vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am reporting multiple accounts that have been opened and are being reported in my name without my knowledge, authorization, or participation. I never authorized or managed these accounts, and their presence on my credit file is inaccurate and misleading. This unauthorized reporting misrepresents my financial history and has caused me significant concern given how seriously I take the accuracy of my credit profile. I require immediate clarification about how these accounts were added and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: MD

Complaint narrative:
On XXXX XXXX, I used RIA Money Transfer to send money to the XXXX in the amount of {$1300.00}. I kept on checking the status of my transfer but only shows deposit in transit. When I chatted with the company yesterday, they said they will investigate what is causing the delay in transit. A few minutes later, the company cancelled my wire transfer. 
I informed them about the cancellation and requested to have my money back. All that they told me was I will get my refund in 3 5 business days. RIA Money transfer held on to my money for 7 days and will take another 3 5 business days for them to refund the money. This is not acceptable. Since RIA money transfer failed to keep the end of their bargain, I should receive my money back without question. 
It appears that this is a shady business because I can never get a straight answer from anyone. RIA Money Transfer should be investigated to ensure that they are not scamming the American people. 
It is now XX/XX/year> and I have not received my refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint because Transworld is reporting inac

curate and unverified information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the CRA 's stated that Transworld claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity.

What Should Have Been Provided ( But Was Not ) : Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with XXXX XXXX ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer.

Transworld provided none of the above documentation. Additionally, this debt is past the statute of limitations in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX. Lived on the property for 1 year. Deposit was {$300.00}. When I moved out they said I owed an additional {$77.00}. XXXX XXXX  reported to an collection agency that I owe {$77.00} when I had a {$300.00} deposit. 
This is false and malicious. This debt is irrelevant and fraudulent. Under 15 US Code 1692 ( g ), and I am requesting to have this false information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-30 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: SC

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. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( 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. 1666b, creditors must allow at least 21 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 explanation
Consumer complaint received 2025-10-30 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:
Experian is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents. Please see 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 explanation
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to LVNV Funding LLC, located at XXXX XXXX  XXXX, XXXX, SC XXXX, concerning several collection accounts they reported on my credit file. The disputed accounts were originally issued by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$480.00} ), XXXX XXXX ( {$1300.00} ), and XXXX XXXX  ( {$510.00} ). 

In that letter, I invoked my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I requested complete validation of the alleged debts, including : A copy of the original purchase agreement signed by all parties.

The full purchase or assignment agreements between the original creditors and LVNV Funding LLC.

An unbroken chain of title showing LVNV Funding LLC as the current owner.

An itemized accounting of how the claimed balances were calculated.

A detailed written explanation of the steps they used to validate the debts, including sources of information, copies of any records used, and the identity of the individual or department that performed the review.

Despite this formal request, LVNV Funding LLC failed to provide any of the required documentation or a valid explanation of their validation process. They continue to report these accounts to the credit bureaus, which constitutes furnishing unverified and potentially inaccurate information.

I am requesting that the CFPB review this matter and require LVNV Funding LLC to : Provide lawful validation as required under FDCPA 809 ( b ) and FCRA 611 ( a ), or Immediately delete all unverified collection accounts from my credit reports and cease any further collection activity. 

I have attached a copy of my XX/XX/year> dispute letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing an inaccurate collection account reported by Experian, TransUnion, and Equifax. 

The collection is from XXXX, which filed for XXXX XXXX bankruptcy in XXXX  and permanently ceased operations. Therefore, there is no valid debt to collect or report. 

Despite providing documentation showing the companys bankruptcy and closure, Experian refused to delete the collection. Under the Fair Credit Reporting Act ( FCRA Section 611 ), the furnisher must verify the account with original, valid documentation. Since XXXX no longer exists, no such verification can be made. 

This account is inaccurate and damaging to my credit. I request the CFPB to require all three credit bureaus ( Experian, Equifax, and TransUnion ) to permanently delete this invalid collection and to investigate whether they failed to ensure accuracy and fairness in credit reporting. 

Supporting documents include : 1. Official email from XXXX confirming the XXXX XXXX bankruptcy filing. 
2. News article confirming XXXX bankruptcy and liquidation. 
3. Email from XXXX XXXX XXXX confirming XXXX closure and refunds. 
5. Experians reinvestigation response refusing deletion.

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 2025-10-30 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: NJ

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report with Experian : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
My money from my account was stolen while I was incarcerated someone stole all my identity and use all my money off the account I connected the fraud department to report what happened and they denied my claim without seeing any evidence that I presented I had valid proof that I was XXXX XXXX XXXX XXXX XXXX  my money was deposited on XX/XX/XXXX and was drained out and XXXX single month.my car was also stolen with all my personal information and has not been found yet I have all the police report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Chase account that was closed with - {$3300.00} balance last four of the account number is XXXX. I had over {$3300.00} in my account that I wasnt sure where it came from. I have over XXXX transactions a month so I wasnt exactly sure where the money came from. I called Chase to find out where the XXXX came from and was not a mistake. Chase informed me it came from transfer. I do a lot of transfers and transactions a month so I didnt think anything of it .So purchased some items. The following day my account was XXXX when I called them to find out what happened they couldnt give me a direct answer. They were very vague and told me theres nothing they can do close my account so XXXX cant even investigate what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MN

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report with Experian : Inquiries : XXXX XXXX XXXX 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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to XXXX XXXX  account number XXXX company had incorrectly reported late payments while on a hardship. It was reported XXXX missed payments when I only had XXXX. Claim ID ( XXXX ) since then XXXX has updated my late payments to show 1 missed payment. However Transunion, Equifax, and Experian has not updated my scores as the mistake dropped my score XXXX points. I called customer service just to get even more frustrated as the representative I was speaking with had no knowledge of how to correct my error.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I attempted to deposit a " XXXX XXXX XXXX '' cashiers check for {$12000.00} from my employer " XXXX XXXX '' into my " XXXX XXXX '' chase checking account via an ATM inside a chase branch on XX/XX/year>, the ATM took the check but it said there was a problem depositing and printed a receipt telling me to call chase to ensure the deposit went through, when I called they told me the ATM had a problem reading the check and they sent someone to open the ATM and take the check out to deposit it and that i would receive a temporary credit for the amount, however they never contacted me to confirm that had taken place, and my bank account was locked for potential fraud, I then called again and was told by the customer support I would not receive a temporary credit until they confirmed the check was valid, I called numerous times and was able to have my account unlocked, and was told conflicting information and the last time I called I was told the check was read properly by the ATM and the reason it was not deposited was because the transaction was flagged as unusual for my checking account, even tho I deposited it in person at a chase branch and spoke to several employees, I was initially given a time frame of 10 days to be the maximum until it would be fixed however my initial claim was closed on XX/XX/year> so it is now extended past when I was told it would be fixed, nobody at chase can tell me exactly what the problem is and when it will be fixed, ive been given no way to resolve the issue and chase has continued to give me the run-around with no resolution in sight

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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