vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: SC

Complaint narrative:
his letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/year>, I mailed Resurgent Capital Services a formal dispute letter regarding two alleged accounts. XXXX records confirm delivery on XX/XX/year>. 
My letter requested full validation under the FDCPA, including : The original signed contract with XXXX. 
A complete chain of title proving ownership of the debt. 
Itemized accounting of all charges, fees, and interest. 
A sworn affidavit from the original creditor, signed under penalty of perjury. 
Instead of providing real documentation, Resurgent mailed back self-generated account summaries and copies of promissory note pages. These documents were not from the original creditor and do not satisfy FDCPA requirements.

Violations : FDCPA 809 ( b ) Failure to Validate Debt Resurgent failed to produce the legally required documents from the original creditor and instead sent internally created paperwork.

FDCPA 807 Misrepresentation and Deceptive Practices By producing manufactured account summaries with my name inserted, Resurgent attempted to mislead me into believing this was valid proof of debt. These documents were clearly generated by Resurgent, not XXXX. 
FCRA 623 ( a ) ( 3 ) Failure to Report Dispute Despite my formal dispute, Resurgent/LVNV did not properly update the credit bureaus. Instead of noting account disputed by consumer, they only added the generic remark collection account. This is inaccurate, incomplete reporting and violates the FCRA.

FCRA 623 ( a ) ( 1 ) Furnishing False/Incomplete Information By failing to properly mark the accounts as disputed and continuing to furnish negative information, Resurgent is providing incomplete and misleading data to the credit bureaus.

Privacy & Data Integrity Concerns The so-called validation documents Resurgent produced appear to be templates with my personal information inserted. This raises serious concerns about how consumer data is being handled, whether these are even authentic creditor records, and whether Resurgent is generating cooked documents to simulate validation.

Requested Resolution : Require Resurgent/LVNV to either provide real validation from XXXX or delete the accounts entirely. 
Require Resurgent to immediately mark the accounts as disputed with all credit bureaus. 
Investigate Resurgents practice of sending internally created documents with consumer information inserted as validation. 
Impose regulatory action to prevent further FDCPA/FCRA violations and protect consumers from deceptive collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: MO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, after being incorrectly charged by a XXXX XXXX in XXXX, XXXX, I reached out to my bank ( Wells Fargo ). The taxi driver pressed XXXX XXXX instead of XXXX. The customer service representative did not indicate that I needed a receipt for a fraudulent charge to be properly investigated ( as newly determined by XXXX. ) I reached out to Wells Fargo Representatives a total of four times. I was not told that I needed a receipt for there to be an investigation I have done multiple credit card fraud claims with Wells Fargo. Upon asking a customer service representative to do an investigation because that's what I'm entitled to, I was told that my dispute was going to be closed. Upon the Executive claims department receiving my complaint about the mishandling of this case from representatives, I was denied again. No one from the bank tried to reach out to the cab service to determine anything about this case. I went on to inquire on my own and found a way to report the claim and recieve the refund on my own. After expressing my dissatisfaction with the handling of my claim and desire to find a new bank, multiple walls Fargo Representatives reached out to me advertising and marketing various types of service. I felt this was incredibly inappropriate as they did not attempt to advocate for my case in any way. They are only concerned about keeping people 's money.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
Asked for validation of debt and the original chain of assignment stating that the debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 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 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 2025-09-29 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: FL

Complaint narrative:
On XX/XX/year>2025, I sent a written dispute identifying the tradelines below and enclosed my identification and supporting exhibits. Instead, Equifax has continued to publish inaccurate or unverified data and did not provide a compliant method of verificationi.e., a description of the procedure used to determine accuracyafter completion of the reinvestigation, as required by 611 ( a ) ( 6 ) ( B ) ( iii ). Equifax also failed to clearly provide a full file disclosure of all information in my file upon request, contrary to 609 ( a ) ( 1 ).

Equifax failed to : 1.Correct or delete the items within 30 days as per 15 USC 1681s-2b .

