vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I was going over my report after advice from my wife about needing credit, and discovered some accounts that do not belong to me as well as attempts to obtain credit. I have reached out to the companies with no response multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 was going over my report after advice from my wife about needing credit, and discovered some accounts that do not belong to me as well as attempts to obtain credit. I have reached out to the companies with no response multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies in my credit report as provided by the three major credit bureaus. I am a consumer working to correct my credit, and I believe the following accounts are being reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$530.00} This account is inaccurately reported and should be corrected. 

XXXX XXXX XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$16000.00} This account is being reported incorrectly and I request that it be corrected or removed. 

XXXX XXXX XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} The reporting of this account is erroneous, and I request it be corrected. 

Inquiries : XXXX, Date : XX/XX/XXXX This inquiry is incorrectly reported. Please remove it from my credit report. 

XXXX XXXX XXXX, Date : XX/XX/XXXX This inquiry is incorrectly reported. Please remove it from my credit report. 

Late Payments : XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX These late payments are inaccurately reported and I request verification or removal of the items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Data Breach XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : Equifax XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because LVNV Funding, LLC is reporting an alleged {$4500.00} collection account that appears only on XXXX, and after more than 60 days of disputes to both LVNV and XXXX  I have not received a single document verifying anything they are reporting. LVNV has not provided the original contract, no itemized statements, no payment history, no proof of assignment, no chain of title, and no legal evidence that they own this debt or have authority to furnish it. Instead, they simply marked the account as verified through automated e-OSCAR coding while refusing to produce the legally required validation under FDCPA 1692g ( b ) or the verification required under FCRA 611 and 623. I researched LVNV on my own and found that this is not an isolated issue : courts have documented that LVNV and its affiliate Resurgent Capital have been involved in tens of thousands of lawsuits for the exact same behaviorpurchasing old charged-off debts, reporting them without proof, and pursuing collection without documentation. One publicly available Massachusetts case even noted that LVNVs agent filed over 18,000 lawsuits in just a five-year period, and federal cases show repeated allegations of LVNV reporting debts with no evidence they were ever assigned the accounts. This shows a clear, well-established pattern of failing to maintain documentation, failing to verify debts, and continuing to furnish inaccurate information. That pattern is now happening to me : LVNV has not validated this alleged debt in any capacity, yet continues to report it to XXXX, harming my credit with information they can not legally substantiate, I will pursue legal action and I'm excited to see your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My account had a XXXX balance not negative but XXXX balance. Before the period of time for time they gave before closure I had a pending deposit that they decided to not post to the account and which was a paycheck that they later mailed me a check for weeks later because of the account closure. After that, I reopened another account, but they had already restricted the type of account that I could have so that was already a problem, but then I get an email stating like to upgrade my account back to what it was only to be told that I cant. So basically Im being misinformed by Chase in two different formats. And being told that I cant get help via the phone which is explicitly in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of birth : XX/XX/XXXX SSN : XXXX ID Type : DLs ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the bank account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer Report immediately! Ive attached a copy of the report to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON.

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES.

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Kindly check the attached materials ; the questions appeared unexpectedly and could be unapproved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions on my Truist checking account and Truists failure to follow federal law under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

Between XX/XX/year> and XX/XX/year>, multiple unauthorized debit card transactions, PIN-based purchases, ATM withdrawals, and XXXX payments were made without my knowledge or consent. I did not authorize any of these transactions and I did not give my card or PIN to anyone.

I reported the fraud to Truist on XX/XX/year>, which is well within the 60-day timeframe required under Regulation E 1005.6 ( b ). These transactions first appeared on my XX/XX/year> statement. Reporting on XX/XX/XXXX is within the legally required 60 days. 

Truist opened a dispute ( reference number XXXX ) but did not provide any timeline for resolving the claims, did not provide evidence of authorization, and did not issue a provisional credit.

Under Regulation E 1005.11 ( c ), if a bank can not complete its investigation within 10 business days, it must issue provisional credit for the disputed amount while the investigation continues. Truist has not done this.

I requested information about the investigation, how the transactions were determined to be authorized, and when provisional credit would be issued. Truist did not provide these answers. I asked for documentation and was only told the case was under review.

I am requesting CFPB assistance to : 1. Ensure Truist complies with Regulation E requirements.

2. Require Truist to issue the provisional credit for the disputed transactions.

3. Require Truist to provide documentation showing how they determined any transactions to be authorized.

4. Ensure my fraud dispute is handled properly and fairly.

I simply want the unauthorized transactions refunded according to federal law.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
XX/XX/2025 the payment was due. The customer service agents made it really difficult to pay off the loan in full. Kept giving me the runaround about my scheduled payment when I said I wanted to pay it in full. Making it seem like I had XXXX separate payments. Nothing made sense with them. I was on hold for over an hour so I finally hung up and called back and got another agent that was able to help me without further delay. It seems like they work under these confusing tactics to gain more money out of the customer making it difficult to make payments. I will not be using them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 2025-11-14 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: PA

Complaint narrative:
Credit Dispute and Cease Paid-Off Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Paid-Off Auto Loan Account # ( XXXX ) I am formally disputing the validity of any current balance or claim regarding the above-referenced auto loan account. This loan has been paid in full as of [ XX/XX/XXXX ], and I have documentation confirming the payoff.. Despite this, my credit report still shows late payment history and/or a negative status for this account. This information is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only complete and accurate data.

I am requesting the following : 1. Cease all collection activity related to this account.

2. Cease all communications with me regarding this account, except to confirm that collection efforts have stopped or to provide requested verification.

3. Correct or remove any inaccurate information from my credit reports that indicate a balance, delinquency, or open status for this loan.

Please provide written confirmation that this matter has been resolved and that no balance remains due. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
Credit Dispute and Cease Paid-Off Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Credit Reporting Paid-Off Auto Loan Account # ( XXXX ) I am formally disputing the validity of any current balance or claim regarding the above-referenced auto loan account. This loan has been paid in full as of [ XX/XX/XXXX ], and I have documentation confirming the payoff.. Despite this, my credit report still shows late payment history and/or a negative status for this account. This information is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only complete and accurate data.

I am requesting the following : 1. Cease all collection activity related to this account.

2. Cease all communications with me regarding this account, except to confirm that collection efforts have stopped or to provide requested verification.

3. Correct or remove any inaccurate information from my credit reports that indicate a balance, delinquency, or open status for this loan.

Please provide written confirmation that this matter has been resolved and that no balance remains due. 

Sincerely, 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 2025-11-14 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: IL

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 2025-11-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

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 response to consumer: Closed with non-monetary relief