vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-08-06 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: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account being reported on my credit file by XXXX XXXX XXXX XXXX. The account in question is listed under my credit report with an ownership status of a " business " not an " individual ''. 
Upon review, I noticed that the account is being reported with monthly late payment notations even after it was placed in collection status. This reporting practice is inaccurate and misleading, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Grounds for Dispute : I have attached the judge order to dismiss the claims from XXXX XXXX XXXX XXXX and filed an identity theft report and can provide a police report and/or FTC Identity Theft Report request to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Georgia Student Finance Authority
State: TN

Complaint narrative:
I am disputing how a private student loan from the Georgia Student Finance Authority ( XXXX ) is being reported on my credit report. The loan originated in XXXX and entered delinquency several years ago. However, XXXX continues to report it as delinquent as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), negative information like late payments, defaults, and collections can only be reported for up to XXXX ( XXXX ) years from the original date of delinquency ( DOFD ). By continuing to report this account as delinquent beyond the 7-year limit, XXXX is violating the FCRAs rules and is illegally re-aging the account. 

I also enrolled in a loan rehabilitation program in XXXX and made several on-time payments. Despite my efforts, XXXX marked the rehab as unsuccessful without giving a clear explanation. The payments I made were not accurately reflected in the credit reporting, and the account status has remained negative, which is both inaccurate and unfair. 

I submitted a previous complaint, but XXXX did not provide the DOFD, a complete payment history, or documentation explaining why my XXXX failed. I have made multiple efforts to fix this, but the credit reporting remains unchanged.

Im asking for this account to be corrected or removed if it violates the 7-year reporting limit, and for the full payment and delinquency history to be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I am formally disputing inaccurate information on my credit report due to bank errors in billing and reporting. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and provide proper billing statements. However : Payments I made were not correctly recorded.

Reported amounts contain calculation errors.

I did not receive the required 21-day advance notice before payment was due.

These violations have resulted in unjust late marks on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/year>25 request a new XXXX  with XXXX  as the 20 year old one with them had a draw date of XX/XX/year>25 / what I assumed would be easy as I have excellent credit/ a history with XXXX/ 25 years with employer and over XXXX equity in my home. XXXX  appraised the home at XXXX but will not approve an additional XXXX for a XXXX/ My additional required information was insurance / w2 / stubs and XXXX  would fund an apprasial/ XX/XX/year>25 - two loan requests opened/ 2 appraisals completed/ now the rules have changed and I am expected to have the home inspected for minor damages. 



loan # XXXX loan # XXXX 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 explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX  Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
XXXX XXXX XXXX is reporting a {$7600.00} collection account on my Experian credit report for alleged final moveout charges tied to XXXX XXXX XXXX  ( XXXX XXXX XXXX ). This alleged debt is directly connected to XXXX XXXX XXXX XXXX XXXX. XXXX, which was dismissed in full on XX/XX/year> with no judgment, award, or legal finding that I owe any debt. 

I have never been provided with validation of this debt despite multiple written disputes to XXXX XXXX and Experian. I specifically requested : A signed lease agreement. 
An itemized ledger of all charges. 
Proof of lawful assignment from the landlord to XXXX XXXX. 
None of these documents have been provided. 

XXXX XXXX own response to my prior CFPB complaint ( attached ) admits this is not an eviction judgment and instead claims moveout charges are owed regardless of the outcome of any eviction court case. This is an incorrect statement of law and fact without a judgment or contractual proof, there is no verified debt. 

In addition, XXXX XXXX is violating FCRA 607 ( b ), 611, 623 by reporting inaccurate and unverifiable information, and FDCPA 807, 809 ( b ) by continuing to collect without providing required validation. The Experian tradeline contains XXXX XXXX compliance violations, including Invalid date fields, missing payment history data, and improper status coding. 

Despite the dismissal, lack of validation, and multiple disputes, XXXX XXXX continues to report this account as a valid, delinquent collection. This is causing me serious harm to my creditworthiness, ability to obtain housing, and overall financial standing.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The employer information on my TransUnion credit report is inaccurate. It currently shows an incorrect employer name and an address that is not associated with me. The correct employer should be XXXX XXXX XXXXXXXX XXXX. Additionally, the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not my address, nor have I ever lived or worked at that location. 

I discovered this error while reviewing my recent credit report. This incorrect information could negatively affect my credit report and personal records. I am requesting that TransUnion promptly update my credit file to reflect the correct employer name, XXXX XXXX XXXXXXXX XXXX, and remove the incorrect address XXXX XXXX XXXX, XXXX XXXX, CA XXXX from my report. 

Please confirm once these corrections have been made.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a follow up from a previous third party collector. 

Dear LVNV funding LLC, also doing business as Resurgent Capital Services. 

This is my final written request to provide the XXXX request for YOUR RIGHT TO CONTACT ME ABOUT THESE DEBT. 

I have received your letter and attached for your own review. There is no authority listing you, or your other third party to contact me.

You may not refuse to provide ANY AND ALL EVIDENCE TO ENSURE THAT YOU HAVE A VALID CLAIM.

You have repeated abusive tactics in collection of debt and history of violation of debt collection practices.

You MAY NOT call my phone anymore since your and your third parties are using multiple texts, robocalls and no responses multiple times a day.

You are also reporting and have been reporting this disputed information on multiple occasions.

I hereby demand the response I initially requested to your office, and your full report of investigation of how you 1. Identified my information. 2. Acquired this debt. 3. Written authority ie. Bill of sale, chain of title etc 4. Binding contract that make me indebted to you. 

XXXX XXXX and XXXX searches will not be accepted as verified and validated information. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
The following hard inquiries were noted on my report and not authorized by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The following hard inquiries were noted on my report and not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and my birthday is XXXX and my ssn is XXXX I need this account called version wireless to be review after investigation is completed or escalate to be further looked into because it should be removed and deleted off my credit report I been disputing it for months now and no luck it should be disputed for unauthorized account open without my permission in my name and theft of identity and account is closed and before it was reported on my credit report I didnt get a chance to dispute it with a debit collection it didnt go to a debit collection agency it was unfair report on my credit report without me having a chance to dispute it with the debit collection agency so please remove it off my credit report and delete it by request by law and by my rights because my rights was violated and look at the attachment below it will half help you to get it removed and deleted because it was deleted at equifax etc.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I lost my job and began experiencing financial hardship. I proactively contacted Chase credit card company before my first missed payment to request hardship assistance. They told me to not worry and call back when i miss the payment. I missed the payment and again as soon as the account became past due, I called them. They gave me the name of a Nonprofit, this nonprofit told me that they cant work with me without any income. I followed up with Chase, explained the situation and asked if they had any other options or the best way to not continue to miss payment. I even asked for my account to be closed. I was transferred three times and the call went nowhere. After these I called Chasetwo additional times over the past year. Despite these four separate attempts to seek support, and even trying to get ahead of the company refused to offer any assistance. Instead, they continued adding fees and interest, which now make up nearly half of my total balance. Their refusal to engage in good faith during a documented medical hardship is both predatory and unjust. I am requesting a full review of my account, removal of excessive fees, and access to a fair hardship or repayment program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Theres a lot of data in my Credit profile and Im gon na upload a XXXX XXXX with my dispute letter to you guys. I dont know if you need my credit report.

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 2025-08-06 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: AZ

Complaint narrative:
I am writing to dispute accounts that are being reported under my name without my knowledge or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading. 

This is a serious issue that misrepresents my financial history and violates my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation