vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$360.00}

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Filed a complaint on XX/XX/year> regarding non approved expenses on my card that should of been expired as it ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
b"Two months ago I tried logging into my Experian account to unfreeze my credit. My password was not accepted. I tried resetting my password and it wanted to send the new password to someone else's e-mail. I tried unfreezing my credit via the phone but the pin that Experian gave me did not work. It appears that my user name, password, phone number and pin have all been disassociated with one another. I know they are correct, I wrote them down and have not changed them.\n\nI've tried calling Experian's customer service XXXX XXXX XXXX XXXX more than a dozen times over the past two months but cannot get past the automated system to speak with a representative. I have called their office line XXXX  and have spoken to real people who have done nothing but put me back into the automated system. \n\nThis entire experience has been very frustrating. I just want someone to look up my account and help me reset my password or tell me why all of my information is jumbled up in their system. \n\nThis has caused me great harm as I haven't been able to switch my phone plan, I haven't been able to get a new apartment, and I am currently in need of a new car which I can't even look for until my credit is unlocked."

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 2025-11-18 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: AL

Complaint narrative:
This correspondence is submitted as my formal dispute of the referenced accounts. I did not authorize or open them and have no affiliation with them. I request their prompt removal and a full review. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Please review this entry ; it was created late and might contain inaccuracies.

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 2025-11-18 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain entries on my TransUnion credit report that I believe contain inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these discrepancies and make the necessary corrections.

Disputed Accounts : 1. Dept of Ed/XXXX  ( Installment Account ) Account Number : [ Full Account Number ] Status : Positive ( disputed ) o FCRA Violation : Inaccurate reporting of payments and balance. 
o Data Breach Concern : Unauthorized access to my personal data. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Account ) Account Number : [ Full Account Number ] Status : Positive ( disputed ) o FCRA Violation : Incorrectly reported late payments and inaccurate payment history. 
o Data Breach Concern : Potential data breach at XXXX. 
XXXXXXXX XXXX  ( Installment Account ) Account Number : [ Full Account Number ] Status : Negative ( disputed collection ) o FCRA Violation : Outdated status reporting and uncorrected account information. 
o Data Breach Concern : Unauthorized use of my personal data. 
XXXXXXXX XXXX ( Installment Sales Contract ) Account Number : [ Full Account Number ] Status : Negative ( charge-off ) o FCRA Violation : Incorrect charge-off status and failure to verify accurate reporting. 
o Data Breach Concern : Risks associated with unauthorized data access. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : [ Full Account Number ] Status : Negative ( late payments ) o FCRA Violation : Inaccurate reporting of late payments despite resolutions. 
o Data Breach Concern : Potential misuse of my 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 2025-11-18 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 formally dispute the listed accounts as I did not authorize them and am not associated with them. I request a thorough review and their removal. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am writing in reference to CFPB Case # XXXX concerning my account originally with XXXX XXXX XXXXXXXX XXXX XXXX XXXX now owned by XXXX XXXX XXXX  and serviced by Resurgent Capital Services XXXX XXXX XX/XX/year>, Resurgent provided a written response indicating that my account has been satisfied in full and that a request to release the judgment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has been submitted. Their letter also confirms that {$7900.00} was collected on an account that originally charged off at {$3300.00}. Given this significant overcollection and the fact that the debt appears to have been pursued beyond the applicable statute of limitations, I am requesting the CFPBs assistance in : Ensuring the immediate refund or improper collections made after the account should have been deemed time-barred or satisfied. Despite Resurgents acknowledgment of full satisfaction, they have not provided a refund or accounting breakdown to justify the total payments collected. I believe this matter warrants CFPB XXXX to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and related state consumer protection laws. Please advise on the next steps or documentation required to formally pursue this refund request under my existing case file. Thank you for your continued assistance and advocacy. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was charged XXXX for an overdraft that I feel was cleared on 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 2025-11-18 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit report by Equifax for YEARS now. Upon reviewing my XXXX report dated XX/XX/year>, I identified multiple accounts with reporting errors, violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX guidelines, and possible GLBA breaches. 

Specifically : XXXX XXXX XXXX : Appears to be re-aged with inaccurate Date Opened/DOFD, affecting the XXXX reporting period under FCRA XXXX. 

XXXX XXXX XXXX ( aka XXXX ) : Reporting twice under different names with identical balances, which is misleading and constitutes duplicate reporting in violation of XXXX XXXX standards. 

USAA FSB : Charged-off account shows conflicting remarks and statuses across bureaus, violating FCRA 607 ( b ) accuracy requirements. 

XXXX XXXX XXXX Account XXXX Incomplete and inconsistent data between the bureaus, lacking proper verification under FCRA XXXX and misleading consumers. 

I have exercised my rights by disputing these accounts with the bureaus and furnishers but have not received proper compliance or verification. I request a full investigation and removal of all inaccurate, unverifiable, or duplicative entries as required by the FCRA. Please ensure my financial data is handled in compliance with federal law, including proper XXXX XXXX formatting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverifiable information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I am requesting that the CFPB assist in compelling Equifax to correct these errors, conduct a lawful reinvestigation, and remove any unverifiable items from my credit report. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-11-18 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: AZ

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting unauthorized, incomplete, or incorrect information that needs to be corrected. 

1. Charged Off Disputed The following accounts have been incorrectly reported and need verification or removal : XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$170.00} XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$6600.00} XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$5800.00} XXXX  XXXX XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  XXXX Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$160.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$130.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$290.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1100.00} XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed : XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX. Positive Accounts There are no issues with positive accounts at this time. 

4. Late Payment Disputed The following late payments need to be verified or removed : XXXX, Acct # : XXXX XXXX XXXX XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$25000.00}

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 explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I was a victim of the Equifax data breach, and as a result my personal information was exposed. Accounts were created or reported that I did not authorize. I am requesting that these accounts be blocked and removed from my credit report under 15 USC 1681c-2 ( a ).

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 2025-11-18 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: MD

Complaint narrative:
I was a victim of the Equifax data breach, and as a result my personal information was exposed. Accounts were created or reported that I did not authorize. I am requesting that these accounts be blocked and removed from my credit report under 15 USC 1681c-2 ( a ).

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 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my TransUnion credit report. These accounts are incorrectly reported, and I request that they be investigated and corrected as necessary under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Charged Off Accounts : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$620.00} Late Payments : XXXX  Account Number : 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