vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested an original signed contract and they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report that are affecting my credit standing. These items are either incorrectly reported or require further investigation under the Fair Credit Reporting Act ( FCRA ). I respectfully request that the following items be reviewed, corrected, or removed if they can not be verified. 

CHARGED OFF EXPERIAN XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} INQUIRIES EXPERIAN XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS EXPERIAN XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2025-12-09 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit file, which has damaged my credit score and restricted my ability to obtain credit and financial services. These errors are serious and violate my rights under the Fair Credit Reporting Act, including 15 USC 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. My full legal and accurate name is XXXX XXXX XXXX XXXX, and my only and accurate address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I am XXXXXXXX XXXX, and I am formally requesting that no incorrect name variations, addresses, or employer information be reported on my credit file. I did not authorize inaccurate personal information to be associated with my credit report, and its continued reporting is harming me financially. Remove the following addresses : XXXX XXXX XXXX XXXX XXXX, CT XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX. Also this listed employer XXXX XXXX for I am XXXX XXXX. These inaccuracies have already caused harm by limiting my access to credit and other financial opportunities. I am requesting immediate action to ensure that my credit file reflects only accurate and authorized personal information. I expect full compliance with the FCRA and prompt resolution of these issues without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Goal Structured Solutions, LLC
State: OH

Complaint narrative:
I am filing this complaint because the information being reported on my credit file for an education loan serviced by LaunchServicing is inaccurate, and the company failed to properly investigate the dispute I previously submitted. 

I disputed the late payment history because the dates and severity of the delinquencies are not accurate. The account is reporting multiple XXXX, XXXX, XXXX, and XXXX day late payments that do not match my actual payment history. The furnisher also added the remark dispute resolved reported by grantor, even though the errors were not corrected. 

After submitting my dispute through the credit bureaus, the furnisher verified the information without providing any explanation or documentation to support their reporting. Their response consisted of stating that they do not delete late payments as a policy, rather than addressing whether the information is accurate or providing proof of the reported delinquencies. This is not a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the company conduct a complete investigation, provide documentation supporting the specific dates and amounts of each late payment they claim, and correct or delete any information they can not substantiate. I am also requesting removal of the inaccurate derogatory marks and dispute remarks, as the prior investigation did not fix the errors and did not comply with FCRA requirements. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: ID

Complaint narrative:
I came across some hard inquiries on my credit report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AZ

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report that are affecting my credit standing. These items are either incorrectly reported or require further investigation under the Fair Credit Reporting Act ( FCRA ). I respectfully request that the following items be reviewed, corrected, or removed if they can not be verified. 

CHARGED OFF TRANSUNION XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES TRANSUNION XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS TRANSUNION XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I contacted them prior to XX/XX/XXXX by phone and they directed me to use their online portal. 

On XX/XX/XXXX I notified them via their online portal that I thought there had been an overage in the amount that was sent to them when the loan was refinanced to XXXX XXXX and noted that we had closed the loan on XX/XX/XXXX and had not received checks for the overage. 

On XX/XX/XXXX they ssaged tating that there ha been a payoff overage and that a refund in the amount of {$2200.00} whas issued on XX/XX/XXXX and sent by regular mail. 

On XX/XX/XXXX I messaged them back telling them that the refund check was never received and asked that they cancel the check and reissue it. 

On XX/XX/XXXX they messaged stating that XXXX checks, XXXX in the amount of {$1200.00} and XXXX in the amount of {$2200.00}, had stop payments placed on them and that once the stop payments were processed they would re-issue the checks. 

I messaged them on XX/XX/XXXX to state that I still had not recceived the checks, I asked that a stop payment be placecd again and about any alternate ways to receive these funds. 

On XX/XX/XXXX they messaged to say that the checks were re-issued on XX/XX/XXXX - that I should check the address ( this was unchanged due to it being a refi ) and that I could send them a voided check with no other information provided. 

On XX/XX/XXXX I messaged them regarding the address not having changed and asked for clarification in regard to the voided check- in particular where this could be sent. No reply. 

On XX/XX/XXXX I messaged them stating that I had not heard back regarding the prior ticket and that I needed to get the remaining funds in a way other than mailed checks as they had done this twice before and I had not received them and additionally that they had not given me instructions on how to receive these funds any other way. No reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I respectfully request that Equifax review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$340.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$540.00} XXXX, Account Number : XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$630.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : harged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance : {$2000.00} Inquiries : No inquiries listed for dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
The record currently presented contains incomplete information that inaccurately reflects my financial conduct. I request a formal examination of the issue and any corrections needed to ensure proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The following accounts are being disputed with Equifax ( XXXX ) due to inaccuracies in reporting and discrepancies in the account history. We request that Equifax promptly investigate these entries in compliance with the Fair Credit Reporting Act. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT EQ : The following late payments are being disputed with Equifax ( XXXX ). We request that these entries be reviewed for accuracy and that any discrepancies be corrected. 

XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts do not belong to me and must be taken down within 15 days pursuant to USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the week of XXXX XXXX I received a call from a Chase representative stating that there were some suspicious activity on the account I need for you to verify this is you? I told the representative that it was not me when he read off the charges so he told me to go inside the branch schedule an appointment with the branch or to close the old accounts open up the new ones. I scheduled an appointment with XXXX for the following Saturday at XXXX XXXX  but we end up happening is end up missing an appointment so I didnt get a chance to reschedule. They made a decision by XX/XX/XXXX or the XXXX on XXXX saying that they was gon na go ahead and close out the accounts and chose for me not to reopen with them and the representative that spoke to the branch or when we was explaining what occurred with my accounts, stated that the transactions were made remotely and it wasnt done by me, but what is being recorded through Chase in their system they stating that I made fraudulent transactions attempts on my accounts which I did not and I told the bank ) that I will send get a police report done at this point the banks didnt even want me to support. Even trying to proven because they already made their final decision. then the bank didnt even issue out my business checking account funds. I had to keep calling calling calling calling to get information about where it happened to my funds for my account and then I wan na sign the branch to find out what happened to the fund too and they stating that on their XXXX  didnt receive no information as far as if it was delivered or not and come to find out on XX/XX/2025 that my funds was delivered XX/XX/XXXX supposedly at my address and come to find out when I told the banker it was not delivered. So I had to give him a different address to send out the remaining check because I didnt receive the first one. This has been very hard for me because now they mark me as a fraudulent customer which I have proof showing that Im not and they dont want to resolve this issue because they made a final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WV

Complaint narrative:
On XX/XX/XXXX XXXX sent a debit validation letter have not received any response from them as of XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief