vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
Immediately and permanently delete the XXXX XXXX XXXX  XXXX tradeline from my consumer report, as they are reporting a charged-off account without verifying its validity, proper accounting, or legal standing of the furnisher. The continued reporting of a balance after a charge-off without evidence of lawful collection rights or IRS tax compliance violates 15 U.S.C. 1681s-2 ( b ).

Initiate a reinvestigation under FCRA 611, with full documentation from the furnisher, including : A signed contract, Proof of ownership ( chain of title ), Reconciliation of the account from {$500.00} to {$1300.00}, IRS Form 1099-C or 1099-A if the debt was canceled or abandoned, Confirmation that XXXX XXXX has not been paid via securitization, insurance, or any third-party charge settlement. 

Provide a full Method of Verification as required by FCRA, including all correspondence with XXXX XXXX XXXX  and confirmation that Equifax verified the accuracy using primary source documentationnot electronic confirmations or ACDV codes. 

Update the record to show deleted status, and issue corrected consumer disclosures to all parties with whom this inaccurate information was shared. 

If no resolution is reached, I reserve the right to : Report this inaccuracy and potential fraud to the IRS ( 3949-A, 1099-B ), File a formal FTC complaint, Initiate civil litigation under the Fair Credit Reporting Act for failure to maintain maximum possible accuracy and failure to conduct a reasonable investigation. 

Equifax has a legal duty to ensure that information furnished and maintained in my consumer file is accurate, verifiable, and not misleading. Failure to do so will be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
b'My information was involved and affected by several data breaches. My information was involved in the following data breaches; Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Between June 1718, 2025, I filed formal disputes with XXXX  regarding four LVNV Funding accounts reporting inaccurate and unverifiable balances of {$2900.00}, {$3100.00}, {$2300.00}, and {$7000.00} respectively. These accounts were listed as collection accounts with no supporting documentation, no payment history, and inflated amounts far exceeding any original credit limits. I submitted dispute letters requesting validation, including itemized breakdowns, original contracts, and legal basis for fees. 

Despite submitting evidence and citing FCRA 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ), XXXX  completed its reinvestigation in under 24 hours which is not reasonable given the documentation and complexity of the disputes. The results showed no meaningful updates or validation. I received no documentation of verification from the furnishers, or the investigation process itself. 

XXXX  failed to meet its legal obligation to verify the accuracy of the information and remove unverified accounts, and continues to report these accounts, harming my credit unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
We rented a car from XXXX ( purchased via XXXX ) for 10 days in Hawaii ( XXXX ). From XX/XX/XXXX to XX/XX/XXXX. A couple days after the return of the car we received a notification that a {$450.00} fee for cleaning will be imposed. See attached pictures taken by the company showing " excessive amount of sand ''. 
First of all, we rented a XXXX not a XXXX, second, the sand was on a floor mat that takes seconds to take out and clean ( a typical amount of sand as shown on the pictures ), third {$450.00}!!!!!!! No mud on the seats, clean body of the car, nothing wet, no spills etc and {$450.00}!!! to clean that? We have a video of the car 's exterior at the drop off, I did not bother to record inside as this never crossed my mind. 
We complained to XXXX and in the end got the charge reduced to {$100.00}. 
In the meanwhile we disputed the charge with Citi, and after some time received a " Resolution '' that I do not think the Citi representative read. In a nutshell it stated we received a partial refund so they are closing it.

We disagree with the entire charge, the fact that it was greatly reduced does not make us ok with it. We would like XXXX to reverse the remaining {$100.00} as well. 
We can take this to court if needed ( for principle, though we understand we would be forced to arbitration before we could even file a small claims court case ), and are also planning to file a complaint with XXXX  and XXXX, but thought we would try here as well.

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 monetary relief
Consumer complaint received 2025-06-20 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have disputed this information several times an requesting information pertaining to the validity and identity of the account and they have refused to provide it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-20 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Reinforcement of Inaccurate Information on Credit Report I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. This complaint concerns the ongoing reporting of inaccurate information on my credit report and the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( 7 ), I have the right to obtain a complete description of the reinvestigation procedures used to verify disputed information on my credit file. Despite my previous dispute, I have not received such details. I am requesting the following information to understand how the listed accounts were allegedly verified : Disputed Accounts : XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-20 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-20 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$640.00}. 

CREDITOR : XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$500.00}

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 2025-06-20 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: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  XXXX for inaccurate, misleading, and potentially fraudulent reporting of an alleged charged-off account appearing on my credit report, as of XX/XX/XXXX. 

The account shows the following across TransUnion, Experian, and Equifax : Balance : {$1300.00} Credit Limit : {$500.00} Account Status : Closed, Charged-Off Last Activity : Between XX/XX/XXXX and XX/XX/XXXX Reported as : " Profit and loss write-off '' and " Charged off as bad debt '' I dispute this account for the following reasons : Violation of the Fair Credit Reporting Act ( FCRA ) The continued reporting of a charged-off account with an unpaid balance is deceptive if the lender received compensation through insurance, securitization, or a tax write-off. I have not received any method of verification from the bureaus or the furnisher. 

Failure to Provide Proper Validation or Chain of Title I issued a lawful Conditional Acceptance requesting validation and proof of lawful assignment, but XXXX XXXX failed to produce any affidavit, XXXX contract, or proof that they are the lawful holder in due course under UCC 3-302 . Their silence is a commercial default. 

Potential Tax Fraud XXXX  XXXX has not issued any IRS Form 1099-C or 1099-A, which they are required to file if the account was discharged or abandoned. This leads me to suspect tax fraud or noncompliance with 26 U.S. Code 6050P. I plan to report this using IRS Form 3949-A and Form 1099-B if not resolved.

Inaccurate Accounting and GAAP Violations Reporting a {$1300.00} balance on a {$500.00} credit limit with no supporting documentation for interest, penalties, or fees violates GAAP. It a
lso raises the issue of potential double recovery or unjust enrichment if they already claimed the loss.

Intent to Report to Regulatory Agencies If this issue is not resolved immediately, I will file formal reports with the IRS, SEC, FTC, OCC, and other appropriate bodies using the following forms : IRS Form 3949-A ( Tax Fraud Referral ) IRS Form 1099-B ( for discharge/securities reporting ) IRS Form 4506-A and 4506-T ( for records and transcripts ) IRS Form 56-F ( Fiduciary Misconduct Notification ) I am requesting immediate removal of this account from all credit bureaus or, alternatively, full validation, reconciliation of accounting, and tax documentation confirming that this debt remains valid and collectible. The failure to respond truthfully will result in further legal escalation.

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