vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
Reporting Summary : Original Balance : {$1600.00} Charged-Off Amount : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Experian / Equifax / TransUnion send individually ] [ Insert bureau mailing address ] Subject : LEGALLY BINDING DISPUTE Final 15-Day Notice for Deletion Account in Violation : XXXX XXXX XXXX ( XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and 15-day legally binding notice for the XXXX XXXX XXXX account currently being reported as a charge-off with an alleged balance of {$860.00} and a past due amount of {$460.00}.

Upon review, the account contains multiple legal violations and inaccurate reporting that require immediate deletion from my credit file. 



Violations : 1. FCRA 607 ( b ) Inaccurate & Misleading Reporting : The account is listed as charged off for {$860.00}, yet still shows a monthly past due status and the same {$860.00} balance, which is inconsistent, misleading, and double reporting a derogatory status. 
2. FCRA 611 ( a ) No Verification After Dispute : This account was previously disputed. More than 30 days have passed, and no proper validation has been provided. Under law, it must be deleted. 
3. IRS Violation Missing 1099-C : Since the amount was charged off, I should have received a Form 1099-C if the debt was forgiven. I have not received this, and the balance remains unvalidated.

Final Demand : I am requesting the following : Permanent deletion of the XXXX XXXX XXXX account from all credit bureaus Immediate cease of all past due and charge-off monthly updates Written confirmation of deletion within 15 days Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the IRS, along with potential legal action for willful FCRA noncompliance ( FCRA 616 & 617 ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Subject : URGENT REQUEST FOR INVESTIGATION - FRAUDULENT ACCOUNTS AND INQUIRIES UNDER FCRA To Whom It May Concern, I am writing to dispute multiple inaccurate and fraudulent items currently reporting on my TransUnion credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. Section 1681i ], which entitles me to request the deletion or correction of erroneous, fraudulent, or unverified information.

Please be advised that the following accounts and inquiries are the result of identity theft or inaccurate reporting. I have not authorized these accounts or applications and am requesting their immediate deletion : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX - Balance : {$3900.00} - Opened : XX/XX/XXXX - Status : Closed / Derogatory - Remarks : Dispute resolved, consumer disagrees XXXX. XXXX XXXX XXXX XXXX - Balance : {$620.00} - Opened : XX/XX/XXXX - Status : Closed / Derogatory - Remarks : Dispute resolved, consumer disagrees XXXX. XXXXXXXX XXXX - Balance : {$1100.00} - Opened : XX/XX/XXXX - Status : Closed / Derogatory - Remarks : Profit and loss write-off XXXX. XXXX XXXX Account - Balance : {$120000.00} - Opened : XX/XX/XXXX - Status : Open / In good standing - Dispute : I am disputing the reported late payments, which are inaccurate. I have made all payments on time. 
Disputed Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX These inquiries were not initiated by me and are completely unauthorized. I did not apply for credit with these institutions and request immediate removal under FCRA guidelines. 
Please conduct a thorough reinvestigation and permanently delete the above-mentioned inaccurate and fraudulent items from my credit file. I have included a copy of my government-issued ID and proof of address for your verification. 
Failure to comply with this request within the 30-day period mandated by the FCRA may result in further action, including complaints with the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX Enclosures : - Copy of ID - Proof of address - Copy of credit report with disputed items highlighted.

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 2025-07-25 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello my checking account at fifth third was charged an overdraft fee if XXXX bucks on a XXXX overage ( when I deposited i had XXXX XXXX positive balance the day before so unsure what happened. ). That is robbery of thr public.. Then secondly the next day my account was billed XXXX more dollars on the negative balance.. So an overdraft fee onto an overdraft fee! Wow. Thats ridiculous. I can attach screenshot from the app. 

This is absolutely ridiculous. The policy is not to fee on under XXXX bucks anyway. But wow this took the cake! Once this account issue is resolved and I am returned my money I will close my account. Longstanding account dont matter. Parents having accounts. Don't matter. 5 3 is out for money!! Ridiculous XXXX dollars on XXXX dollar negative. Terrible. Thanks for resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I have called multiple times, have filed multiple reports for studentaid.gov.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Ive disputed inaccurate and unverifiable information on my credit file related to a repossession account reported by Credit Acceptance. I have submitted four separate written disputes over the past several months to XXXX XXXX and XXXX requesting verification and documentation under the Fair Credit Reporting Act ( FCRA ).

Each dispute requested : The original signed contract Proof of repossession ( dates, amounts, chain of custody ) Permissible purpose to report Payment history Adverse action notices Investigation results Metro 2 compliance Method of verification used Despite this, the bureaus responded with vague updates or claimed the account was verified without providing any supporting documentation. XXXX  even stated they couldnt locate my dispute, though I have proof of submission.

Credit Acceptance has also repeatedly increased and decreased the balance reported, which further demonstrates the inaccuracy and unreliability of the reporting.

