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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} and the failure of the credit reporting agencies ( CRAs ) to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 
2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision.

4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files.

Legal Precedent In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

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: NC

Complaint narrative:
I was reviewing my credit report and noticed collections accounts that do not belong to me. Also personal information needing update. Old addresses remove all and all employer info remove

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: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts. Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor. 2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency. 3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt. 4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied. Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately. Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account. Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. Thank you for your prompt attention. I expect your response within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in XXXX 2025, my vehicle was declared a total loss ( the accident occured XX/XX/year> ) A week later, on XX/XX/year>, my insurance company paid {$23000.00} toward the loan. on XX/XX/XXXX, XXXX insurer remitted {$5000.00}. Then after thess intail transactions, additional funds were recived, including a warranty refund of {$3200.00}, which when combined, matches my total loan amount of {$32000.00}. XXXX continues to report a false {$1400.00} balance that does not belong to me and has never been validated. I disputed this directly with XXXX and with all three credit bureaus. I also contacted my XXXX company and provided all documentation required. XXXX  refuses to provide a breakdown or proof of this alleged balance and continues to report inaccurate and damaging information on my credit profile, placing my account in the negative. 
Despite all these payments, for the last three to four months, I have filed 11 disputes ( from XXXX through now ) with the credit bureaus and sent them documentation showing the total-loss settlement and payments. Meanwhile, whenever I call XXXX, on multiple recorded lines, their representatives tell me Im in good standing but there is no action taken to correct the balance theyre reporting to the credit bureaus. 
This has been devastating : my credit is being hurt, Im unable to move on and secure a new vehicle, and I feel completely ignored. Every dispute seems to be met with lies or empty promises, with no substantive explanation or resolution from XXXX, and every time I call Im met with resistance and disrespect.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in XXXX 2025, my vehicle was declared a total loss ( the accident occured XX/XX/year> ) A week later, on XX/XX/year>, my insurance company paid {$23000.00} toward the loan. on XX/XX/XXXX, XXXX  insurer remitted {$5000.00}. Then after thess intail transactions, additional funds were recived, including a warranty refund of {$3200.00}, which when combined, matches my total loan amount of {$32000.00}. XXXX  continues to report a false {$1400.00} balance that does not belong to me and has never been validated. I disputed this directly with XXXX and with all three credit bureaus. I also contacted my XXXX  company and provided all documentation required. Ally refuses to provide a breakdown or proof of this alleged balance and continues to report inaccurate and damaging information on my credit profile, placing my account in the negative. 
Despite all these payments, for the last three to four months, I have filed 11 disputes ( from XXXX through now ) with the credit bureaus and sent them documentation showing the total-loss settlement and payments. Meanwhile, whenever I call XXXX, on multiple recorded lines, their representatives tell me Im in good standing but there is no action taken to correct the balance theyre reporting to the credit bureaus. 
This has been devastating : my credit is being hurt, Im unable to move on and secure a new vehicle, and I feel completely ignored. Every dispute seems to be met with lies or empty promises, with no substantive explanation or resolution from XXXX, and every time I call Im met with resistance and disrespect.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XXXX XXXX, my vehicle was declared a total loss ( the accident occured XX/XX/year> ) A week later, on XX/XX/year>, my insurance company paid {$23000.00} toward the loan. on XX/XX/XXXX, XXXX insurer remitted {$5000.00}. Then after thess intail transactions, additional funds were recived, including a warranty refund of {$3200.00}, which when combined, matches my total loan amount of {$32000.00}. XXXX continues to report a false {$1400.00} balance that does not belong to me and has never been validated. I disputed this directly with XXXX and with all three credit bureaus. I also contacted my XXXX company and provided all documentation required. XXXX refuses to provide a breakdown or proof of this alleged balance and continues to report inaccurate and damaging information on my credit profile, placing my account in the negative. 
Despite all these payments, for the last XXXX to XXXX months, I have filed XXXX disputes ( from XXXX through now ) with the credit bureaus and sent them documentation showing the total-loss settlement and payments. Meanwhile, whenever I call XXXX, on multiple recorded lines, their representatives tell me Im in good standing but there is no action taken to correct the balance theyre reporting to the credit bureaus. 
This has been devastating : my credit is being hurt, Im unable to move on and secure a new vehicle, and I feel completely ignored. Every dispute seems to be met with lies or empty promises, with no substantive explanation or resolution from XXXX, and every time I call Im met with resistance and disrespect.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: AK

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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and unverified late payment information for the following account on my credit report : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX Issue : This late payment is factually incorrect, as the payment for that month was made on time. 

I submitted a full dispute to Equifax and provided supporting documentation, including my credit report with the inaccurate entry highlighted and proof of timely payment. Despite this evidence, Equifax has not corrected or deleted the inaccurate late payment. 

This false reporting has caused me financial harm, including increased interest rates, credit denials, and an unfair negative reflection of my financial reliability.

Equifaxs continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Failure to ensure maximum possible accuracy 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Furnishers failure to correct or update information known to be inaccurate 623 ( a ) ( 7 ) : No prior written notice of negative reporting In addition, in Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), the court held that a credit bureau can not rely solely on automated verification from a furnisher when conducting a reinvestigation. A reasonable reinvestigation must verify information using original, tangible documentation.

