vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: RI

Complaint narrative:
I am submitting this complaint about inaccurate and harmful credit reporting by XXXX XXXX XXXX on my Equifax credit report. 

The account was charged off, yet XXXX XXXX  continues to report monthly late payments after the charge-off date, which is false and violates the Fair Credit Reporting Act ( FCRA ). 

Additionally, the account status is incorrectly reported as open while the payment status is correctly reported as charged off. This conflicting information is misleading and damaging to my credit profile. 

I currently have an active reinvestigation dispute with Equifax, but while this dispute is pending, the account continues to show this contradictory and inaccurate information. 

I previously disputed this issue with both XXXX and Equifax directly, but instead of correcting the errors, XXXX XXXX only updated the account information, resulting in a XXXX drop in my Equifax credit score. 

This inaccurate reporting is causing significant harm to my creditworthiness and interfering with my ability to access fair financial products. 

I request a thorough investigation and correction of this account, including : Removal of all late payments reported after the charge-off date Correcting the account status to Closed or removing the account entirely Ensuring my credit report reflects accurate, consistent information as required by the FCRA I am prepared to provide documentation, including screenshots of the conflicting account information and my dispute history. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
Pertaining to the lockout my account was at {$580.00} from a direct deposit from XXXX when cash app locked my account they put my account in the negative and said the direct deposit was rejected it has been over XXXX hours it is XXXX  days actually they have not unlocked my account and will not answer my questions regarding my direct deposit they told me I can contact local law enforcement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The original date with the original creditor was XX/XX/year> and the amount was {$580.00} I have asked the creditor to provide me with the original documentation with my signature which they have yet to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
There are multiple student loans on my credit report, about {$8000.00}, which were not taken out by me. I notified the loan servicer to file a dispute and was instructed to file a police report, fill out the required documentation and return identifying documents to support my claim. I complied with all of the requests and they have not helped me either the situation. I reported this to them over 6 months ago. The loans are reporting negatively on my credit, dropping my scores by more than XXXX points. I need assistance with getting this identity theft problem resolved.

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 2025-07-20 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: IL

Complaint narrative:
There are multiple student loans on my credit report, about {$8000.00}, which were not taken out by me. I notified the loan servicer to file a dispute and was instructed to file a police report, fill out the required documentation and return identifying documents to support my claim. I complied with all of the requests and they have not helped me either the situation. I reported this to them over 6 months ago. The loans are reporting negatively on my credit, dropping my scores by more than XXXX points. I need assistance with getting this identity theft problem resolved.

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 2025-07-20 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: IL

Complaint narrative:
There are multiple student loans on my credit report, about {$8000.00}, which were not taken out by me. I notified the loan servicer to file a dispute and was instructed to file a police report, fill out the required documentation and return identifying documents to support my claim. I complied with all of the requests and they have not helped me either the situation. I reported this to them over 6 months ago. The loans are reporting negatively on my credit, dropping my scores by more than XXXX points. I need assistance with getting this identity theft problem resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Complaint Against XXXX  and XXXX XXXX XXXX Account in Dispute : Creditor : XXXX XXXX XXXX ( Collection agency for XXXX XXXX XXXX ) Reported Balance : {$180.00} Date Reported : XX/XX/year> Account Status : Open, Unpaid Summary of the Complaint : I am disputing a collection account reported by XXXX XXXX XXXX on my credit report through XXXX. Despite multiple disputes, XXXX  has failed to remove or block this inaccurate and unverifiable information as required by the Fair Credit Reporting Act ( FCRA ). 

I requested that XXXX  block this account from my credit file due to its inaccuracy and lack of proper verification. During this process, I was hung up on three separate times by XXXX  representatives, including a supervisor named XXXX, who stated that a block can not be placed on this creditor. 

This is a violation of my rights under the FCRA. XXXX  has failed to conduct a proper reinvestigation, has refused to block unverifiable information, and has demonstrated bad faith by abruptly ending phone calls when I sought resolution. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union have reclosed a account that was closed a year ago. This is illegal and should be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
After going over my credit report I came many accounts that does not belong to me. I asked for a contract and was not provided. I will provide the accounts information in the attachments.

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 2025-07-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-07-20 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: GA

Complaint narrative:
I have filed several disputes and it hasnt been fixed.

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 2025-07-20 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: MD

Complaint narrative:
I don't recognize this address on my credit report. Please remove. Thank you! 

XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2025-07-20 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: GA

Complaint narrative:
I have filed several disputes and it hasnt been fixed.