The account is now listed as closed but still showing a status of Repossession Current, which is misleading and damaging.

This reporting violates FCRA 602 ( a ), 607 ( b ), and 611 ( b ). The information is incomplete, misleading, unverifiable, and the continued reporting is causing harm to my creditworthiness

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 2025-07-25 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: VA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-07-25 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: VA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-07-25 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 am not responsible for the fraudulent accounts appearing on my credit profile. As provided by USC 1681g, I demand their removal within 15 days. Relevant evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I recently applied for an apartment at XXXX XXXX in XXXX XXXXXXXX XXXX. I received a notification from the management team regarding my status. This came with a copy of my consumer report sent from Experian ( Experian Information Solutions ) to the other consumer reporting agency - XXXX XXXX XXXX XXXX . I pulled my credit profile from Experian and it showed my current credit score number to be a " XXXX ''. on the consumer report pulled sent to me from XXXX XXXX, XXXX sent to them by Experian, My credit score number reflects as " XXXX ''. I have filed a CFPB complaint on XX/XX/year> regarding Experian 's inability to perform proper investigations and properly update my consumer report with maximum accuracy. In accordance to 15 U.S. Code 1681e ( B ) - Maximum accuracy, Experian MUST report the correct information to not only myself as the consumer, but to all agencies requesting my consumer report. As I stated in a previous complaint, Experian has been reporting a lower credit score and inaccurate information on my credit profile. This has caused a delay in pursuing opportunities that are beneficial to my livelihood as I've stated in the previous complaint.

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 2025-07-25 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 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 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 XXXXXX/XX/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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I received a letter dated XX/XX/year>, from Resurgence Legal Group , PC regarding an alleged debt originally owed to XXXX XXXX XXXX, now being collected on behalf of XXXX XXXX XXXX, with a balance of {$7100.00}. The letter is titled NOTICE OF INTENTION TO FILE LITIGATION AND INCUR COURT COSTS AND LEGAL FEES. It claims that if I do not resolve the matter, they will pursue litigation in the Superior Court of California, and that a judgment may include court costs and disbursements. The letter references California Code of Civil Procedure 1033 ( b ) ( 2 ). This communication appears to violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e ( 5 ), which prohibits a debt collector from threatening legal action that is not actually intended or authorized. If the collector had no real intent or authorization to sue me at the time the letter was sent, this is a false and misleading threat of legal action. In addition, the language in the letter could easily mislead the least sophisticated consumer into believing a lawsuit has already been filed or a judgment is imminent. This may also violate 1692e ( 10 ) for using deceptive collection practices.

This caused unnecessary confusion, intimidation, and emotional distress. If no real lawsuit was planned or authorized at the time of sending the letter, this communication was improper under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XXXX I paid the balance of XXXX, four days later I closed the account because they wanted XXXX to send paper bills. After the account was closed they charged XXXX. I never received a bill either paper or email. They said I was billed by email. 90 days later it showed up on my credit report as failure to pay XXXX. I called Comenity they said account was closed turned over to collections. Notified XXXX and paid XXXXXXXX XXXX XXXXXXXX on XXXX. 
Today on XXXX I received an email bill from Comenity for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding the XXXXXXXX XXXX XXXX account originally held in my name and currently misreported by XXXX  and mishandled by Portfolio Recovery Associates. 

This account was closed with a {$0.00} balance as of XX/XX/XXXX and subsequently sold to Portfolio Recovery Associates. Despite this, XXXX  continues to reflect nearly 20 consecutive months of charge-off status without updating ownership or removing derogatory codes post-sale. 

Most notably, XX/XX/XXXX is completely omitted from the payment history, disrupting the timeline and casting doubt on the accuracy of XXXXrecords. The charge-off pattern implies a first delinquency date of XX/XX/XXXX or later, which is incorrect. My records show the first delinquency occurred in XX/XX/XXXX. 

These discrepancies violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 623 ( a ) ( 5 ) : Failure by the furnisher to report the correct date of delinquency FCRA 1681e ( b ) : XXXX  failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Inadequate reinvestigation of previously disputed information Additionally, Portfolio Recovery Associates has failed to verify the debt with proper documentation and continues to report unverifiable data, violating provisions under the Fair Debt Collection Practices Act ( FDCPA ) These practices are not only misleadingthey are actively suppressing my credit score and delaying financial recovery. I request the CFPB take the following actions : Investigate XXXX XXXX XXXX and Portfolio Recovery Associates for improper reporting Require XXXX  to perform a complete reinvestigation and update the tradeline with accurate dates Ensure that the account, if unverifiable or improperly coded, is corrected or removed Mandate full documentation disclosure, including debt verification and chain of custody data I have attached documentation to support my claim, including prior disputes and tradeline screenshots showing the inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation