vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: KY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
While XXXX  for a few years my information was used fraudulently and Ive provided court documents to prove Im not responsible however debt collectors want stop contacting me and my credit report has these delinquent accounts stopping me from moving forward!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Equifax, TransUnion, Experian, and XXXXXXXX XXXX XXXX I am disputing a charged-off account from XXXX 's XXXX listed on mhy credit report. The account shows a charge-off status and is marked as " Profit and Loss Write-Off. '' However, I have never received a 1099-C form, which is required if the company claimed the debt as a tax loss. 

The balance of XXXX is still reporting, which is misleading if the company already charged off the debt and wrote it off for tax purposes. Under IRS rules, a 1099-C should be issued to the consumer, and uinder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers are required to report accurate and complete information.

I requested proof from the company, but have not received any documentation verifying the balance or the tax status of the account. This account is damlaging my credit, and I'm asking for either : 1. Verification that the debt is still legally valid and collectible ( with supporting documentation ), or 2. Immediate delegtion of the account from all credit reporting agencies due to incorrect reporting and failure to provide a 1099-C

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
A debt collector added a debt to my credit report that was false. The original creditor was an apartment complex I lived for numerous years. I somehow owed {$2100.00} for regular wear and tear to an apartment. I kept the apartment very clean and in a good shape. I still have pictures and videos from move out date along with all maintenance records. So this was a false violation that the debt collector took on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I am not liable for this debt with VANCE & HUFFMAN LLC I do not have nor have I ever had a contract with this company This company did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am filing this complaint because Spring Oaks Capital is illegally re-aging a collection account they purchased from XXXX XXXX. I am not disputing the debt is mine. 

They list the " date opened '' as XX/XX/XXXX, but this is not the date of original delinquency- it's the date the debt was purchased. The account is also updated regularly, most recently on XX/XX/XXXX, causing it to appear as a newer debt. This violates the Fair Credit Reporting Act ( FCRA ), Section 605 ( c ), which states that a collection account must be reported based on the original date of default, not the date it was purchased or updated.

They failed to report the XXXX, and my credit reports continue to show recent updates, even though the original debt is older. I previously disputed this through the CFPB, but the company only verified that the debt is mine, not whether it's being reported accurately or lawfully.

I am requesting that this account be investigated for illegal re-aging practices and either be corrected to reflect the original delinquency date or removed entirely if that date can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Equifax for its ongoing failure to remove outdated and inaccurate information from my credit report, despite previous disputes submitted under my rights as provided by the Fair Credit Reporting Act ( FCRA ).

Specifically, I have requested that Equifax remove the following items from my credit file : Old or incorrect names that are no longer associated with my identity Previous addresses that are outdated and no longer relevant to my credit profile Late payment entries that I believe are either inaccurately reported or unverifiable Despite submitting these disputes and providing supporting documentation, Equifax continues to report this incorrect and damaging information. This failure to correct or delete inaccurate data constitutes a violation of the FCRA ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies investigate disputes and remove information that can not be verified.

This misinformation is negatively impacting my creditworthiness and potentially exposing me to identity confusion or fraud.

I respectfully request that the CFPB : Investigate Equifaxs failure to correct or delete inaccurate and outdated personal and credit information Ensure that Equifax complies with its obligation to report only accurate and verifiable information Compel Equifax to remove all unverifiable and incorrect names, addresses, and late payment entries from my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple accounts and hard inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to. These do not belong to me and are the result of identity theft. This situation has caused me significant emotional distress and continues to impact my financial well-being. I have tried contacting the credit bureaus, but no proper resolution has been offered. The fraudulent accounts include a credit card opened in XX/XX/XXXX, a child support entry from XX/XX/XXXX, another credit card from XX/XX/XXXX, and an auto loan from XX/XX/XXXX none of which are mine. Additionally, my credit reports show a series of unauthorized hard inquiries throughout XXXX and XXXX by various companies, including financial institutions, credit agencies, and car dealerships. These inquiries further confirm that someone has used my identity without my consent. I urgently need all of these accounts and inquiries to be investigated and removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 CXXXXe XXXXB 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 ( XXXX ) 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
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX is a registered XXXX of PNC Bank XXXX XXXX, XXXX, PA ), who operated my merchant account through XXXX XXXXXXXX XXXX XXXX abruptly closed my merchant account, withheld my final payout, and subsequently added my profile to the XXXX list. I was never contacted in advance, nor was I given any opportunity to provide documentation, supporting records, or clarification before this decision was made. I have made repeated attempts to reach out through XXXXt to appeal this decision and requested the opportunity to submit full supporting evidence, including : Invoices for each transaction Shipping labels and tracking numbers Direct customer contact information for verification Despite my outreach and willingness to cooperate, XXXX XXXX never responded to my inquiries, and to this day has not provided an explanation or demonstrated that any proper due diligence was conducted. While I fully respect XXXX XXXX right to cease business with any merchant at their discretion, placing my profile on the XXXX list without contacting me or reviewing any documentation is both damaging and unjust. This has significantly harmed my ability to operate my business, as other payment processors have denied me service due to this listing. I respectfully request that this matter be investigated and that XXXX XXXX be required to initiate the removal of my profile from the XXXX  database if no wrongdoing was ever verified. I am fully committed to cooperating and will immediately provide all documentation needed to resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: SC

Complaint narrative:
I am filing a complaint against U.S. Bank ReliaCard regarding their unreasonable denial of access to my funds. My account was frozen due to a flagged refund transaction, and despite providing the requested documentation multiple times ( including clear, legible receipts and order confirmations ), they have continued to block my access. 

I have called, faxed, and submitted documentation as instructed. Each time, I am told there is an issue ( e.g. blurry receipts ) despite my efforts to provide clear information. They are now not answering my calls, and I have been left without access to my own money, causing significant hardship and stress. 

I spoke to XXXX and XXXX on XX/XX/scrub> 2025. And XXXX on XX/XX/year>2025.

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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC

Complaint narrative:
XXXX XXXX insurance was due XX/XX/XXXX and invoice was uploaded to roundpoint mortgage to pay. 
I contacted roundpoint mortgage XX/XX/XXXX and XX/XX/XXXX to ask why XXXX wasn't paid. Yet I was told they did pay XX/XX/XXXX XXXX insurance. When I called and asked what address did they send the check to I was told it was in Texas. I said can you please look at the invoice that I have uploaded which clearly states it's to be sent to Ohio. There was no reasonable explanation from anyone at roundpoint mortgage as to who or why they sent a check to Texas but now the insurance is overdue and canceled. I spoke to XXXX Insurance asking if they could reinstate the policy and I could pay them directly they said no my property is no longer insurable through them because there is no carrier that will ensure Florida condominiums for flood in that area through them because Roundpoint never paid them through my escrow account as promised.

Company response to consumer: Closed with explanation