vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CIG FINANCIAL * * Regarding : * * CIG FINANCIAL, Account no : XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way CIG FINANCIAL is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by CIG FINANCIAL - The account reported positively for a period of time. 

- After I became delinquent, CIG FINANCIAL charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I dispute the LVNV Funding collection account XXXX XXXXXXXX. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$6300.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding inaccurate reporting of my auto loan account XXXX. XXXX is furnishing conflicting balances and delinquency dates across the credit reporting bureaus, which is a direct violation of FCRA XXXX ( b ) requiring furnishers to provide maximum possible accuracy of information. 
These discrepancies across credit bureaus create confusion, misrepresent my credit history, and negatively impact my credit standing. Inconsistent reporting is itself evidence of inaccuracy under the Fair Credit Reporting Act. 
Furthermore, each time I submit a dispute directly with the credit bureaus, they deny my dispute as " duplicative '' without conducting a reasonable investigation. This practice violates FCRA 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed information unless they have determined the dispute is frivolous or irrelevant. Simply dismissing disputes as duplicative without proper investigation is unlawful. 
In addition, when XXXX or the credit bureaus do provide responses to my disputes, the information furnished is inaccurate and inconsistent. Providing incorrect documentation or unverifiable data does not meet the standard of accuracy required under the FCRA. These inaccuracies should not continue to remain on my account, especially since they are severely harming my XXXX XXXX and financial reputation. 
It is also important to note that this XXXX account is only reporting on my TransUnion and Experian credit reports. My Equifax credit report accurately does not list this account at all, which highlights the inconsistency and unreliability of the reporting by XXXX and the other XXXX bureaus. This difference alone demonstrates conflicting and inaccurate data, which under the FCRA must be corrected or deleted. 
Under FCRA 611 ( a ), I formally request that XXXX provide verification of this account, including : The signed original retail installment sales contract and loan agreement, A complete payment history from account inception to present, Correct and consistent status coding across all credit bureaus. 
If XXXX can not provide the required documentation to verify the accuracy of this account, then pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), the inaccurate and conflicting entries must be deleted from all consumer reporting agencies.

This inaccurate reporting, combined with the credit bureaus ' refusal to properly investigate my disputes, has harmed my credit score and my ability to obtain fair credit. I request immediate investigation, correction, and confirmation of actions taken to resolve this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Received a letter instructing me to call XXXX to verify more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
I am filing a complaint against Security Finance in XXXX XXXX, Utah regarding unlawful debt collection practices on my account ( # ending in XXXX ). 
Security Finance representatives contacted my mother-in-law about this account, even though she is not a co-signer, guarantor, reference, or associated with it in any way. This is a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( b ) ), which prohibits debt collectors from disclosing account information to third parties.

I am requesting that Security Finance be required to : Cease all collection activity on this account.

Remove all negative reporting related to this account from my credit reports.

Be investigated and penalized for this violation.

I am reserving my right to pursue legal action if this is not resolved. 
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ID XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app stole my money from the bitcoins I had. They sold two of them before they matured entirely .. sold them for {$64000.00} a piece. Now theyr are worth {$110000.00} a piece. So I lost all of my investment... The third bit coin idk what happened to it. It disappeared. They still haven't compensated for my {$3000.00} they stole back in XXXX of XXXX... Wat is wrong with them.? I've lost everything because of these crooks XXXX they don't ever get into trouble .. wats up with that?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have identified information on my credit file that are a result of identity theft this account does not belong to me ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
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.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax regarding their failure to properly investigate and correct inaccuracies in my credit report. 

On XX/XX/XXXX, I submitted disputes to Equifax regarding two charged-off accounts : XXXX XXXX XXXX Acct. # XXXX ) Equifax reports : Date opened XX/XX/XXXX, last payment XX/XX/XXXX. 

Experian reports : Date opened XX/XX/XXXX, last payment XX/XX/XXXX. 

These discrepancies directly violate FCRA 1681e ( b ) ( reasonable procedures to assure maximum accuracy ) and Metro 2 reporting standards, which require uniform reporting of account opening and payment dates across bureaus. 

XXXX ( Acct. # XXXX ) Equifax reports : Open date XX/XX/XXXX, first delinquency XX/XX/XXXX. 

Experian reports : Open date XX/XX/XXXX, first delinquency XX/XX/XXXX Experian results ( XX/XX/XXXX ) : Account was DELETED as unverifiable. 

If Experian deleted the account after reinvestigation, how did Equifax verify the same account as accurate? This is contradictory and suggests no meaningful investigation was conducted. 

On XX/XX/XXXX, Equifax closed my disputes stating : The creditor or agency has verified the information as correct. However, no explanation of the method of verification was provided. This fails to meet the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FACTA 312 ( b ) - ( c ), which give me the right to a description of the procedure used to verify disputed information.

Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not provide inaccurate information, and under FCRA 623 ( a ) ( 2 ), they must correct and update information when inconsistencies are discovered. By allowing conflicting data to remain, Equifax is complicit in publishing misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-18 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: TN

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 non-monetary relief
Consumer complaint received 2025-09-18 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 account was previously disputed and removed from my credit report. However, it has now been reinserted without proper notice to me, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and I do not give any permission nor do I know anything about the accounts in question. Please kindly remove. 

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 non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
This account was previously disputed and removed from my credit report. However, it has now been reinserted without proper notice to me, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and I do not give any permission nor do I know anything about the accounts in question. Please kindly remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have an auto loan through capital one auto loans. I've had a lot of financial difficulties in the past year and they haven't really worked much with me. A few months ago I was no longer able to make payments and for the last month they have been harassing me sometimes multiple times a day with phone calls and text messages. Most of the time when I answer they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: OK

Complaint narrative:
Dispute duplicate XXXXXXXX XXXX credit card showing up twice on my credit report which has resulted in my credit report showing I owe dupicate the balance which has directly impacted my ability to refinance my car at a lower interest rate and get the best possible rate to mortgage a home for my family. I have called and disputed online and have had them agree that they see that the same amount is owed and that obviously something is incorrect but they refuse to delete. This shows that I owe over {$8600.00} more to credit cards than I actually owe which impacts my amount of debt.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation