vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The account is closed so I need it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am reaching out because Ive come across an account on my credit report that is completely unknown to me. I have no knowledge of this account, nor have I authorized or opened it. This is a clear case of mixed data, and Im requesting immediate action to remove it from my 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 2025-03-31 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: OH

Complaint narrative:
I sent Transunion a dispute certified mail on XX/XX/2025. I received three emails from them, XX/XX/XXXX, XXXX, and XX/XX/XXXX, saying that they are still waiting on my creditors to respond. I never heard back from Transunion. On XXXX XXXX XXXX  days past the time they received my dispute, I called in to get an update and also to request that whatever accounts were not verified to be deleted. They told me that they mailed out my final dispute XX/XX/XXXX, which is not possible because I submitted the dispute XX/XX/XXXX. I also have an email from Transunion on that day saying they just received my dispute. The rep for Transunion, later changed his answer by saying that they emailed it to me. I told him that I never received it and can he send it again? He said that he can not. I asked could he send a physical copy to my address, he said he could send me an updated copy of my credit report but not the results of my dispute. I explained that I have an updated copy of my credit reprt, thats how I know that my accounts have not been updated. He told me that Transunion can not remove accounts from my report without the creditor 's permission. This is of course untrue. A violation of my rights according to the fair credit reporting act : If information is not found to show maximum possible accuracy or it is incomplete or can not be verified by the creditor within 30 days, the consumer reporting agency must promptly delete the item from the file of the consumer. I also requested to have addresses, nicknames, and an inquiry removed. To sum up my complaint I filed a dispute, waited 38 days, before I called in to verify if my dispute had been closed and to receive the results. I also requested to have what was not verified, deleted. Some of the Items that I disputed last update was before my dispute. I would like proof that they were verified. Today I started another dispute highlighting the inaccuracies on my report. It was sent via certified mail.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital was PAID IN FULL on XX/XX/year> for two accounts by my accepting a settlement amount to CLOSE OUT ACCOUNT AND HAVE REMOVED COMPLELTELY FROM CREDIT BUREAUS. I contacted company requesting to speak with a supervisor about the matter and never received a promised callback and the items are still appearing on my three national credit bureaus. This is e breach of agreement, harassment and damaging to my credit.

I am seeking immediate action today and damages for delays in taking promised action, damages to my credit rating and reports and failure to adhere to agreements especially removal and return calls. Minimum compensation for each falsely reported account {$300.00} for four accounts totals {$1200.00}. 

Further and continued HARASSMENT is punishable further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
I reviewed my credit report and discovered multiple bankruptcies inaccurately reported. These bankruptcies were not filed by me, and their presence has severely impacted my credit standing. However, upon reaching out to the courts and data furnishers, I was informed that they did not report these bankruptcies to the credit bureaus. This raises concerns about the validity of the verification process. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Since the credit bureaus have failed to provide proper verification, I request the immediate removal of these inaccurate bankruptcies from 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 non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health. I am aware that XXXX has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple written disputes to Transunion regarding inaccurate information on my credit reports. Despite my repeated efforts, this bureau has not corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld. 

Accounts in dispute : XXXX XXXX XXXXXXXX - last activity dates do not match across the XXXX bureaus, 30 days past due are not reflecting the same across the XXXX bureaus, 60 days past due are not reflecting the same across the XXXX bureaus, 90 days past due are not reflecting the same across the XXXX bureaus, last reported dates do not match across the XXXX bureaus, date of last payment dates are also incorrect across the XXXX bureaus. 

XXXX XXXX - XXXX - reflecting a past due amount on an account that is a loss, the past due amounts DO NOT MATCH, the last activity dates do not match, 30 days past due are inaccurate, 60 days past due are inaccurate, 90 days past due are inaccurate, last reported date are all different, date of last payment date are all different.

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 2025-03-31 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$0.00} To preserve its integrity, a credit report must be accurate and adhere to standards. You must check that the information supplied satisfies all requirements, such as timeliness and verifiability, as specified by the XXXX XXXX and FCRA frameworks. The only appropriate course of action would be to delete all of the data from my profile if these requirements were not fulfilled. Regarding this, I implore you to act. 

XXXX - Account # XXXX Balance : {$0.00} It is imperative that you take immediate action to resolve these disparities in light of the laws governing credit reporting. Any delay or neglect could be interpreted as a disrespect for standards, as the entire system depends on following these procedures. Kindly remove the errors from my credit report right away. 

XXXX - Account # XXXX Balance : {$0.00} Prioritizing accuracy and adherence to industry standards is essential for maintaining a credit system. Any departure from these standards jeopardizes the reliability of all data that is reported. Please review and remove any information that is incorrect. Removing all information from my profile is the only acceptable course of action if you don't follow these guidelines.

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 2025-03-31 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: IN

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello CFPB and TransUnion, I recently reviewed my credit report and found that inquiries from XXXX and XXXX are innacurately reported. 

As pertains to the Fair Credit Reporting Act ( FCRA ), these unathorized and innacurate inquiries are being disputed with the consumer reporting agencie TransUnion and the provider of said inquiries. 

It is being reported under false pretenses in violation of XXXX XXXX standards. It is neither current, nor accurate. This non-compliance means the account is being reported inaccurately and unlawfully. 

The FCRA Section 623 ( a ) ( XXXX ) clearly states that if a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

As per the FCRA, all reported data must be accurate and compliant. Since this account fails to meet that requirement, I demand its immediate removal. Please confirm deletion promptly of inquiries by XXXX and XXXX. 

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 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: FL

Complaint narrative:
There are several Possible Finance loans on my XXXX report which are a result of identity theft. these accounts were not opened by me. Please remove all possible finance loans from my XXXX report. 

20 possible finance account in total to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NY

Complaint narrative:
I used my account as usual but the next day it was suspended by the platform

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: CA

Complaint narrative:
A company called XXXX XXXX XXXX added a credit line to my credit file without my consent and my credit score went down with Equifax by XXXX points. I immediately closed the account and it went down XXXX more points. I asked XXXX XXXX Bank and Equifax to remove the account from my file and after it was removed it went down XXXX more points. The other credit bureaus increased my score once the account was removed from the file. Equifax must increase my score as well. My credit score has gone down XXXX points because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Subject : Second Request for XXXXredit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments XXXX XXXX XXXXXXXX - XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 



The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 



I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple written disputes to both Experian and Transunion regarding inaccurate information on my credit reports. Despite my repeated efforts, neither bureau has corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld. 

Accounts in dispute : XXXX XXXX - XXXX - monthly payments are not reflecting the same amount ; the balance is reporting different on each bureau ; dispute status reads 'not disputed ' when it should be in dispute ; last activity dates do not match ; last reported dates are wrong ; date of last payment dates are wrong. UPDATE TO NEVER LATE. 
XXXX XXXX - XXXX - balance owed do not match ; high balances do not match ; dispute status is incorrect; past due amounts are different ; last activity dates are different ; date of last payment dates are different. PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - I do not recall ever doing business with this company and they are reporting a medical debt which I thought was not allowed. PLEASE DELETE.

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 2025-03-31 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: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
In early XXXX I discovered that an account for {$12000.00} managed by Williams Rush & Associates was being reported on my personal credit report as an individual collection. However, this debt is actually a corporate obligation of XXXX XXXX XXXX, as demonstrated by the underlying recruitment agreement, where I signed solely as a representative without a personal guarantee. 

On XX/XX/year>, I sent a Debt Validation Letter via Certified Mail to Williams Rush & Associates, which was confirmed delivered on XX/XX/year>. In that letter, I requested that the collector provide any documentation showing personal liability or a personal guarantee. Despite my request, I received additional collection emails on XX/XX/year>, and XX/XX/year>, demanding payment from me personally. 

Subsequently, I disputed the account with both XXXX and XXXX, including copies of my Debt Validation Letter, delivery confirmation, and excerpts from the recruitment agreement clearly indicating that XXXX XXXX XXXX is the contracting party. Despite these efforts, both credit bureaus have maintained the inaccurate listing, incorrectly attributing a corporate debt to me individually. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Proof that my dispute letter to XXXX was sent via certified mail, confirming receipt. 
XX/XX/XXXX Mail XXXX ( XXXX XXXX  ) : Documentation of a relevant mailing related to my dispute process, further supporting the timeline of my actions. 
XXXX XXXX XXXX ( XXXX XXXX  ) : Verification that my dispute letter to XXXX was sent and received via certified mail. 
Letter to XXXX XXXX XXXX XXXX XXXX : The dispute letter I sent to XXXX, detailing why the collection account is inaccurate and should be removed. 
Letter to XXXX XXXX XXXX XXXX  ) : The dispute letter I sent to XXXX, outlining the evidence that the debt is a corporate obligation of XXXX XXXX XXXX and not my personal responsibility. 
Letter to Williams RushXXXXXXXX XXXX XXXX XXXX  ) : The letter sent to Williams Rush & Associates requesting debt validation and highlighting their failure to provide any evidence of personal liability. 
XXXX XXXX XXXX ( XXXX XXXX  ) : The underlying recruitment agreement, with highlighted excerpts showing that XXXX XXXX XXXX is the contracting party and that I signed solely as a representative without a personal guarantee. 
Williams Rush XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX : The XXXX certified mail receipt confirming that my Debt Validation Letter was delivered to Williams Rush & Associates on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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