vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing an account from XXXX XXXX on my TransUnion credit report. This account was included in my XXXX  XXXX bankruptcy, which was discharged in XX/XX/XXXX. 

However, XXXX XXXX is reporting a derogatory mark in XX/XX/XXXX, which is after my bankruptcy discharge. This violates the Fair Credit Reporting Act because no negative activity should be reported once the account has been discharged in bankruptcy. 

I previously filed a dispute with TransUnion, but they marked the account as Verified and failed to correct the reporting, even though this payment activity is clearly inaccurate and harmful to my credit score. 

I am requesting a correction to reflect : {$0.00} balance Status : Included in Bankruptcy Removal of all negative marks reported after XX/XX/XXXX Please investigate and ensure this account is updated to accurately reflect my bankruptcy discharge status.

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 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I deposited proceeds from the sale of my home in the XXXX XXXX, XXXX  Wells Fargo branch on XXXX. I confirmed with the teller at that time that no hold was applied ( due to the amount being {$41000.00} ) and requested {$700.00} cash as she stated funds would be fully available morning of XXXX. At around XXXX XXXX  XXXX on XXXX, I received an email from Wells Fargo stating that the deposit was put on hold and all funds were frozen until the verification process is complete- including the {$700.00} cash out which was then deducted from my account pushing me negative. 

I called WF support multiple times throughout XXXX ( at XXXX XXXX, XXXX am, XXXX XXXX, and XXXX XXXX  ) to ask why the hold was applied. Each time I was told it was due to the institution from whom the funds are coming had flagged the check as suspicious and that the funds wouldn't be available until XXXX. I contacted my title agent ( XXXX XXXX ) who verified with his boss, who verified with their accounting department, who confirmed with their BANK that not only had the title company approved the check for clearance, but the FULL {$41000.00} was taken from their ( title company bank ) account on XXXX. And, furthermore, that the title company bank NEVER flagged the check as suspicious as it was a planned payout for the sale of my property. 

Wells Fargo ( despite my insistence and repeat confirmation with the title company bank - the people WF is claiming won't release the money ) won't release MY MONEY and states that no department or individual exists that can release the fraudulently held funds. They claim the " verification process '' has to play out but THERE IS NO VERIFICATION PROCESS OCCURING AS THE PROVIDING BANK ALREADY CLEARED THE CHECK AND REMITTED THE FUNDS TO WELLS FARGO.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING, LLC- This company is also listed on my credit report, and they keep calling me. I have never done business with this company before ; I don't know who they are or why I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: DE

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-07-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I do online banking through my credit union and my mortgage is paid monthly on or about the XXXX  of every month. A payment in the amount of {$2600.00} was made on XX/XX/XXXX and put into unapplied. I missed the statement indication the new amount would be {$2700.00} so my payment was short by {$62.00}. I called Freedom Mortgage and pointed out that on the back of their statement regarding unapplied funds, it states they do have the option of applying the {$2600.00} to my account and adding the {$62.00} to my next bill but they refused. I took out this loan in XXXX, XXXX  and for 5 years I have paid my mortgage on time so I feel they should have applied my payment but instead they added a late charge and reported my account delinquent on XX/XX/XXXX. I paid the additional {$62.00} and late charge as well as the {$2700.00} ( it was sent by my bank on XX/XX/XXXX but posted XX/XX/XXXX ). This caused my credit report to drop XXXX points and changed my rating from exceptional to very good. 

I have repeatedly requested paperless billing but the only thing they send me via email is offers to take advantage of the equity in my home.

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 2025-07-24 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: TX

Complaint narrative:
CFPB Complaint : Inaccurate Credit Reporting by Equifax To Whom It May Concern, I am filing this formal complaint against Equifax for reporting inaccurate and damaging information on my credit report. Despite having a longstanding, positive payment history on this installment account, Equifax has incorrectly reported a 90-day late payment for XX/XX/XXXX, which is entirely inaccurate. 

Account Details : Account Type : Installment Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Nature of the Dispute : As shown in the attached screenshot, I have consistently made on-time payments from XXXX through XXXX. In XXXX, Equifax inaccurately marked XX/XX/XXXX with a " 90-day late '' indicator, despite XXXX and XX/XX/XXXX both being marked as on-time. This is contradictory and reflects a significant reporting error. 

This incorrect derogatory mark is negatively affecting my credit profile and is not consistent with my actual payment behavior. Furthermore, the inconsistency ( reporting on time in XXXX, then suddenly 90 days late in XXXX ) raises serious doubts about the validity and integrity of this data. 

Supporting Evidence : I have attached a screenshot of the payment history showing this error. It clearly shows a consistent pattern of timely payments, with no justification for a 90-day delinquency. 

Regulatory Reference : I am also aware of the {$13.00} XXXX fine recently issued by the CFPB to Equifax ( XXXX ) for mishandling credit report disputes and reporting errors. This complaint is in line with the same kind of inaccurate credit reporting behavior that Equifax has been fined for. 

Resolution Requested : Immediate correction of the inaccurate 90-day late mark from XX/XX/XXXX on my Equifax credit report. 

Written confirmation that the error has been removed. 

Review of Equifaxs internal procedures to prevent this type of reporting error from recurring. 

I request that this issue be thoroughly investigated and corrected promptly. I am also requesting that the CFPB hold Equifax accountable under the Fair Credit Reporting Act ( FCRA ) for failing to ensure maximum possible accuracy in reporting consumer data. 

Thank you so much for your help with this. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Texas, XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
Seeing a late payment is distressing and does not align with my consistent payment behavior. I ask that it be corrected swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I bought my brand new car from Nissan in XX/XX/year> I started my first payment on XX/XX/XXXX XXXXeverything was going well because I was able to see everything payment I was making meaning whats goes to the principal and interest. I was able to see everything I was making extra payments to pay off my loan .they changed everything in the app, I call them to explain me what going on.they said its the new update.I spoke to at-least 5 person about my experience I reach to my bank and my bank confirmed 26 payments already but they state that I made only 17 that is 24 % out of 100 %. I do have everything as proof, before the new update I was already at 37 % out1 100 % .I really need help for my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XX/XX/XXXX, XXXX Company mailed letter to me providing information to dispute debt by XX/XX/year>. 

XX/XX/XXXX, XXXX sent a letter requesting debt validation to company. 

XX/XX/XXXX, XXXX Debt collector responded to letter with an account summary report. On this account summary report it states " This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. '' The account summary included borrowers ' information, current account information and listed a creditor name, address and amount owed. No other documents were provided. 

XX/XX/XXXX, XXXXSecond letter requesting appropriate debt validation sent and proof of their right to collect on this debt. 

XX/XX/XXXX, XXXX Debt collector responded with one statement XX/XX/XXXX, XXXX A third letter requesting appropriate debt validation and proof of their right to collect on this debt was sent. Debt Collector replied with same statement singular statement. 

The name and address of the original creditor on their statement does not match the name and address of the creditor on the statement they provided. If the account was transferred no proof of this was provided. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, debt collectors are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. -- Debt collector failed to conduct a full and proper reinvestigation once the dispute was filed. 

Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : Can not be verified must be deleted from the file of the consumer. -- Debt collector failed to verify disputed item.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. -- Debt collector failed to provide sufficient evidence to verify the account.

Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company also had no permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$770.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: RI

Complaint narrative:
According to FCRA section,605B its illegal to report my information without my permission please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDSOUTH ADJ 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX XXXX  / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. 
DISPUTED ACCOUNT : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} * * Issue : Late Payment reporting is inaccurate and harmful Law : FCRA Sections 602 A, 609 ( a ), and 611 allow me to dispute incomplete or inaccurate information and request evidence of its accuracy. 
Story : This account is showing a late payment even though the balance is XXXX and has been closed. I am requesting a full reinvestigation, including payment history validation and original creditor verification. If you can not provide evidence, this late payment must be removed as mandated by FCRA. 

Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.

Company response to consumer: Closed with explanation