vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Complaint Type : Credit reporting agency ( Equifax ) Issue : Incorrect personal information / continued reporting of deleted account Submitted by : XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Correct Employer : XXXX XXXX XXXX I am filing this complaint against Equifax for continuing to report inaccurate personal information and an account that was previously confirmed as deleted. 
1. Incorrect Personal Information Equifax is still listing incorrect variations of my name, including XXXX, XXXX, XXXX, which is not my legal name. They are also listing a false address string that merges two separate cities : XXXX GA XXXX XXXX XXXX GA XXXX. These are two different cities, and that string is not a real address. I never lived there. Also, I NEVER lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. This data is inaccurate and misleading, and it is being used to tie me to accounts that are not valid. 
2. Previously Deleted Account Still Reporting Equifax previously sent me a letter stating that the XXXX XXXX  account ( ending in XXXX ) had been deleted. However, it is still showing up on my credit report Equifax and apps that use Equifax data. The account is reporting as a charge-off with a balance of {$890.00} and inaccurate payment history. This account should have been permanently deleted, and I never received mailed validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Transunion is reporting for LVNV Funding that this information is correct. Lvnv has written this debt off and has not provided me with a 1099 like they were suppose to when taking a write off. I asked that it be removed as they are a debt buyer and i didn't sign any documents with this company or the previous company. I did not sign any documents with this company and according to 15 USC 1592 I've never signed a contract with this company and this company should not have my information and are violating my rights. Upon research this company lvnv is a debt buyer company who obtained my information illegally. Lvnv is reporting inaccurate information and transunion is as well at this time. The original creditor has written this debt off and this should no longer be shown on my credit report. By continuing to report this you are violating my rights as i haven't signed any documents with this company. This company should not have any of my contact information. I would like this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not open this account. This is identity. Debt documents are included. Remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I HAVE DISPUTED THIS FRAUD ACCOUNT WITH XXXX XXXX XXXXXXXX WITH EQUIFAX OVER XXXX TIMES. I HAVE SUBMITTED PROOF SHOW THIS ACCOUNT DOESN'T BELONG TO ME AND EQUIFAX STILL ALLOWS XXXX XXXXXXXX XXXX TO REPORT THIS FRAUD ACCOUNT TO MY CREDIT FILE TO HURT ME AND DO CREDIT RUINS ON ME. NOW I CAN'T CLOSE ON MY HOUSE DUE TO EQUIFAX NOT GFOING BY THE RULES INTO A INVESTIGATION AND ALLOWING A BANK TO REPORT SOMETHING THAT EQUIFAX HAS KNOWLEDGE ITS FRAUD. XXXX XXXX XXXXXXXX ASK EVERY MO TO HAVE IT UNBLOCKED AFTER A 30 DAY MARK AND DOESN'T SHOW PROOF AT ALL BUT I SHOW ALL THE PROOF AND IT CLEARLY DOESN'T MATTER AT ALL. I HAVE NOW FILED SUIT AGAINST XXXX  AND NOW EQUIFAX FOR CREDIT RUINS AND TRADE LINE FRAUD. THEY ALLOW A BANK TO NOT SHOW ANY PROOF AND THEN ALLOW THEM TO REPORT THE ACCOUNT AGAIN AFTER A 30 DAY MARK WHICH INVESTIGATION ARE FOR 30 DAYS AND IF THE BANK DOESN'T RESPOND THE ACCOUNT IS XXXX BLOCKED. BUT NOT EQUIFAX. I HAVE NOW LOST XXXX IN MY DOWNPAYMENT AND MY HOUSE LOAN ALL BECAUSE THEY ALLOW A BANK TO WALK ON THEM. I GO THROUGH THIS EVERY XXXX PLUS DAYS AND NOW WHEN I DISPUTED THE ACCOUNTS ON EQUIFAX ON THERE ONLINE DISPUTE CENTER IT WILL NOT ALLOW ME TO UOLOAD NO ID OR SS CARD OR PROOF OF ADDRESS ONLY THE FTC IDENTITY THEFT REPORTS ONLY. ENOUGH IS ENOUGH AND NOW ILL LET THE ATTORNEYS HANDLE IT WITH EQUIFAX IF THIS ACCOUNT ISN'T REMOVE AND BLOCKED ASAP. I HAVE ATTACHED A POLICE REPORT, FTC IDENTITY THEFT REPORT, XXXX  DOCUMENTS SHOWING BOA IS STATING THIS ACCOUNT IS FRAUD AND THERE ADMITTING ITS NOT REPORTING TO ANY CREDIT FILE WITH MY NAME ON IT. XXXX ADMITTED TO THE CFPB THAT IS ACCOUNT IS FRAUD AND THERE NOT REPORTING TO EQUIFAX, EXPERIAN, TRANSUNION BUT CLEARLY THEY ARE. THEN EQUIFAX IS ALLOWING THEM TO REPORT A FRAUD ACCOUNT WITH KNOWLEDGE ITS FRAUD AND SHOW NO PROOF AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I'm writing because the XXXX XXXX account on my credit report is being reported as a charge-off every single month for an extended period of time - especially on Equifax, Experian and Transunion. 

That's not how charge-offs are supposed to work. 

A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against Metro 2 credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, I'm asking that this XXXX Bank account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately. 

account name : XXXX  XXXX account number : 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 2025-08-03 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: NV

Complaint narrative:
I'm writing because the XXXX XXXX account on my credit report is being reported as a charge-off every single month for an extended period of time - especially on Equifax, Experian and Transunion. 

That's not how charge-offs are supposed to work. 

A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against Metro 2 credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, I'm asking that this XXXX Bank account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately. 

account name : XXXX  XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank Delaware. A credit card was opened in my name by a family member back in XXXX.In the report, Barclay has it as XXXX. I was not employed during those times. I discovered this account in XXXX and attempted to dispute it over the phone. I gave up and made small payments while still unemployed. My bank statements will only show dates of XXXX and nothing older because I never had a bank account til late XXXX when I first started making payments towards Barclay. As you can see in Barclays report.According to Barclay their report shows that I made No payments at all. It is now XX/XX/XXXX and they still have this account on my report. The account was charged off. It was completely paid off. A charge off should be removed from the account for 7 years. I have sent them several letters to remove the information from all bureaus.

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 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company Jefferson capital responded and stated they whould remove the account off my credit report they only removed it from my XXXX report, but it still shows up on my XXXX score they sent the response back to cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: GA

Complaint narrative:
Since XX/XX/2025, myself & many others across the United States have been unable to login into the mobile app, website or get into contact with the company who issues prepaid debt cards ; Netspend.

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 2025-08-03 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: AZ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I HAVE DISPUTED THIS FRAUD ACCOUNT WITH BANK OF AMERICA OVER 30 TIMES WITH BOA AND SHOWN PROOF I WASN'T EVEN IN THE COUNTRY WHEN THE CRIME OF SOMEONE STEALING MY IDENTITY TO PURCHASE A AUTO AND TO USE BOA AS FINANCING. I SENT BOA A POLICE REPORT, FTC IDENTITY TEHFT REPORT, COURT RECORDS SHOWING THAT THERE OWN ATTORNEYS DISMISSED THAT COURT CASE DUE TO FINDINGS OF FRAUD TO PURCAHSE AND USE MY PERSONAL TO BUY A AUTO. I HAVE TALKED TO THE FRAUD INVESTIGATOR WITH BOA AND EVEN MET WITH ONE IN NOVXX/XX/XXXX AT THE XXXX XXXX XXXX BOA IN XXXX XXXX. THERE OWN ATTORNEYS MET WITH ME AND STATED THIS ACCOUNT IS FRAUD AND I WILL NOT BE SUED NOR RESPONSIBLE FOR ANY PAY BACK OF THIS LOAN. THEN BOA ATTORNEYS STATED IF BOA REPORTS THIS ACCOUNT TO FILE LEGAL ACTIONS AGAINST THEM FOR TRADE LINE FRAUD AND CREDIT RUINS AND THEN THEY EVEN GAVE ME A ATTORNEY WHO WOULD SUE FOR ME, BUT XXXX A XXXX XXXX SO I REALLY DON'T NEED A ATTORNEY BECUASE ITS FREE FOR ME TO SUE AND I WILL FILE LEAGL ACTION ON XX/XX/XXXX IF THIS ACCOUNT ISN'T REMOVE ASAP. I CALLED TO THE ESTATE SIDE OF BOA BECAUSE THEY STATED I WAS DEAD AND THIS ACCOUNT WAS IN THE ESTATE SIDE DUE SOMEONE SENDING IN A DEATH CERTF TO SHOW I HAVE PASSED. NOW THEY FUGURED IT OUT I WASN'T DEAD AND THEN THEY SAID IN WRITING THE ACCOUNT WAS DEEMED AS FRAUD AND THEY CLEARED ME FROM BEING PASSED. SO BOA NEEDS TO REALLY LOOK INTO THIS LOAN BEFORE IT GOES TO A JURY BECAUSE THEY WOULD LOOK LIKE SO STUPIT.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/year>, my spouse and I were misled into authorizing a hard credit inquiry at a XXXX XXXX XXXX sales presentation at XXXX XXXX XXXX XXXX XXXX XXXX SC. We were told we needed to authorize a credit check to access new owner benefits. At no point were we told we were applying for a credit card. 

We were handed an XXXX and only shown a signature box, no terms, no disclosures, no card information. While still in the meeting, I received an email from Barclays confirming a new credit card account had been opened. This was the first time I realized a card had been created. When I confronted the XXXX sales rep, he admitted he hadnt explained it clearly. 

We immediately left the meeting and called Barclays on XX/XX/year>. We spoke with XXXX, who confirmed the account was closed. However, the account still appears on our credit report and has damaged our credit scores. 

We are requesting that Barclays fully remove the accounts and reverse the credit inquiries, as they were obtained under false pretenses and without informed 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 2025-08-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: AL

Complaint narrative:
I am writing to formally dispute and demand the deletion of the collection account associated with XXXX Credit Card, reported by XXXX XXXX XXXX under account number XXXX. The original account was allegedly opened on XX/XX/XXXX, and reported as a collection as of XX/XX/XXXX, with a balance of {$1200.00}. 

At the time this credit account was opened and reported, I was under an active XXXX XXXX XXXX filed. Therefore, the reporting and collection activity that followed took place during my bankruptcy protection period and without approval from the bankruptcy court. 

Legal Issues : I never had a contract or agreement with XXXX XXXX XXXX. They failed to produce a signed agreement or debt validation documentation when I disputed the account. 

XXXX and XXXX XXXX should have been aware through the PACER system that I was actively in bankruptcy at the time this debt was sold or transferred. 

TransUnion and Equifax were notified through dispute processes but have continued to report this collection despite clear legal and procedural violations.

Violated Statutes : 11 U.S.C. 362 ( a ) Bankruptcy Automatic Stay ( blocks collection or reporting without court approval ) 11 U.S.C. 524 ( a ) ( 2 ) Discharge Injunction 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1692g FDCPA validation of debts upon request

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 2025-08-03 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: AL

Complaint narrative:
I am writing to formally dispute and demand the deletion of the collection account associated with XXXX Credit Card, reported by XXXX XXXX XXXX under account number XXXX. The original account was allegedly opened on XX/XX/XXXX, and reported as a collection as of XX/XX/XXXX, with a balance of {$1200.00}. 

At the time this credit account was opened and reported, I was under an active XXXX XXXX XXXX filed. Therefore, the reporting and collection activity that followed took place during my bankruptcy protection period and without approval from the bankruptcy court. 

Legal Issues : I never had a contract or agreement with XXXX XXXX XXXX. They failed to produce a signed agreement or debt validation documentation when I disputed the account. 

XXXX and XXXX XXXX should have been aware through the PACER system that I was actively in bankruptcy at the time this debt was sold or transferred. 

TransUnion and Equifax were notified through dispute processes but have continued to report this collection despite clear legal and procedural violations.

Violated Statutes : 11 U.S.C. 362 ( a ) Bankruptcy Automatic Stay ( blocks collection or reporting without court approval ) 11 U.S.C. 524 ( a ) ( 2 ) Discharge Injunction 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1692g FDCPA validation of debts upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute the hard inquiries and requested their removal. unfortunately, the credit bureau refused to remove them off of my report. this issue is causing under stress and is negatively affecting my financial standings.

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 2025-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute the hard inquiries and requested their removal. unfortunately, the credit bureau refused to remove them off of my report. this issue is causing under stress and is negatively affecting my financial standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXr 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief