vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
I am writing to formally dispute the accuracy and legitimacy of certain information on my TransUnion credit report, dated XX/XX/XXXX. This includes : 1. Unauthorized hard inquiries listed from multiple financial institutions on XX/XX/XXXX, and other dates. 
XXXX. A collection entry by XXXX XXXX and XXXX, opened on XX/XX/XXXX, with a balance of {$670.00}, which I do not recognize nor have any prior knowledge or agreement with. 


Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b ( c ), hard inquiries must be made only with my express written authorization or for a permissible purpose. I have not applied for credit or authorized the inquiries listed below, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-26 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX, we took out a {$15000.00} personal loan through XXXX XXXX XXXX XXXX. The promissory note was signed on XX/XX/XXXX, with the first payment due on XX/XX/XXXX. We defaulted on the loan in XXXX or XX/XX/XXXX. No payments have been made on the loan since that time. 

In XXXX, the debt was purchased by IVNV Funding, LLC, who began reporting the debt to the credit bureaus with a new date opened listed as XXXX the date they acquired the account. This inaccurately reflects the age of the debt and re-ages the tradeline, making it appear newer than it is. 

Under the Fair Credit Reporting Act ( FCRA ), debts may only be reported for 7 years from the date of first delinquency, which in this case is XX/XX/XXXX. The reporting period should end in XX/XX/XXXX, but IVNV Fundings misreporting may extend the time it appears on my credit. 

Additionally, I reside in Texas, where the statute of limitations on credit card and personal loan debt is 4 years. As of XX/XX/XXXX, this debt became time-barred for legal collection through the courts. 

I have disputed the incorrect reporting with the credit bureaus and requested correction or deletion. However, as of the time of this complaint, the inaccurate date opened remains on my report. 

I am requesting that IVNV Funding and the credit bureaus be required to : Correct the account information to reflect the original date of delinquency ( XX/XX/XXXXXXXX  ) Remove any re-aged tradelines Cease any collection efforts that misrepresent the debt as enforceable Supporting documentation includes the original signed loan agreement from XXXX, which confirms the origination and payment terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft and mail fraud involving my California EDD Pandemic Unemployment Assistance ( PUA ) benefits, which were issued through a Bank of America EDD prepaid debit card. I never received, activated, or used the debit card because it was mailed to the wrong address.

A fraudster intercepted the card and used my stolen personal credentials to activate it. I never accessed the BofA EDD portal because it had already been hijacked before I even knew a card was issued in my name. I received no statements, alerts, or account communications. I had no idea my benefits were issued or stolen.

My personal information may have been exposed through EDDs unsecured mailings ( which included full Social Security numbers, confirmed in a XXXX  audit ) and possibly through a Bank of America data breach, which I believe could have contributed to the identity theft. These failures allowed a criminal to fraudulently activate and drain my EDD account without my knowledge.

When I finally discovered the fraud and attempted to file a claim, Bank of America subjected me to excessive hold times, dropped calls, and unhelpful agents. My fraud claim was wrongfully denied on the grounds that the card was mailed to the address on file and that my credentials were used to activate it as if this proves I personally authorized the use. It does not. 

Under Regulation E, a financial institution must prove that the consumer actually authorized the transaction. The mere use of credentials especially in a known identity theft case does not constitute authorization.

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 2025-06-26 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction :

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Reporting inaccurate names, addresses, and employment history

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 2025-06-26 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. CXXXXe XXXXXXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. XXXXb, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a small business owner who creates custom commissioned artwork under a signed, non-refundable contract. On XX/XX/XXXX, a client paid a {$2000.00} deposit via Amex for a multi-element painting. Months later, they filed a chargeback for " product not received, '' despite acknowledging consistent progress, requesting ongoing changes, and remaining in contact until XX/XX/XXXX. 
At the time of the chargeback, the artwork was in active progress and no solidified delivery or completion date had ever been contractually promised or missed. On XX/XX/XXXX, I had submitted over 130 hours ' worth of documentation through XXXX, including the signed contract, annotated progress photos, calendar logs, and message history confirming the client 's approval and engagement. 
According to both XXXX 's and American Express ' chargeback policies, a non-receipt dispute is invalid if the work was not yet due. This service was evidently still in progress, with no violated delivery terms. This fact was thoroughly documented in the evidence I had submitted. 
Despite this, the chargeback was ruled in the client 's favor on XX/XX/XXXXXXXX  with no explanation, and no indication that the submitted materials were reviewed. XXXX  has since stated that they can not escalate this, a statement I've confirmed is inaccurate and inconsistent with standard merchant rights. 
I believe American Express failed to apply its own dispute standards and allowed chargeback misuse against a legitimate, custom, in-progress service. This has caused severe financial harm to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
Unknown Credit Card Debit from XXXX XXXX previously disputed with CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that were made to my credit without my consent or written authorization. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a hard inquiry must have my direct permission.

