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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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: 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: IN

Complaint narrative:
I disputed two accounts on my Experian credit report that were originally listed under XXXX XXXXXXXX XXXX These debts were previously serviced by a collection agency called XXXX ( also known as XXXX XXXX ), but they no longer own or collect on the accounts. The debts have since been transferred to XXXX XXXX, who is now actively attempting collection. 

Despite this transfer, Experian continues to report the original tradelines as open and valid. I submitted a dispute and requested verification, including confirmation of ownership and authority to report. However, Experian responded that the information was verified and accurate, even though the original furnisher no longer has authority over the accounts. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus must report accurate and up-to-date information. Since the accounts have been transferred, the previous reporting entity can not continue to certify the debt. Experians failure to correct or remove the tradelines is misleading and harmful to 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 explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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: WI

Complaint narrative:
My identity was stolen and used and now the bureaus are reporting inaccurate information. I have been writing them to have these things removed and fix my identity in their system to no avail. Transunion, Experian and XXXX  all have violated my FCRA rights multiple times with this reporting of inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Despite my previous dispute and reinvestigation request, the credit reporting company continues to report inaccurate information on my credit file. The accounts in question remain unverified, incomplete, or incorrect, yet they were verified without sufficient documentation or evidence of accuracy from the furnisher. 

I initially disputed these items, and the investigation results indicated that the items were verified as accurate. However, no valid proof or original account-level documentation was provided to substantiate that verification. This violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ), which requires the reinvestigation of disputed information to be thorough, complete, and properly verified.

I have since reviewed my updated credit report and confirmed that the same inaccurate information remains. The continued reporting of unverifiable or false data has negatively affected my creditworthiness, causing harm through credit denials and score reductions. I am now requesting a formal reinvestigation and deletion of all items that can not be fully verified with original documentation from the furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FC HoldCo LLC
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Re : Auto Loan Account No. XXXX Dear Credit Reporting Agencies, I am writing to dispute inaccurate or unverifiable information appearing on my credit report with your bureau. Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

The account listed below contains inconsistencies and potential reporting errors that must be investigated : Account Information Being Disputed : Creditor Name : [ Insert Lenders Name if known ] Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$9300.00} written off. {$9600.00} past due as of XX/XX/XXXX. 

Reported Balance : {$9600.00} ( as of XX/XX/XXXX ) Original Balance : {$16000.00} Status Updated : XX/XX/XXXX Reasons for Dispute : The balance and charge-off amounts appear inconsistent and may not reflect accurate or verified information. 

The payment history ( XXXXXXXX XXXX XXXX XXXX XXXX  ) contains gaps and inconsistencies that may misrepresent my payment record.

The last payment date and past-due amount do not match original creditor documentation.

I request that each bureau conduct a full reinvestigation of this account with the data furnisher. If the creditor can not provide verified and complete documentation supporting this account, I request that it be removed entirely from my credit report per FCRA 611 ( a ) ( 5 ).

Please send me written confirmation of your investigation results and an updated copy of my credit report once your reinvestigation is complete.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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

Complaint narrative:
I, XXXX XXXX XXXX, formally request the immediate deletion of two collection accounts appearing on my credit report, as the debt collectors failed to verify the debts in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I sent debt verification requests to the collectors listed below. More than 30 days have passed since the receipt of my letters, and I have not received any response or valid documentation proving that these debts belong to me or that the reported amounts are accurate. 

The accounts in question are : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX. 

Partial Account Number : XXXX Reported Balance : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Partial Account Number : XXXX Reported Balance : {$740.00} Date Opened : XX/XX/XXXX Since these collection agencies failed to verify the debts within the legal timeframe, I am requesting that they be immediately removed from my credit file. 

I am attaching the following documents as evidence : A copy of my original debt verification letter sent to each collector. 

Proof of mailing via certified mail. 

I kindly request written confirmation of the removal of these accounts from my report, in accordance with my rights under FCRA 611 ( a ) and FDCPA 809 ( b ). 

Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! XXXX XXXX XXXX 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 2025-11-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: TX

Complaint narrative:
My account with SST was paid off in full more than two weeks ago, and I am owed a {$3000.00} savings account balance. 

On XX/XX/year>, SSTs online portal finally showed a link to request the transfer of those funds. I submitted the request on XX/XX/XXXX and again on XX/XX/year>, but as of today, the funds have still not been deposited into my checking account. 

There has been no communication or explanation from SST about the delay, even though the account is fully paid and I have repeatedly requested the release. The continued withholding of these funds is unreasonable and appears to violate fair account servicing and release procedures.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
Since XX/XX/year> regarding initial complaint against Fortiva Credit Card complaint number XXXX XXXX responded on XX/XX/year> Response Type Closed with monetary relief XXXX 's Response CFPB # XXXX This company went on to use a date of the periodic date of XXXX per month as due date despite acknowledging today the date was changed in mid XXXX to the XXXX of each month. The late fees charged since XX/XX/year> are XX/XX/year> {$41.00}, XX/XX/year> {$41.00}, XX/XX/year> {$41.00} and the payment was made again. The year to date totals changed mulitple times for the fee cap limit law which I understand they define as first year initial credit card limit which does not allow for increased fees after the first year this restricts them from increasing the fees per the intial credit per the understanding. However, they have changed the payment dates, they manipulated the year to date totals to undermine the credit card cap of fees per credit issued. This company refused to provide the bank name which they indicated had reversed a {$99.00} payment posted to my account on their statement due date of XX/XX/year> paid on time and posted per my XXXX closed on XX/XX/year>. They reversed this payment on XX/XX/year> and had already charged a late fee on XX/XX/year> per my statement AGAIN. The bank indicated Fortiva had reversed this payment for {$99.00} stating they had paid it for XXXX minutes and it was reversed out of the account on the XXXX or XXXX of the month. They did not notify me of the reversed payment nor the late free applied per email or mail as of XX/XX/year>. They did not provide any acknowledgment of the late fees throughout the year and did acknowledge the due date was changed internally on the statements without reflecting on the physical statements which did cause the late payments. 

I did ask for the account to be locked until I can clear this up. I did contact them over the matter. The cap on fees is legal this card is {$650.00} limit, the fees for this card is .54 % for this credit card far exceeding the limit cap and has been charged for over a year. YOU the consumer board failed to correct their error allowing them this right despite the law. These types of predator cards undermine the financial security of ANY CONSUMER. 

Thank you. I strongly suggest you read their letter and the excuses they used to apply the types of account fees of pawn brokers for XXXX credit. 

Thank you for your tax paid time. I willl look into lobbying for XXXX taxes on service like yours. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: AL

Complaint narrative:
I am trying to resolve a debt with Rausch Sturm XXXX XXXX. I previously set up a payment plan with them and received a payment schedule, but I never received any other documentation about the debt by mail. 

Due to financial hardship, I could not keep up with the plan, and it fell through. I have since tried contacting the firm by email, but I have not received any responses. My phone is currently disconnected, so I can not call. 

Recently, I received an email from Rausch Sturm stating that I have an important document to view in my account. However, when I try to log in, I can not access my account due to its status. Because I can not reach anyone by phone and my emails go unanswered, I have no way to view this document or understand the current status of my case. 

I want to take responsibility for my debt and make arrangements, but I can not do so without communication or account access.

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