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 2025-07-20 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: GA

Complaint narrative:
I have filed several disputes and it hasnt been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
YOUR COMPLAINT The collection appeared on my credit report. I had no idea there were unpaid bills, and I never got a notice from the Medical company or the debt collector ; it just appeared on my credit report. Speaking with the collector, it was a medical emergency dated XX/XX/year>. I recalled giving my insurance information and believed all was taken care of. I did not notice until it appeared on my credit reports. My understanding a collection can be placed without prior notification, and medical collections can not be placed on a credit report. Also, I am disputing this information and would like to file a complaint and seek restitution against this collector for the damage done while processing an auto loan. I don't have a case number for this collector because I have not received anything from them. The company is Fairway Capital Recovery. XXXX XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Date : XX/XX/XXXX Sent via Certified Mail To : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Account Unknown Account Number Balance Reported : {$2200.00} Date Opened ( per credit report ) : XX/XX/XXXX Reported to Credit Bureaus : XX/XX/XXXX To Whom It May Concern : This letter is sent pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, in regard to a collection account that is being reported on my credit report under the name XXXX XXXX. 

I am formally disputing the validity of this account. I did * * not authorize or open * * this XXXX XXXX account, nor did I give permission for anyone to do so on my behalf. I was * * XXXX XXXX XXXX XXXX * * at the time this account was allegedly opened and therefore could not have opened, used, or accessed any XXXX XXXX XXXX. This account is fraudulent, and I demand immediate investigation and validation. 

Pursuant to * * 15 U.S.C. 1681i ( a ) * * and * * 1692g ( b ) * *, I demand the following : 1. Full validation and verification of this debt, including copies of all records, contracts, usage logs, or identification methods used to open this account.

2. Chain of title for any assignment, sale, or transfer of the alleged debt.

3. Proof that I incurred this obligation and that XXXX XXXX has the legal right to collect or report it. 

You are also required under * * FCRA 1681s-2 ( a ) ( 3 ) * * to report this account as * * disputed * * to any consumer reporting agency to which you furnish data. Failure to mark it as disputed, or to verify it, violates the law and exposes XXXX to liability under : - * * FCRA 1681n * * Willful noncompliance - * * FCRA 1681o * * Negligent noncompliance - * * FDCPA 1692k * * Civil liability for failure to validate and continued collection - * * FCRA 1681i ( d ) * * Failure to delete unverifiable information I am demanding : - Immediate * * cease and desist * * of all collection activities ; - Removal of this account from my credit reports with XXXX XXXX XXXX XXXX  ; - A written response within * * 30 days * * confirming the outcome of your investigation ; - Compensation for any harm to my credit standing or violations of my rights under federal law. 

Enclosed are my identification documents and documentation confirming my XXXX at the time this account was opened. If this account is not promptly removed, I will file formal complaints with the * * CFPB * *, * * FTC * *, and * * Georgia Attorney General * *, and may initiate legal proceedings. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I filed XXXX XXXX XXXX in XXXX of this year, I updated american credit acceptance of this and also gave them my attorney number and contact information. Unbeknownst to me or my attorney they continued to violate the automatic stay order and filed a complaint of replevin on XX/XX/year>. My XXXX was filed XX/XX/year>. This company has also locked me out of my online portal so i have no access to anything going on financially as i had prior to filing. Filing XXXX was the last resort and gave me the opportunity to get back to work so that i can continue XXXX XXXX and take care XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information Under 15 U.S. Code 6802 To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the unauthorized disclosure or handling of my nonpublic personal information by your institution, in potential violation of 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ).

Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing proper notice, an opportunity for the consumer to opt out, and adhering to strict security and confidentiality measures. I believe these requirements were not met in my case, as outlined below : * On XX/XX/XXXX I became aware that my information was shared with a third party illegally. 

I respectfully request that your office take the following actions : XXXX. Provide a full investigation into the matter and an explanation of how and why my information was disclosed. 
XXXX. Immediately cease any further unauthorized sharing of my personal information. 
XXXX. Provide documentation of any parties with whom my information was shared. 
XXXX. Rectify any harm or data breach that may have occurred, including notification to affected third parties, if required. 
XXXX. Confirm whether your current privacy practices and disclosures comply with XXXX requirements. 
Please consider this a formal complaint and request for resolution. If I do not receive a satisfactory response within XXXX days, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal remedies as allowed by law. 
Thank you for your immediate attention to this serious matter. I expect your prompt written response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The have my credit file is to short after I mailed them my credit history to many false trust factory on my enquiry

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The have my credit file is to short after I mailed them my credit history to many false trust factory on my enquiry

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 2025-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Monterey Financial Services is attempting to collect a debt for a XXXX XXXX ( XXXX ) program that is currently under investigation and lawsuit by the FTC and Utah XXXX XXXX XXXX XXXX for deceptive and unfair practices. I enrolled expecting job placement support, career training, and certification readiness, but these services were not properly delivered. 

After I learned about the lawsuit, I requested debt validation from Monterey. They responded that the account is disputed, but they are still trying to collect. This debt is invalid based on the wrongdoing by XXXX XXXX, and under the FTC Holder Rule, I have the right to assert these same claims and defenses against Monterey.

I should not be held responsible for a debt tied to a company being sued for misleading and exploiting students. I am requesting that Monterey cancel this debt and stop reporting it to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, [ XXXX XXXX XXXX ] is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for [ XXXX XXXX XXXX ] 's failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA

Company response to consumer: Closed with explanation