Equifaxs failure to correct this errorafter receiving proofconstitutes negligent or willful noncompliance with the FCRA.

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 — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am requesting the complete removal of LVNV Fundings tradeline due to knowingly inaccurate reporting in violation of FCRA 623 and FDCPA 807.

I fully satisfied the underlying garnishment judgment in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX through wage deductions completed by XX/XX/year>. All funds were transmitted to the court registry by my employer. 

On XX/XX/year>, LVNVs attorney filed a Plaintiffs Application for Disbursement of Funds, confirming that all funds had been paid and requesting release from the court. This filing establishes actual knowledge that the debt was fully satisfied. 

On XX/XX/year>, the court docket publicly posted Request to Disburse Funds, confirming that all payments were received.

Despite LVNV having documented knowledge that the debt was paid in full, they have continued to furnish false, incomplete, and misleading information to the credit bureaus, including reporting a balance, reporting the garnishment as active, and failing to reflect satisfaction.

These violations were not accidental they occurred after LVNV had documented knowledge that the debt was paid in full.

This violates : FCRA 623 ( a ) ( 1 ) ( A ) knowingly furnishing inaccurate information FCRA 623 ( a ) ( 2 ) failure to update after receiving actual knowledge FDCPA 807 ( 2 ) ( A ) misrepresentation of the character or amount of a debt FDCPA 807 ( 8 ) misrepresenting the legal status of a debt LVNV was required to update the account once they had knowledge of payment, regardless of court processing delays. Their refusal to correct the record has caused significant harm.

Because LVNV knowingly reported false information after acquiring actual knowledge of full payment, I am requesting that the CFPB require LVNV to : Remove the tradeline entirely for legal noncompliance and inaccurate reporting ; I request that the CFPB compel LVNV to correct or fully delete the account and provide written confirmation.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and unverified late payment information for the following account on my credit report : Account Name : XXXX Account Number : XXXX Reported Late Payment : XX/XX/XXXX Issue : This late payment is factually incorrect, as the payment for that month was made on time. 

I submitted a full dispute to Equifax and provided supporting documentation, including my credit report with the inaccurate entry highlighted and proof of timely payment. Despite this evidence, Equifax has not corrected or deleted the inaccurate late payment. 

This false reporting has caused me financial harm, including increased interest rates, credit denials, and an unfair negative reflection of my financial reliability.

Equifaxs continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Failure to ensure maximum possible accuracy 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Furnishers failure to correct or update information known to be inaccurate 623 ( a ) ( 7 ) : No prior written notice of negative reporting In addition, in Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), the court held that a credit bureau can not rely solely on automated verification from a furnisher when conducting a reinvestigation. A reasonable reinvestigation must verify information using original, tangible documentation.

Equifaxs failure to correct this errorafter receiving proofconstitutes negligent or willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX my bank drained the funds from my account without any notice or authorization. The withdrawal was made in connection to a defaulted loan that my sister took out years ago, which my mother co-signed. 

I want to be absolutely clear : I am not listed anywhere on that loan. I never signed for it, never agreed to it, and have no legal or financial responsibility for it. 

The bank told my mother earlier that day to remove my name from her account to protect my funds and that she had until the end of the day. However, about 30 minutes before she completed that removal, the bank drained my account.

I received no phone call, no email, no letter, and no prior notification that this withdrawal would occur. I was given no opportunity to dispute or stop it.

I am a college student who budgets carefully, and this withdrawal has left me without funds for essential
s. I believe this was an unauthorized and unfair seizure of my money under the pretext of a debt that is not mine.

I am requesting a full investigation, written explanation, and immediate restoration of my funds. 

I have already contacted the bank to request documentation and have not yet received a satisfactory response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding an unresolved billing issue with Apple Inc. involving multiple disputes totaling {$450.00}. Despite repeated efforts and documentation submissions over the past year, this matter remains unresolved.

Below is a summary of all Apple dispute reference numbers and dates associated with this ongoing issue : Dispute ID XXXX XX/XX/XXXX Dispute ID XXXX XX/XX/XXXX Dispute ID XXXX XX/XX/XXXX Dispute ID XXXX XX/XX/XXXX Dispute ID XXXX XX/XX/XXXX Dispute ID XXXX XX/XX/XXXX Since the beginning of this dispute series, I have consistently submitted all required documentation every six weeks, following Apples requests and procedures. However, each time I comply, the dispute is either closed or reissued under a new ID without a final resolution or refund. 
I have communicated multiple times with Apples billing dispute department and provided evidence of the transaction in question, yet the case continues to cycle through without acknowledgment of the documentation or resolution of the charge. 
I am now formally requesting regulatory assistance in resolving this matter, as Apple has failed to provide a clear explanation, refund, or closure despite multiple case filings.

Requested Resolution : That Apple be required to reopen and consolidate all the above disputes into a single review.

That the {$450.00} charge be refunded or fully justified in writing.

That Apple be directed to cease repetitive reissuance of new dispute IDs without resolution. 
I am attaching copies of my documentation, correspondence, and proof of ongoing submissions for your review. 
Thank you for your attention and assistance in ensuring fair consumer treatment and proper resolution.

Company response to consumer: Closed with explanation