2. Forward all of my dispute documents to the furnisher within 5 business days.

3. Report the correct Date of First Delinquency ( DOFD ). Some accounts are re-aged or missing the DOFD, which keeps old accounts on my report past the 7-year limit.

4. Provide me the method of verification ( how the accounts were verified ) after I asked for it.

Because of these failures, my report still shows inaccurate information. This has caused me Great harm in my ability to obtain credit on fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint summary : Capital One reported a 30-day late payment for XX/XX/2025 on my account ending in XXXX. This is inaccurate because I made my payment on time in XX/XX/2025 from my XXXX account. Capital One returned the payment internally, even though funds were available and debited. As a result, I was unfairly marked late, charged fees, and forced to make an additional payment the next month. 


Complaint details : On XX/XX/2025, I initiated a mobile ACH payment of {$69.00} from my XXXX account to my Capital One XXXX XXXX ( ending XXXX ). ( see attached XXXX Capital OneXXXX XXXX statement.pdf + XXXX XXXX XXXX  Statement - XXXX XXXX ) On XX/XX/2025, Capital One marked this as Returned Mobile ACH Payment XXXX. This return was initiated internally by Capital One, not by me or my bank. 
XXXX confirmed there were no returns on their side. Funds were sent out, but Capital One did not credit them. ( see attached [ XXXX ] XXXX XXXX XXXX ) Because of this, I had to make another payment of {$93.00} in XXXX to bring the account current. ( see attached XXXX Capital OneXXXX XXXX  statement.pdf ) Capital One still reported me as 30 days late, and also charged me a {$29.00} late fee plus {$3.00} in interest. ( see attached XXXX Capital OneXXXX XXXX  statement.pdf ) This means I was penalized three times : 1. Lost {$69.00} ( payment sent but not credited ).

2. Forced to pay {$93.00} in XXXX to catch up. 
XXXX. Charged {$29.00} late fee + {$3.00} interest unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-29 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I am disputing an improper medical debt collection by Frost-Arnett Company on behalf of XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. This procedure is fully covered under my XXXX XXXX XXXX XXXX ( XXXX ) plan in both the XXXX and XXXX plan years. 

The XXXX denial occurred solely because of provider billing and coding errors, not lack of coverage. XXXX XXXX and XXXX both confirmed this. On XX/XX/XXXX, XXXX XXXX assured me the account would be corrected and not sent to collections. 

Despite that, Frost-Arnett began collections and continues to attempt collection on a disputed and invalid debt. I sent two certified dispute letters on XX/XX/XXXX, disputing the debt and requesting validation under the FDCPA ( 15 U.S.C. 1692g ( b ) ). Frost-Arnett has failed to provide proper validation and instead sent another bill dated XX/XX/XXXX with added interest and an altered billing statement. 

Both XXXX XXXX and Frost-Arnett have failed to correct or validate the debt for nearly two years, in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding a fraudulent account listed on my credit file.

The following fraudulent account appears on my credit report : XXXX XXXX XXXXXXXX, Account No. XXXX, Date Opened XXXX2023 This account was created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of this account. This information does not belong to me and should not be associated with my credit profile.

Pursuant to FCRA 605B, I am requesting that this item be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the item must be blocked from my file within 4 business days of receipt of this notice and supporting documentation.

If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-09-29 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I had an investment account with Robinhood which I have used often with no issue. However, they restricted my account with no explanation. After submitting proper documentation for my account review, they decided to close my account furthermore with no explanation. While I have no interest in being a returning customer to use their services, I had {$1500.00} in uninvested cash deposited with the firm which they are holding hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have discovered multiple accounts being reported in my name that I did not open, authorize, or manage. I do not recognize the listed creditors and never gave permission for anyone to report these accounts under my identity. This inaccurate reporting misrepresents my financial history, has harmed my credit standing, and caused me significant concern and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account closed was reported, closed by bank and reported to XXXX  by customer Date Closed : 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