These same inquiries were already removed by XXXX after I filed a dispute with them. However, Equifax and TransUnion have refused to remove the same entries even though they are clearly unverified and unauthorized. This is my first time disputing them with Equifax and TransUnion. 

I am requesting that these inquiries be removed immediately unless they can provide proper documentation that proves I authorized them. If not, they must be deleted under FCRA 611.

I have uploaded supporting screenshots showing : The inquiries that were removed by XXXX. 

The same inquiries still appearing on my Equifax and TransUnion reports. 

This situation is negatively affecting my credit standing, and I am requesting urgent correction and removal of these items.

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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was scammed by the salesman into a purchase of vehicle that had major problems and i was lied too, by the salesman and dealership about the car and they are not willing to help me, i purchased this car XX/XX/year>, and four months later i was told that the car needs its transmission rebuilt and has engine problems, and im paying {$710.00} for 72 months and the finance company will not help me, i can not pay that much money for a vehicle with those kind of problems, this is unfair treatment! I didnt go to this dealership for that car. I have reached out to this dealership and they are refusing to talk to me. I was taken advantage of on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I disputed an auto loan account from XXXX XXXX, which was charged off years ago but is still reporting an active balance. The creditor has failed to provide a copy of the original signed contract, payment breakdown, or legal right to report the debt under FCRA. Despite multiple disputes, it remains on my report without proper verification, in violation of FCRA 609 and 611. I am requesting its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
The end XXXX I was involved in a car accident which my car was totaled out, also profit and loss write off. The car dealership which I purchased the vehicle is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The finance company Im which Exeter Finance LLC is the company that is inaccurately reporting on my credit profile for all three credit bureaus. This company received funds from my insurance claim as well as the car dealership because of my GAP coverage. First, the car was over priced as well the car dealership not giving me an original contract in paper or email form which is illegal. After months of me trying to file a claim, the claims adjuster who was XXXX XXXX, who is the reason why my claim process delayed because of misinformation and miscommunication from this agent. The document should have been sent in a one part page but she sent in a 2 part page which delayed my claim process. After months of waiting I was told I would not receive funds for my after the agent lied and said I would receive the funds from my claim. After my claim process was completed by XXXX of XXXX, Exeter Finance LLC said I owed a balance of {$1900.00} from this loan and car that I didnt have in possession at the time due to my car accident and total loss for the vehicle. I contacted this company and they assured me that they would remove this account if I pay this balance which not fair to me as a consumer. Then this company informed me that if I payed a balance of {$500.00}, only then they would update my credit report which is a predatory practice. This company and the car dealership which is XXXX and XXXX XXXX XXXX XXXX. Also the car dealership was deceptive about the car they sold me as I received a notice about the car having XXXX recall parts for his car from XXXX XXXXXXXX XXXX XXXX  The car is a XXXX XXXX XXXX with expensive and intensive body damage. I believe that this car is a lemon and the lemon law should be applied to both companies. Fast forward to XX/XX/XXXX, when I received a email from my former insurance company which is XXXX XXXX XXXXXXXX XXXX XXXX  stating that I will receive a refund payment for liability from my car that I financed through Exeter Finance LLC. The payment of {$8300.00} which will be delivered by via check 7 to 10 business days from that date. I received the check without any explanation which lead me to believe these companies are using deceptive business practices keep funds from my insurance claim. Also this company is still reporting my account as if its still active and updating my account since XXXX of XXXX with derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear, I am writing to formally dispute the accuracy of certain information on my credit report, specifically regarding XXXX XXXX XXXX  Account # XXXX Your recent investigation results indicate that this information was verified as accurate ; however, I have not received any supporting documentation. 

Under Section 623 ( a ) ( 8 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that I believe to be inaccurate. This section mandates that furnishers of information must investigate disputes and provide verification of the information in question. As established in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the courts have recognized that the burden of proof lies with the furnisher to demonstrate the accuracy of reported information. 

Given that I have not received any documentation to substantiate the reported information, I respectfully request the immediate removal of this item from my credit report. I urge you to conduct a thorough investigation in compliance with both the FCRA and applicable case law. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief