vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am requesting immediate correction of inaccurate information being reported on the above-referenced account that violates the Fair Credit Reporting Act. 

ACCOUNT STATUS ISSUE : Your credit reporting shows " Account closed at consumer 's request and dispute investigation completed, consumer disagrees. '' This notation clearly indicates : Account was closed at MY request ( not adverse action ) A formal dispute investigation was completed Investigation results favored consumer position FCRA COMPLIANCE ISSUE : Per FCRA XXXX XXXX ( b ), when a dispute investigation is completed and determines information is inaccurate or incomplete, you must correct the reporting within 30 days. Your own notation acknowledges the investigation was completed with consumer disagreement, yet negative information remains. 

BUSINESS IMPACT : I am launching XXXX XXXX XXXX  a sustainable XXXX business, in the next 42 days. This inaccurate reporting is preventing access to necessary business credit lines for inventory and equipment purchases totaling approximately {$8500.00}. 

SPECIFIC CORRECTIONS REQUESTED : 1. Remove all negative payment history ( account was closed at my request ) 2. Update status to " Closed at consumer request '' 3. Remove any late payment notations ( dispute was resolved in my favor ) 4. Submit corrections to all three credit bureaus within 15 days DOCUMENTATION REQUEST : Please provide : Copy of original dispute investigation results Written confirmation of corrections made Timeline for credit bureau updates LEGAL NOTICE : Failure to correct inaccurate information after acknowledgment of completed dispute investigation may constitute willful non-compliance with FCRA Section 623, subject to statutory damages up to {$1000.00} plus attorney fees. 

I trust XXXX XXXX will resolve this matter promptly and in compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: DigniFi
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding / Resurgent are reporting a fraudulent tradeline that I did not open, authorize, or benefit from. On XX/XX/year>, I submitted a valid FTC Identity Theft Report, notarized affidavit, police report, ID, and proof of address to XXXX  by certified mail. This required XXXX  to notify LVNV Funding/ Resurgent as the furnisher. LVNV failed to permanently block/delete the tradeline within 4 business days as required under FCRA 1681c-2 . They also failed to maintain a working consumer channel as both official emails were undeliverable. The Tradeline is Removed from XXXX  but not from XXXX  or XXXX. They failed to do so and have no valid chain of title or permissible purpose under 1681b. They also failed to respond to direct written requests, as both official emails returned undeliverable. They are willfully violating my rights and harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EdFinancial Services
State: OK

Complaint narrative:
My Identity was stolen and used to obtain a student loan with Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$53.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$510.00} XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX  - XX/XX/XXXX XXXX {$29000.00} XXXX  - XX/XX/XXXX XXXX {$1000.00} Inquiries : 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 2025-06-29 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$53.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$510.00} XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX  - XX/XX/XXXX XXXX {$29000.00} XXXX  - XX/XX/XXXX XXXX {$1000.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Barclays mishandled hotel dispute, refused to reopen after errors. 

What happened : On XX/XX/year>, I was wrongly charged {$400.00} by a hotel for a smoking fee. I did not smoke in the room. The charge was based solely on an automated smoke report that triggered around XXXXXXXX XXXX. and continued past XXXXXXXX XXXX., while I was asleep. I had showered and gone to bed earlier. No hotel staff ever entered the room or verified the alert. 

When I asked the front desk manager ( the only person Ive been allowed to speak to ), why no one came to the room, he said they do not have to physically verify it and only rely on the smoke report. Thats unreasonable, especially since smoke sensors can be triggered by non-smoking causes like steam or aerosol. 

I disputed the charge with Barclays, and they mishandled the process from the start : They misfiled the dispute as an altered amount instead of an unauthorized transaction. 

They denied it in a letter dated XXXX XXXX XXXX, but I was out of town for work and did not receive the letter until XX/XX/XXXX. 

I called immediately and was told the dispute would be reopened correctly. 

In XXXX, I found out it was never reopened. I called again and asked for a manager. 

A manager called once, on XX/XX/XXXX at XXXX XXXX, left a hard-to-hear voicemail with no direct callback number. 

When I called back, I had to start over. I was eventually told to send a written letter and assured it was not too late. 

I sent the letter via certified mail. 

Then on XX/XX/XXXX, I received a new letter ( dated XX/XX/XXXX ) again denying the dispute and now claiming its too late, despite all previous reassurances and delays being Barclays fault. 

This latest letter also again listed the charge incorrectly as {$390.00} instead of the correct {$400.00}, despite my previous corrections. 


The hotel has refused to let me speak to anyone other than the front desk manager, who told me flatly : > It goes no further than me. Whats done is done. 
Ive left multiple voicemails for the general and assistant managers none have responded. 

Now Barclays is threatening to report this charge to the credit bureaus if I dont pay it even though it remains disputed and theyre the ones who mishandled the process repeatedly over XXXX months. 


I have been traveling for 26 years for business and have stayed in thousands of hotel rooms during that time. I have never smoked, never vaped, and have never once been accused of doing so or charged a smoking fee until now.

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 2025-06-29 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:
Some accounts listed on my credit report are unfamiliar and were never authorized by me, indicating potential identity theft. Ive previously contacted you about this, and Im now asking for these accounts to be removed from my report immediately. This issue has been very stressful, as the accounts dont accurately reflect my credit usage or financial behavior. Its been a difficult situation, and I am prepared to pursue legal remedies to address it. These errors are significantly affecting my financial goals, including buying a house and supporting my family. I trust we can resolve this swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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: IA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$470.00} INQUIRY - XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My Identity was stolen and used to obtain a student loan with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My Identity was stolen and used to obtain a student loan with 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My Identity was stolen and used to obtain a student loan with 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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
When consumers did manage to get errors taken off their reports, the CFPB alleges that XXXX  illegally put back, or reinserted, the inaccurate information on their reports.

Company response to consumer: Closed with explanation