vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I am filing this complaint because after reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered numerous inconsistencies, conflicting dates, inaccurate personal information, unverifiable accounts, and unauthorized inquiries that all three bureaus have failed to correct despite my rights under FCRA 611, 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 605 ( a ). My reports show mismatched and duplicated addresses including 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, which do not accurately reflect my verified residence and appear to link to inaccurate accounts. Multiple accounts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show contradictory Dates of Last Activity and reporting dates across the three bureaus, which violates the mandate for maximum possible accuracy. Additional issues include XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing only in Experian and TransUnion but not Equifax, and XXXXXXXX XXXX XXXX reporting different activity dates across all bureaus, which may constitute misleading or incomplete reporting under FCRA and FDCPA requirements . Unauthorized or questionable inquiries such as XXXX, XXXX, and XXXX XXXX also appear on my reports without a permissible purpose under FCRA 604 ( a ). These numerous errors collectively indicate negligent investigation practices and a failure to maintain and report accurate, consistent, and verifiable consumer information as required by law, causing harm to my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because after reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered numerous inconsistencies, conflicting dates, inaccurate personal information, unverifiable accounts, and unauthorized inquiries that all three bureaus have failed to correct despite my rights under FCRA 611, 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 605 ( a ). My reports show mismatched and duplicated addresses including 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, which do not accurately reflect my verified residence and appear to link to inaccurate accounts. Multiple accounts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show contradictory Dates of Last Activity and reporting dates across the three bureaus, which violates the mandate for maximum possible accuracy. Additional issues include XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing only in Experian and TransUnion but not Equifax, and XXXXXXXX XXXX XXXX reporting different activity dates across all bureaus, which may constitute misleading or incomplete reporting under FCRA and FDCPA requirements . Unauthorized or questionable inquiries such as XXXX, XXXX, and XXXX XXXX also appear on my reports without a permissible purpose under FCRA 604 ( a ). These numerous errors collectively indicate negligent investigation practices and a failure to maintain and report accurate, consistent, and verifiable consumer information as required by law, causing harm to my credit standing and financial opportunities.

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 2025-12-03 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: GA

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused significant confusion and potential harm to my creditworthiness. My account with XXXX XXXX XXXX  ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported inconsistently : Experian lists a balance of {$25.00} with last activity on XX/XX/XXXX, Equifax lists the same balance with last activity XX/XX/XXXX, and TransUnion shows {$25.00} with last activity XX/XX/XXXX, creating contradictory information across all three bureaus. My XXXX  XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is similarly misreported, with Experian showing a balance of {$450.00} and last activity XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX. Additionally, my XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Equifax with a balance of {$1000.00} and last activity XX/XX/XXXX. These errors violate the Fair Credit Reporting Act ( FCRA 611, 623, 605 ), including my right to dispute inaccurate information, the furnishers duty to investigate and correct errors, and the requirement to remove obsolete or inconsistent information. Despite my efforts to contact the credit bureaus and provide supporting documentation, these discrepancies remain uncorrected, and I am seeking assistance to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding- over 20 calls all hours of the day over past 2 months. I was cursed out and told if I didnt pay these accounts they had. There are 4 accounts that I would lose my children, and be put in jail. Told me his name was XXXX XXXX, then halfway through conversation said his named was XXXX. 

I asked for proof of debt and they said it had been sent. I have still never received a thing. 


XXXX XXXX XXXX Threatened to repossess my car over a {$370.00} collections that I know is invalid. When I asked for a statement and explanation of charges and fees I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Company : LVNV Funding LLC What happened? 

My name is XXXX XXXX ( DOB XX/XX/XXXX, last 4 of SSN XXXX ). I am filing a complaint about LVNV Funding LLCs collection and reporting practices on a XXXX XXXX Bank account. 

Account details Collector : LVNV Funding LLC Original creditor : XXXX XXXX Bank XXXX. 
Balance reported : {$750.00} Date LVNV account opened : XX/XX/XXXX Status : Open derogatory collection with remarks Placed for collection and Account information disputed by consumer. 

I dispute elements of this collection and requested validation and documentation from LVNV. In addition, LVNV and/or its agents have called me before XXXX XXXX. and after XXXX XXXX, and continued to call after I told them not to contact me by phone and after I advised that I was addressing the matter with the original creditor. I view this as harassing and inconvenient calling behavior. 

