vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are inaccuracies on my report with accounts and personal information

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are inaccuracies on my report with accounts and personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is reporting a collection account for XXXXXXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX  ) on my XXXX  credit report. This account was charged off and allegedly sold, but no proper validation was ever sent to me as required under the FDCPA ( 15 USC 1692g ).

Under the FCRA 609 ( a ) and 611, I have a right to accurate, verifiable, and complete information. This tradeline contains inconsistent data, lacks proof of contractual agreement, and does not comply with XXXX XXXX reporting standards. 
Additionally, the original creditor ( XXXX  ) has already charged this account off. Jefferson is now duplicating derogatory reporting, which is misleading and prejudicial to my credit. This account is unverifiable, outdated, and must be deleted.

I request that the CFPB instruct Jefferson Capital and XXXX  to permanently delete this collection from my credit report. This item is causing harm and is reported without substantiated legal grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my accounts has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my accounts report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified accounts below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my accounts has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my account report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified accounts below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX Balance {$64000.00}

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 explanation
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit reports from both TransUnion and Equifax reflect inquiries that I did not authorize. I require the removal of these hard inquiries, as I have no knowledge of their origin. 
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 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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

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 2025-07-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This letter serves as my final notice regarding Experians persistent failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the unverified inquiries on my credit report disputed in my XX/XX/XXXX letter. 
Despite my clear demand for investigation and removal, the unauthorized and unverified inquiries remain, and I have received no evidence of permissible purpose or any reinvestigation results as required under FCRA 611 ( a ) and FCRA 604 ( a ) ( 3 ). Experian has a documented history of litigation for similar violationsfailing to reinvestigate, failing to verify permissible purposes, and continuing to report unverified inquiries without justification. Your company has previously been sued and held liable for these exact same missteps, yet you repeat them, inflicting repeated harm on consumers like myself.

Summary of Outstanding Violations : - Failure to investigate disputed inquiries within the 30-day timeframe mandated by FCRA 611 ( a ).

- Failure to provide documentation verifying permissible purposes under FCRA 604 ( a ) ( 3 ).

- Continued publication of unverified and unauthorized inquiries, damaging my creditworthiness. 

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

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am a customer of Frost Bank.

I have two accounts.

The second account maintains a higher balance.

I have email notifications set up for all transactions including transfers.

I have email confirmations for the transfers I have made from the second account.

There are transfers from my second account that I did not make. I do not have email confirmations for those transfers either.

I called the bank to ask who made these transfers because someone is stealing from me.

The banks response was the transfers were made online because they could see my IP address and the device the transfers were made from and the reason I did not receive an email confirmation was due to a " glitch '' in their system. 
On XX/XX/year>, {$1600.00} d

ollars was withdrawn from the same account at a local branch but I was not the person that made the withdrawal. This bank is allowing someone to steal from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Issue : Inaccurate Reporting, Failure to Investigate Disputes, Violation of Tax and Consumer Protection Laws Complaint : I am filing this complaint to address several issues with TransUnion, regarding inaccuracies on my credit report and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other laws. Open account XX/XX/XXXXXXXX XXXXXXXX is the original owner of the credit card and amount {$470.00}. LVNV Marketing does not have my consent to report any of my credit information to any bureau see is below : 1. Inaccurate Reporting by LNVN MARKETING : Under 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), consumer reports should not include information solely about transactions or experiences, such as payment history or charge-off status, between the consumer ( myself ) and the entities LVNV MARKETING providing the report.

Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am exercising my right to revoke any and all authorization, whether written, verbal, or otherwise, that I may have previously given to LVNV MARKETING.

Additionally, under 15 USC 6802, I am opting out of any further authorization for your institution to disclose my information. As outlined in 15 U.S. Code 1681s-2
( a ) ( 1 ) ( B ) ( ii ), once a consumer notifies an entity of inaccuracies in the information being reported, they are prohibited from continuing to furnish such information to any consumer reporting agency. LVNV MARKETING are in clear violation of this provision and are required to rectify this situation immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-07 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> Account name : Source Recvd Account # : XXXXXXXX XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed below entirely under 15 USC 1692g. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. The Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this alleged debt : Account name : Source Recvd Account # : XXXXXXXX XXXX XXXX XXXX XXXX I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX XXXX XXXX XXXX XXXXXXXX. You must Cease Collection efforts this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I disputed a {$5500.00} collection account from National Credit Systems on my XXXX  credit report ( Account # XXXX XXXX XXXX  marked the item as verified, but I never received actual documentation validating the debt. 

I requested that the collector provide a copy of the original signed lease, a full breakdown of charges, and proof that they have the legal right to collect this debt. InsteadXXXX XXXX confirmed the account based only on the collectors word, without proper investigation. 

This item is negatively impacting my credit and remains unresolved despite a formal dispute. I am requesting your help to investigate and correct this issue.

Company response to consumer: Closed with explanation