vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I am writing to formally request a review and update of my credit file. I have recently experienced significant financial and personal hardships that have affected my ability to make timely payments on certain accounts. These events include the loss of my job earlier this year and the unexpected passing of my father in XX/XX/year>. These hardships caused unavoidable delays in my payments, which I have since been actively working to resolve. 
I respectfully request : Removal or adjustment of recent late payment notations that were reported during this hardship period, as they do not accurately reflect my long-term credit behavior or intent to pay. I am currently in communication with my creditors to bring my accounts current and seek formal payment arrangements. 

Dispute and removal of all student loan accounts currently appearing on my credit report. These entries may be inaccurately reported or duplicated, and I am requesting a thorough verification of their accuracy under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation and documentation verifying the validity of these accounts. 

Under the FCRA, I have the right to dispute any information I believe to be incomplete or inaccurate, and I am requesting that you conduct an investigation into these matters. Please remove or correct any information that can not be verified or that has been incorrectly reported. 
I have attached a copy of my government-issued ID as proof of identity and address. 
Thank you for your time and attention to this matter. I deeply appreciate your understanding and consideration as I work to recover financially and restore my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I am writing to formally request a review and update of my credit file. I have recently experienced significant financial and personal hardships that have affected my ability to make timely payments on certain accounts. These events include the loss of my job earlier this year and the unexpected passing of my father in XX/XX/year>. These hardships caused unavoidable delays in my payments, which I have since been actively working to resolve. 
I respectfully request : Removal or adjustment of recent late payment notations that were reported during this hardship period, as they do not accurately reflect my long-term credit behavior or intent to pay. I am currently in communication with my creditors to bring my accounts current and seek formal payment arrangements. 

Dispute and removal of all student loan accounts currently appearing on my credit report. These entries may be inaccurately reported or duplicated, and I am requesting a thorough verification of their accuracy under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation and documentation verifying the validity of these accounts. 

Under the FCRA, I have the right to dispute any information I believe to be incomplete or inaccurate, and I am requesting that you conduct an investigation into these matters. Please remove or correct any information that can not be verified or that has been incorrectly reported. 
I have attached a copy of my government-issued ID as proof of identity and address. 
Thank you for your time and attention to this matter. I deeply appreciate your understanding and consideration as I work to recover financially and restore my credit standing.

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 2025-11-04 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: MD

Complaint narrative:
I advised the company to remove the alleged bankruptcy on my credit report based on Consumer Law 15 U.S. Code 1681 a ( 4 ). Based on my right to privacy being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was sent a targeted email for an amex savings account promotion stating I'd receive a {$400.00} bonus if I kept $ XXXX in the savings account for 60 days. I deposited {$25.00} in the account on XX/XX/XXXX and only withdrew the funds on XX/XX/XXXX, exceeding the threshold. I was told by the bank they wouldn't be depositing the bonus into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, AL, XXXX ( XXXX ) Date : XX/XX/year> To : LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC, XXXX Re : Dispute of XXXX  AccountAccount Number : XXXX Dear [ Creditor or Collection Agency Name ], I am writing to dispute the validity of the above-referenced account and to request that you cease all further communication with me regarding this matter, except as permitted by law. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which regulates communications from debt collectors.

Under 1692c ( c ), I am formally requesting that you cease all communication with me regarding this account unless it is to inform me that you are terminating collection efforts, or that you intend to take specific legal action. Furthermore, I do not acknowledge or accept liability for this debt.

In accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you : 1. Provide verification of the alleged debt, including a copy of any signed contract or agreement bearing my signature, and 2. Refrain from reporting or continue reporting inaccurate or unverified information to any credit reporting agencies while this dispute is under investigation.

If you have already reported this account to any credit bureau, you are required to inform them that this debt is disputed. Failure to comply with these federal laws may result in further action to protect my rights.

Please send all correspondence to my address listed above in writing only.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am submitting this complaint because Experian is reporting outdated personal information on my credit file. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, but my credit report continues to list the following outdated address : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XX/XX/year> ) This older address is no longer valid and should not appear as part of my current identifying information. I have lived exclusively at my current address for some time, and maintaining outdated or irrelevant personal data creates unnecessary confusion and risk, especially when linked to potential inaccuracies or misidentification of accounts. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain complete and accurate consumer file information and to promptly correct or delete any information that can not be verified. Continuing to report old or misleading personal information after being notified of the correction request violates the FCRAs accuracy and reinvestigation provisions.

This incorrect address not only misrepresents my current residency but also increases the likelihood of association with accounts or inquiries that do not belong to me. It is deeply concerning that Experian has not properly updated my file despite clear documentation and proof of my current residence.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint regarding inaccuracies and discrepancies found in my credit report across the three credit bureaus. Below are the details of the accounts I am disputing, broken down by bureau. 

Charged Off Accounts : XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$72000.00} XXXX XXXX Account Number XXXX XXXX ) - Date Open : XX/XX/XXXX, Balance : {$92000.00} XXXX  XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number XXXX XXXX ) - Date Open : XX/XX/XXXX, Balance : {$950.00} XXXX  XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXX XXXX - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$830.00} XXXX  ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX ( Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX Account Number : XXXX ) - Date Open : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX  ( Account Number : 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 2025-11-04 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:
These accounts were opened without my consent and are fraudulent. I request their removal from my record and a detailed inquiry. Documentation is attached.

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 2025-11-04 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: AZ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-04 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: LA

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

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following charged-off accounts that have been inaccurately reported to Experian. These accounts are listed below with their respective details : XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$470.00} ) XXXX  ( Account # XXXX, Opened XX/XX/XXXX, Balance {$1300.00} ) XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$430.00} ) XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$5500.00} ) XXXX XXXX CXXXX XXXX XXXX  Account # XXXX, Opened XX/XX/XXXX, Balance {$1800.00} ) XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$810.00} ) XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$510.00} ) XXXX XXXXXXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$780.00} ) XXXX XXXX  ( Account XXXX XXXX, Opened XX/XX/XXXX, Balance {$440.00} ) XXXX XXXX  ( Account # XXXX, Opened XX/XX/XXXX, Balance {$720.00} ) XXXX  XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$690.00} ) XXXX  XXXX  # XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$310.00} ) Additionally, I am disputing the following inquiries that were reported to Experian : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I dispute the following charged-off accounts, inquiries, and late payments reported on my TransUnion credit report. These items may contain errors or incomplete information, and I request that they be investigated for accuracy and corrected or removed if necessary. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$290.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX  XXXX, XXXX XXXX XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$910.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$800.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$640.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I tried to deposit a check via phone. It was my husbands and he signed off on it first. It was for around {$1800.00}. They are claiming the check could be fraudulent. The problem is, when they decided that, they reversed the payment. Now my account is showing a negative {$1400.00}. It would be the entire amount but I received a direct deposit from my job. The company ( Huntington Bank ) is denying us access to any of my uncontested direct deposit money. This is adversely causing me extreme undue harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be removed from my report.

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 2025-11-04 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: VA

Complaint narrative:
I am disputing a late payment reported by XXXX  XXXX. Under the Truth in Lending Act ( 15 U.S.C. 1637 ) and Regulation Z, creditors must send billing statements with finance charges, due dates, billing cycle details, and fees at least 21 days before the payment is due.

I never received this statement, and the creditor has not proven that it was sent or contained the required disclosures. Without this, the late payment is inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with non-monetary relief