vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-15 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: MD

Complaint narrative:
Re : FCRA/Reg V Dispute Demand for Independent Reinvestigation and Documentary Verification Equifax is reporting inaccurate and contradictory information. Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) and Reg V 1022.42, you must assure maximum possible accuracy and conduct an independent reinvestigation. See XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. Codes are not proof. Apply CCC XB. 
A. XXXX Acct ending XXXXXXXX XXXX XXXX ( XXXX ) Defects : XXXX shows Open / Derogatory Late 30 Days Balance {$870.00} Past Due {$48.00} while TransUnion and Experian both show Closed/Paid {$0.00} as of XX/XX/XXXX. XXXX internal fields also conflict ( late vs. history ). All late months disputed : Any months you coded late on this tradeline are disputed. 
XXXX XXXX fields to correct : Account Status ( Closed/Paid {$0.00} ), Current Balance {$0.00}, Amount Past Due {$0.00}, Date Closed XX/XX/XXXX, PHP/Payment Rating XXXX Date of Account Information, CCC. 
What you must send : Running statements/ledger for each alleged late month ( due date, receipt, posting ). If not verified to the ledger standard, delete the derogatory data or the entire tradeline. 
B. XXXX XXXX Duplicate/Fragmented reporting Acct ending XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Defect : XXXX shows XXXX versions ( XXXX  XXXX and XXXX XXXX ) with the same masked account number and conflicting attributes ( XXXX shows Open/Current {$510.00}, another Paid/Open/Current {$0.00} ). That is duplicate/fragmented reporting. All late months disputed : Any late months tied to either instance ( including the 7-year summary 30 : 1 ) are disputed. 
XXXX XXXX corrections : Merge/purge duplicates ; retain one accurate file with normalized Account Number, corrected Account Status/Balance, aligned PHP/Payment Rating, Date of Account Information, CCC. 
What you must send : Running statements/ledger for any alleged late you attribute to this account. If you can not reconcile, delete the inaccurate entry/entries. 
XXXX XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) ( XXXX  ) Defect : XXXX  late months do not match XXXX. 
XXXX late months ( each disputed ) : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XXXX XXXX ( XXXX ). 
XXXX XXXX fields to correct : XXXX Rating, Amount Past Due ( must be {$0.00} when current ), Date of Account Information, CCC. 
What you must send : Running statements/ledger for each month above ( due date, receipt, posting ). If not verified, delete the late data or the tradeline. 
XXXX XXXX / XXXX ( XXXX ) Status : XXXX shows XXXX XX/XX/XXXX and XXXX XX/XX/XXXX late indicators within the timeline. Both months are disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: LA

Complaint narrative:
( This is an update to previous complaint ) On XX/XX/XXXX, my XXXX Credit card was closed because of suspicious activity. I provided them the necessary documentation, license, copy of me with license, and bank statement. addresses on this documentation matched my address on file for my credit card. They closed my account and sent this to the Account Review Team where it has been 15 days and no response. I have not been able to log into my account. Did not know my balance. Did not know how much my security deposit was. Did not know when my security deposit nor how much would be returned to me. I talked with XXXX and he said there is no stated time in rules that they have to return this to me. He said my documentation did not abide by Federal Regulatory Obligations. He did not provide a specific time frame of when my security deposit would be returned to me, I asked is it six months or three weeks. He said he doesn't know. He said the Accounts Review Team has lots of requests. I said it has been 15 days. I kept asking what did not meet Federal Regulatory obligations for my submitted materials that enabled them to close down my account after five years. That was their determination. In the meantime, they are holding my money. I have not received any more information, no letter. I have asked for what obligations my information did not meet and i asked them to send a letter to me. I want to understand why they can close down a consumer 's account for no reason at all and ruin a person 's credit and block them from their account. This is a scam. XXXX also stated at one point during call I did not submit these, when in a phone call 15 days previous he said he did receive all my documentation, and it was being sent to the Escalation department for suspicious activity. I provided all the documentation they needed and they closed down an account of good standing of five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WA

Complaint narrative:
I was charged a {$200.00} utility debt that I should not be liable for. I was charged for a utility in Indiana when I have lived in Washington State for almost 10 years. My name was being used without my knowledge. I also was not informed of the debt before it went to collections. If I had been informed, I would have just paid it to get rid of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing accounts that have been fraudulently added to my credit report. I did not authorize or participate in the creation of these accounts, and their reporting is false and damaging. The continued presence of these accounts misrepresents my financial history and adversely impacts my credit profile.

