vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 explanation
Consumer complaint received 2025-12-02 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: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
am disputing the accuracy of the XXXXWSFS Bank account reporting on my credit file. The information being furnished is incomplete, inconsistent across all three credit bureaus, and does not match the documentation I received from WSFS Bank. 

I received a written notice from WSFS Bank stating that my loan was sold to XXXX XXXX, XXXX on XX/XX/XXXX, and that WSFS was no longer servicing the account. The letter also states that all future scheduled payments to WSFS were canceled and that I should contact XXXX  for any questions regarding the loan. This means WSFS/XXXX  should not have continued furnishing updates after the sale of the account unless the information was verified and accurate. 

However, the three credit bureaus are reporting conflicting information about this account : XXXX  shows the last update as XX/XX/XXXX with a charge-off XXXX  shows the last update as XX/XX/XXXX with a different charge-off status and a different closed date XXXX  shows the last update as XX/XX/XXXX with yet another derogatory status The dates, statuses, and reporting of the charge-off are inconsistent and do not match the timeline indicated in WSFS Banks own correspondence. Additionally, I was never provided validation, an itemized accounting, or paperwork that explains the reported balance or activity. The reporting is inaccurate, misleading, and inconsistent with the documentation I was given. 

This inaccurate reporting has caused credit denials, increased cost of credit, and difficulty securing housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX incorrectly claimed I owed money for unreturned equipment and sent my account to CBE Group for collections. I returned the modem in person at a XXXX store located near my former address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). The employee confirmed the return. 

I never received any bill, notice, or communication from XXXX afterward. CBE Group reported a collection to my credit report without providing any validation. 

My information : Name : XXXX XXXX Former Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX I am requesting : 1. Removal of the collection account from all credit bureaus.

2. Verification of the equipment return using Comcasts internal logs.

3. Correction of any inaccurate charges on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I communicated with Resurgent Capital Services ( Collection Agency ) several times via email, phone, and letter in response to their debt collection attempts for the following accounts : XXXX XXXX XXXX XXXX amount {$2000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} The debts referenced are not mine and are the direct result of documented identity theft and fraud. The debt is for known aliases associated with my SSN. I have already sent verification of this to Resurgent ( including police and FTC reports ), but I have not received an acceptable response from Resurgent. 
I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt in its entirety. This debt was fraudulently incurred without my knowledge, consent, or authorization, and Resurgent has done nothing to validate it, which would immediately show that it is not my debt and is under an alias. 
I demand Resurgent immediately : CEASE all collection activities on this account effective immediately REMOVE this fraudulent debt from their database. Remove my address and email from their database, and do not continue to contact me. 
PROVIDE written confirmation within XXXX days that : These debts have been invalidated, and I ( not any alias ) am not responsible. 
This fraudulent account will not be sold or transferred to any other collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I asked bank of america to reverse the off set fee that was taken out of my account, and they said, " they can not do that ''. I notified them ahead of time that I was not able to make the payment due to being out of work and involved in a lawsuit. 
Date:XXXX Amount : {$1300.00} I called to try to try and get it resolved, but It was not taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are profoundly affecting me, causing significant distress and ongoing negative impacts that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I met the threshold of times my payment was allowed to be returned. I had the funds in my account, the payment failed because of timing/bank withdrawal issues. My card was subsequently closed without my consent. The majority of my current balance is interest and fees, not the original amount. I am at this point drowning in late fees and interest charges even though I continue to make payments each month. I am requesting fee forgiveness or a fair repayment structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Lendbuzz Inc.
State: IA

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX in Florida. After only one week, the vehicle suddenly broke down on the road and became undrivable. I contacted the dealer immediately, but they stopped answering my calls and messages. The salesperson who made the deal contacted me from an unofficial phone number and promised they would fix the vehicle, but they never followed through. 

I reported the issue to my insurance and to local authorities, and I informed the bank that the vehicle was defective from the beginning. The dealer has not taken responsibility for the mechanical problem, has refused to communicate with me, and has not provided any solution. I am requesting assistance because I was sold a vehicle that failed after one week, and the dealer is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I filed a dispute for an unauthorized debit card transaction on XX/XX/XXXX at XXXX for {$1500.00}. I did not make this purchase, I was not at the location, and my account was compromised. U.S. Bank itself admitted that other transactions from the same period WERE fraudulent ( XXXX XXXX XXXX and XXXX XXXX XX/XX/29 ), so the bank already confirmed that my account was at risk. 

Despite this, they denied the XX/XX/XXXX dispute without providing any of the evidence required under XXXX XXXX They claimed the card was used in person, yet they provided NO transaction logs, NO chip authentication data, NO terminal ID records, NO PIN verification evidence, and NO location data. A bank can not deny a dispute by making unsupported claims. This is a violation of 12 CFR 1005.11.

U.S. Bank did not conduct a proper investigation and refused to reopen the case even after I requested a manual review. Their letters show they made a determination without supplying or reviewing the required evidence. This is inconsistent, unlawful, and contradicts their own recognition that fraud was occurring on my account.

Their failure to issue the provisional credit has caused me severe financial harm. Because the bank withheld the disputed funds, I have not been able to pay my housing penalty OR my rent. I am now facing the real possibility of being removed from my home. This housing crisis is a direct result of U.S. Banks refusal to follow Regulation E. 

I urgently request CFPB intervention due to the risk of eviction and the serious financial harm caused by U.S. Banks actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In early XX/XX/year>, I noticed a collection account reported inconsistently across the three credit bureaus. Two bureaus list the furnisher as National Credit Systems, while another lists XXXX XXXX, and the balance amounts are different on each report. I have no record of this debt, and the inconsistent reporting raised concerns about accuracy. 

Over the last two weeks, I contacted both companies multiple times reque

sting validation of the debt, including the original creditor, the correct balance, and proof that I am legally responsible. I also requested correction or deletion of any inaccurate information. I have not received any response from either company. Because the information being reported is inconsistent and the companies have not responded to my dispute or validation requests, I am asking for the account to be fully investigated and removed fro
m my credit reports if it can not be verified accurately.

Company response to consumer: Closed with explanation