vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this statement to share my experience with LVNV Funding LLC, care of Resurgence Capital Services, and the major credit reporting agencies. I hope my story helps other consumers who may be facing similar difficulties with inaccurate credit reporting and the frustration of trying to correct it. 

For XXXX consecutive years, I discovered that LVNV Funding LLC was reporting an account on my credit report in the amount of {$730.00} with a false reporting date opened as XX/XX/XXXX. Additionally, LVNV Funding LLC, reported a second account in the amount of {$1700.00}, with a false open date of XX/XX/XXXX. I immediately disputed this information with all three major credit bureaus ( XXXX XXXX XXXX XXXX ), explaining that the account was inaccurate and did not belong to me. 

Despite following the correct dispute process under the Fair Credit Reporting Act ( FCRA ), the credit bureaus and LVNV Funding LLC have continued to report the same inaccurate information. Each time I disputed the account, I received a generic response stating that the debt had been verified, yet no proof or documentation supporting that verification was ever provided to me. 

This repeated failure to correct inaccurate reporting has caused me financial and XXXX  harm. Specifically, it has : Prevented me from obtaining extended credit opportunities, Hindered my ability to qualify for a home loan, and Made it difficult to purchase a vehicle due to the negative and false information on my credit file. 

The continued reporting of false information is not only a violation of 15 U.S.C. 1681g of the Fair Credit Reporting Act but also constitutes defamation of character. Consumers have the right to accurate information being furnished to credit agencies, and companies that report and verify false data must be held accountable. 

XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed request for contract with signatures XX/XX/XXXX Disputed requested proof of ownership Why Im Sharing My Story Im sharing my experience so others understand how difficult it can be to correct inaccurate information even when you follow the proper channels. Consumers trust credit reporting systems to be accurate and fair, but when companies repeatedly fail to investigate disputes properly, it undermines public confidence and harms innocent people. 

I hope this complaint encourages stronger enforcement of consumer protection laws and prompts change in how credit disputes are investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
On XX/XX/year>, I submitted a complete loan modification application after being advised by your loan specialist that a modification would lower my monthly payment. The application process was subsequently restarted in XX/XX/year>. At no time during the restart process was I properly notified of the restart, nor was I re-consulted regarding my preferences for handling my forbearance balance or other critical loan modification options. The loan modification that resulted has dramatically altered my loan terms : - Interest rate increased from 2.5 % to 6.2 % ( an increase of 3.7 percentage points ) - Monthly payment increased by approximately {$300.00} per month - This directly contradicts the original representation that the modification would lower my payment. 
The terms of modification have yet to be sent in writing, they were only verbally given over the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account was permanently closed when I unexpectedly received money in my wallet without prior notice. I still have a balance of {$800.00}. I need my account because it's my right to have one and I've been working on it for XXXX years. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Possible Financial Inc
State: TX

Complaint narrative:
I am filing this complaint against Possible Finance regarding the account POSSIBLEFINA XXXXXXXX XXXX, Date Opened : XX/XX/year>, High Balance : {$75.00}, reported as a charge-off. I have no knowledge, record, or agreement related to this alleged account. I never authorized or entered into any financial relationship with Possible Finance, and they have not provided any proof of ownership or documentation verifying this debt. 

This account appears to be fraudulent or inaccurately reported, and Possible Finance has failed to validate it in accordance with the Fair Credit Reporting Act ( FCRA ). Reporting false or unverified information violates 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ).

The presence of this false charge-off is damaging my credit profile and reputation. Despite disputes, no supporting documents have been provided confirming the legitimacy of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I called PayPal about a credit card they sent me in the mail that I did not consent to. For the past several years they have been trying to send me offers for a credit card and I've outright refused. 

Today I opened the mail to find a credit card in my name that I did not consent to, nor did I know it would be sent to my house. Because of my local post offices, mail goes missing all the time and this opened up my life to potential identity fraud I called PayPal about it and even spoke to a manager, and they told me that even though I didn't consent to this they could not revoke the mandatory upgrade because I didn't choose to opt out, something that was sent in an email months ago that I've only now seen today, and it doesn't even have a link to take me where it opts me out. It's an option deep in my privacy settings of all places where the checkmark to not consent to being forced a credit card. 

They told me that they couldn't cancel the card without canceling my account, and this feels like an aggressive sales tactic I have a credit account through them for online purchases only, I already have a credit card in my name. And even when I told them I'd be going to the FTC and here, they told me they couldn't help me

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 2025-11-07 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-07 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: VA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report.

The account ( s ) I disputed are : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Late payment ( s ) reported on XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # XXXX Late payment ( s ) reported on XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my personal and business accounts due to an automated risk model triggered by high utilization on one credit card. The accounts have never been late, and payments are made every month. I am requesting a manual review of the automated closure. Customer service is unable to connect me with the XXXX XXXX XXXX XXXX  XXXX team to reconsider the decision. I am asking that Capital One conduct a human review of my account standing and remove any internal blacklist preventing future banking relationships. This is the email they sent me. 

Your account ending in XXXX will close on XX/XX/year>, because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. ( When you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. ) Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Redirect any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/year>, if youd like. Otherwise, well close it and transfer your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, give us a call at XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 7 days a week. Well be happy to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

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 2025-11-07 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-07 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Balance {$4900.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance {$660.00} XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance {$12000.00} SBNA ( XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance {$2400.00} Dispute Summary : These accounts are being reported as charged off, but several of them are old, potentially past the FCRA reporting limit, or inconsistent across bureaus. Some balances appear inaccurate or unverifiable.

I am requesting that Equifax verify each account with the furnisher and provide documentation confirming ownership, balance accuracy, and the charge-off status. Any unverifiable or outdated accounts should be deleted. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX duplicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Summary : There appear to be multiple inquiries from the same companies on or near the same dates. I do not recall authorizing multiple pulls of my credit. 
I request verification that each inquiry was made with my written consent for a permissible purpose. If not, or if duplicates exist, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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