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 2025-09-15 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute of fraudulent accounts currently listed on my credit report. I have no association with these accounts, did not authorize them, and their reporting is false. Their inclusion misrepresents my financial history, unjustly damages my credit profile, and undermines the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I was inform that my personal information was compromised in a XXXX  and XXXX  data breach and I notice i have some unfamiliar accounts on my credit profile. Also according to section 605b, it is ilegal to report any personal information on my credit profile without 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 2025-09-15 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: VA

Complaint narrative:
XXXX XXXX XXXX AND LVNVFUNDGis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND LVNVFUNDG is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 explanation
Consumer complaint received 2025-09-15 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-15 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP
State: NJ

Complaint narrative:
Associated Bank claims to have not received my XXXX payment of {$340.00}. My bank confirmed the payment was sent on XX/XX/XXXX, that it was sent to the correct address, and that it has not been returned. Those funds have already been deducted from my account yet Associated Bank insists I didn't pay and they have been harassing me to make the " missed '' payment again with a late fee. I have called them twice about this and been assured both times by their representatives that the late fee would be removed yet it is still showing up on my account. The first time I called they said they would have the mail room investigate the payment and asked for the check number which I provided but when I called back to check the status they said they couldn't investigate it. 

This is not the first time Associated Bank has pulled this stunt and I have filed complaints previously for the same issue ( see complaint XXXX ). They frequently return payments to my bank marked " address unknown, '' usually months after the payment was sent. This suggests that the payments are sitting in their mail room unopened before being returned, which is probably to cover up the mistake. On previous occasions Associated Bank 's representatives have stated it is impossible for a payment to be marked " address unknown '' because they go to a lockbox that is never touched by a human being. That, of course, is simply nonsense, especially since other representatives have stated that mailed payments are handled by their mail room staff. 

All my payments are sent from my bank on the XXXX of the month ( or prior business day when necessary ) and are delivered within XXXX business days. I've confirmed with my bank on multiple occasions that the payments are being sent on time and to the correct address. Additionally, I've been sending payments via my bank to multiple payees for over 20 years and this has never happened with any other payee. The fact that it has now become a regular occurrence with Associated Bank and ONLY with Associated Bank further demonstrates that the fault lies entirely with Associated Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am formally contesting entries tied to unauthorized accounts on my credit report. Kindly perform an exhaustive examination and delete them. Supporting records are enclosed.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my third attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within XXXX business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm me.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/year>, I used my credit card to send a XXXX XXXX payment to a mechanic. I used a longstanding credit card with a smaller balance that I do not use often, as its for emergencies ( such as car breaking down what happened here ). The charge was {$920.00}. US Bank declined the payment as suspected fraud and sent me an alert via text. I called US Bank XXXX department and confirmed it was me, then they unlocked the card and allowed me to re-submit the payment. 

On XX/XX/year>, I tried to send the second half of the payment to my mechanic via XXXX XXXX. Again, the charge was {$920.00}. US Bank declined the charge but did not send me any fraud alerts. I checked my account and saw no issues, so tried the payment again. Again, US Bank declined the payment with no alert to me. I received no text message, email, or call from US Bank about potential fraud to verify the payment. I stopped trying to use the card. 

On XX/XX/year>, I noticed that all three ( XXXX ) of my US Bank credit cards showed {$0.00} credit limit. When using the US Bank smart assistant on the app, I was informed that my accounts were closed. 

On XX/XX/year>, I called US Bank card member services. They verified that my accounts were closed but could not give me a reason. Later on XX/XX/year>, I received XXXX ( XXXX ) letters from US Bank, XXXX for each credit card account, informing me that all of my credit card accounts were closed due to potential fraud. The letters contained XXXX XXXX to appeal or request further information. 

XXXX of my credit card accounts were closed, each with a balance and rewards. I can only guess that they were closed due to XXXX attempted XXXX XXXX  payment that I had already previously verified with them. The letters contained XXXX information about what the suspected fraud was, so I can only guess it was this payment. My other XXXX cards have been used only for balance transfers. I received no communication from US Bank about potential fraud or a way to verify that the payment, which I had already verified with them once before, was legitimate. I was given XXXX XXXX to confirm that the use of my card was legitimate. I have now lost XXXX credit card lines, XXXX with a credit limit of {$17000.00}, which will wreck my XXXX XXXX, due to lack of communication and unfair practices by US Bank.

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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is to formally challenge the fraudulent accounts reported on my credit profile. These accounts are not mine and were never authorized or initiated by me. Their presence is misleading, inaccurate, and causes unjust harm to my creditworthiness. No creditor should report accounts that are unrelated to my financial history, and I will not accept the continued display of this damaging misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: PA

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 may 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within XXXX days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

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 ) XXXX States : no consumer reporting agency XXXX 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 XXXX 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