Charge-off ) Reason for dispute ( FCRA 607 ( b ), 623 ( a ) ( 1 ), 611 ) : This account is reporting inconsistently across credit bureaus, including differing late payment histories and statuses. 
The account appears to be beyond the XXXX reporting period based on the original delinquency date. 
I dispute the accuracy of the balance, dates, and payment history. 
You are required to either verify with complete documentation or delete. 
Requested Action : Delete this account immediately for failure to meet the accuracy, completeness, and permissible reporting requirements under FCRA. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off ) Reason for dispute ( FCRA 607 ( b ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ), 611 ) : Equifax is reporting continuous charge-off updates into 2025, which constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ).

TransUnion does not report this account at all, proving inconsistent and unreliable data transmission. 
Payment history and month-to-month statuses do not match the other bureaus. 
This furnisher has failed to maintain uniform and accurate reporting. 
Requested Action : Delete this account due to illegal re-aging, inconsistent payment data, and failure to maintain reporting accuracy required under FCRA 607 ( b ).

REQUEST FOR METHOD OF VERIFICATION REQUIRED BY LAW If you verify any of these accounts, you must provide : The name of the furnisher, The method used to verify, The documentation provided to substantiate the account, The actual Date of First Delinquency ( DOFD ) used for reporting.

If you can not provide this, you must delete the accounts immediately.

FRAUD ALERT REMINDER My file contains an initial fraud alert. Under FCRA 605A, you must take extra steps to verify accuracy.

Thank you for acting promptly. Please mail an updated report to me upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
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 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 2025-11-18 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:
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 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I previously filed a CFPB complaint against Midland Credit Management on XX/XX/year>. On XX/XX/year>, Midland responded to the CFPB and explicitly stated -VERBATIM the following : Per your concerns, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. 

Despite putting the account in cease-and-desist status and confirming in writing to the CFPB that they will no longer contact me, Midland sent me a new collection letter dated XX/XX/year>, which I received AFTER their cease-and-desist declaration. 

This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA 805 ( c ) ), which prohibits a debt collector from communicating with a consumer after they have issued a cease-and-desist notice or represented that communication will stop.

Midland contacted me anyway. 

This is not only misleading and contradictory, but it also demonstrates improper collection behavior after confirming to a federal agency that they would stop. FDCPA violations allow statutory damages up to {$1000.00} per violation, and this postcease-and-desist communication qualifies as a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate or unverifiable information that needs to be corrected. 

XXXX. Charged Off Disputed The following charged-off accounts are incorrectly reported : XXXX, Acct XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$8300.00} These accounts need to be verified or removed if they can not be properly verified. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed : XXXX XXXX  Date Open : XX/XX/XXXXXXXX XXXX  Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX  Date Open : XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX These inquiries were made without my authorization and should be removed. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed

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 2025-11-18 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
This company keeps placing this charge on my account, no matter how many times I dispute it and explain that it isn't mine. I've even waited until after the seven-year period to contest the account, arguing that it's old, but they either sold it to a new company or rebranded, I'm not sure which. Over the years, I have repeatedly requested proof of the debt, but have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please see attachment for cease and desist and documents to verify my identification

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-18 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had XXXX unauthorized transactions/atm withdrawals, I disputed with Venmo. They assured me that they would investigate and I know they did not investigate properly because they would have found out that I in fact was not even in the cities at the times of withdrawal. They denied it, claiming it matched " past transactions '' that was their ONLY reasoning. That statement was false, I have not withdrawn all my money out of my Venmo at one time, I either transfer between banking institutes or leave my money in there because it's easy to send my children money when needed. I wasn't even in the towns that they were withdrawn at, I was a hour away XXXX incident and XXXX XXXXXXXX XXXX  away on another. Odd thing is, XXXX of the XXXX transactions they did approve and gave me back just {$60.00} but the other XXXX unauthorized transactions were denied. I have tried making police reports and giving them report numbers however, they claimed they couldn't put it in the notes. I'm extremely upset with how they have handled this, no one contacted me, no one investigated they just denied it. On XXXX of the dates, where it was withdrawn in XXXX Ca, I was in XXXX XXXX on my way to my sons football game where he broke his arm and I spent the rest of that evening in the ER with him. Venmo won't give me my money back, and I don't know what else to do except file a claim against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
My credit report contains multiple clear inaccuracies that are not a mistake. I previously notified your agency and was assured these errors would be removed that promise has not been kept. The continued presence of these incorrect entries is causing measurable harm to my credit and finances.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> I disputed the Nelnet accounts for inaccurate information reporting to the XXXX credit bureaus. The amounts of the disputes are : {$2300.00}, {$4700.00}, {$590.00}, {$3600.00}, {$7000.00}, {$1000.00}, {$1000.00}, {$1100.00}, {$5800.00}, {$8100.00}, {$2700.00}, {$11000.00}, {$6800.00}, {$16000.00} {$13000.00}. 
Nelnet suggested that all of the amounts are accurate and that the payments are in deferment. 
My information was transferred from another company, the information that was transferred from the company is also inaccurate, with inaccurate dates, and also the loan amounts from my XXXX programs had already been forgiven and removed from my credit profile. Also prior to the loan being transferred, I had made payments on the loan, no loan payments was transferred to any of these loan amount by Nelnet above. Under the FCRA 611 and 623, Nelnet could not provide the information I requested to verify accuracy of the student loans. They suggested that they did an investigation and that all of the information is accurate. The information is unverifiable and is in noncompliance with the laws to protect my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

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 XXXX 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 2025-11-18 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: VA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am submitting this statement regarding the following accounts, which are currently in dispute. I request that these accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX MORTGAGE XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-11-18 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: DE

Complaint narrative:
Subject : XXXX XXXX XXXX to Substantiate Permissible Purpose for Hard Inquiries Violation of the FCRA To the Consumer Financial Protection Bureau : I am filing this complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding several unauthorized hard inquiries appearing on my Equifax XXXX report. 

I have repeatedly requested that Equifax provide documentary proof that each entity listed below had a lawful permissible purpose to access my credit file. Equifax has not provided any such documentation, nor have they furnished evidence of a consumer-initiated credit application or my written authorization as required under federal law. 

Instead, Equifax relies on generic statements indicating that furnishers certify permissible purpose, which does not satisfy their statutory obligations under the FCRA. 

Relevant FCRA Provisions Violated 15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report only with the consumers written instructions.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) A report may only be furnished for a credit transaction initiated by the consumer.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes information, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 

Equifax has failed to produce : Copies of any written authorization bearing my signature, Evidence of a consumer-initiated credit application, or Any transactional documentation establishing permissible purpose. 

The inquiries I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX JUST XXXX XXXX SXXXX XXXXXXXX I have not established accounts with these entities, nor did I authorize credit pulls. 

XXXX continued reliance on unverifiable certification statements from third parties does not constitute a lawful reinvestigation and does not satisfy the requirements of 1681i.

This is improper.

I have not claimed identity theft.

I have claimed failure to verify permissible purpose, which is a separate legal issue under 1681b. 

A CRA can not force a consumer into an identity-theft process in order to avoid conducting a legally required reinvestigation. 

Requested Action by the CFPB I request that the CFPB compel Equifax to : Provide documentary proof of permissible purpose for each disputed inquiry, including written authorization or evidence of a consumer-initiated application, or Remove the inquiries immediately for failure to verify as required under 15 U.S.C. 1681i. 

XXXX obstruction and refusal to conduct a lawful reinvestigation constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 1681o. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion failed to fix problem with my credit 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 non-monetary relief
Consumer complaint received 2025-11-18 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:
Please look into the supplied materials ; the questions arrived unplanned and XXXX not have approval.

Company response to consumer: Closed with explanation