LVNV continues to report this collection to the credit bureaus and continues contacting me despite my dispute and my request that they limit communication to mail only. I am trying to resolve my debts in good faith while dealing with ongoing financial hardship.

LVNV has not worked with me in a constructive way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following account appearing on my credit report. This is a Round 1 request for investigation under the Fair Credit Reporting Act ( FCRA ). 

Jefferson Capital Systems ( Collection ) Account Number : XXXX The information being reported for this account is inaccurate. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that all information reported is complete, accurate, and fully verifiable. I am requesting a full reinvestigation under 15 U.S.C. 1681i, and verification of all information furnished by Jefferson Capital Systems ( Collection ) Account Number : XXXX Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), furnishers of information are required to provide written notice to the consumer when negative information is being reported, including a clear statement that the information may be disputed. I did not receive the required notice regarding this account or the negative information being furnished.

If Jefferson Capital can not provide complete and verifiable documentation supporting the accuracy of this accountand evidence that proper notice was providedit must be corrected or deleted from my credit file as required by law. 

Please provide written confirmation of the results once your investigation is completed. 

Also, they are harassing me and trying to force me to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate late payments, unauthorized hard inquiries, and failing to properly display or investigate fraudulent accounts in violation of the FCRA. I am filing this complaint because Experian is reporting fraudulent accounts, late payments that are inaccurate, and unauthorized hard inquiries. Experian has failed to correct these issues after prior disputes. Experian is reporting a Possible Finance account that is : Fraudulent Unauthorized Never opened by me Reporting negative information that is harming my credit This account is a result of identity misuse. I did NOT apply for, authorize, or sign for any Possible Finance loan.This violates : 1681i failure to reinvestigate 1681s-2 ( a ) furnishers can not report info known to be inaccurate 1681e ( b ) must maintain maximum possible accuracy 1681n / 1681o liability for willful and negligent noncompliance FCRA 616 & 617 defamation for publishing false info I am requesting full deletion of this account. 
Experian is reporting late payments for : XXXX XXXX XXXX : {$290.00} ( closed ) the late payment reporting is inaccurate. The information Experian is publishing does not reflect the correct payment history and is harming my score. 

Under the FCRA, Experian must : Correct inaccurate payment reporting Delete any unverifiable or incorrect late-pay marks I am requesting that Experian remove the late payment history for XXXX XXXX . Experian is hiding or misreporting a fraudulent XXXX XXXX account : XXXX XXXX {$860.00} NOT authorized by me This account shows on XXXX  but not properly on Experian, even though it is : Fraudulent Under dispute Being called and collected on Not my account Experian is failing to maintain complete and accurate data under : 1681e ( b ) 1681i 1681c This account must be fully deleted. 

Experian is reporting three hard inquiries I did not authorize : 1. XXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX These were presented to me as pre-approvals, which should NOT have resulted in a hard inquiry. I never signed or consented to a hard pull. 

Under : 15 U.S.C. 1681b ( f ) no permissible purpose = must delete 604 consumer report may only be obtained with clear authorization I am requesting removal of all three unauthorized inquiries.

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 2025-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
traded in XXXX XXXX back to XXXX for XXXX XXXX both financed with Bridgecrest and because of a clerical error im still being harassed about car payments for the car they have in their possession and this deal was done on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Hard inquiry dated XX/XX/year> was placed without my written permission. No credit application was submitted by me. Remove this unauthorized inquiry from all bureaus and confirm by mail. The inquiry dated XX/XX/year> was done without consent and violates FCRA 604 ( a ) ( 2 ).

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am requesting JPMCB give me clarification of the information being reported. The reported balance is {$8300.00}, the past-due amount is {$8300.00}, and the last payment date shows XX/XX/XXXX. However, the payment history shows a sequence of OK payments, followed by XXXX, XXXX, XXXX, XXXX, and XXXX late marks, and then multiple years of monthly charge-off codes through XXXX, XXXX, XXXX, and XXXX even though the account is listed as closed. There is no clear charge-off date or charge-off amount provided, and it is not clear how the past-due amount or the reported balance was determined. I am requesting the full payment history, the correct charge-off date, the charge-off amount, and the breakdown of how the balance and past-due amount were calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: TX

Complaint narrative:
This happened for awhile now, I have money on Etoro. And they refusing to remove hold on my account. It had been 3 months now with no results, im starting to think this company is a scam. I regret doing business with them. 

I had submitted multiple requests, this is beyond ridiculous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

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


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXXXXXX 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