vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TN

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 non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX reported a XXXX  day late payment on my federal student loan which has severely damaged my credit score by XXXX points with XXXX  & Equifax Prior to this, I was told by a XXXX representative that I would be " brought current ' because I had no recollection of the payments being out of deferment -- no one explained that this meant they were applying a retroactive forbearance and that the late mark would still be reported. That is DELIBERATELY misleading and deceptive. 

If I had known that I would still be reported as late and penalized, I would have taken different action. XXXX failed to provide proper notice, failed to explain the consequences and misled me to think I was resolving the account. 

Now they are telling me " they cant do anything '' and that even if the loan was paid the derogatory marks will still stay on my credit and I should talk with a credit XXXX and try to get it removed ( some advice ). 

I am requesting that XXXX remove the XXXX  day late payment from all credit bureaus or delete the tradeline entirely, due to their failure to communicate clearly and fairly. I am also requesting an internal investigation into how that was handled. 

Under FCRA 623 ( a ) ( 2 ) XXXX is required to report accurate and complete information, and promptly correct or delete any information that is incomplete or can not be verified, The way this late payment was reported is both misleading and incomplete and their refusal to update or delete it is clear violation of their obligation under law. 

I was never notified properly of any upcoming payments because they didn't use the right info to contact me. Please Remove the late payments or DELETE the entire account. 
Respectfully, XXXX XXXX XXXX

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( XXXX Dept Of Ed XXXX ) XXXX reported a XXXX day late payment on my federal student loan which has severely damaged my credit score by XXXX points with Transunion & XXXX Prior to this, I was told by a XXXX representative that I would be " brought current ' because I had no recollection of the payments being out of deferment -- no one explained that this meant they were applying a retroactive forbearance and that the late mark would still be reported. That is DELIBERATELY misleading and deceptive. 

If I had known that I would still be reported as late and penalized, I would have taken different action. XXXX failed to provide proper notice, failed to explain the consequences and misled me to think I was resolving the account. 

Now they are telling me " they cant do anything '' and that even if the loan was paid the derogatory marks will still stay on my credit and I should talk with a credit specialist and try to get it removed ( some advice ). 

I am requesting that XXXX remove the XXXX day late payment from all credit bureaus or delete the tradeline entirely, due to their failure to communicate clearly and fairly. I am also requesting an internal investigation into how that was handled. 

Under FCRA XXXX ( a ) ( XXXX ) XXXX is required to report accurate and complete information, and promptly correct or delete any information that is incomplete or can not be verified, The way this late payment was reported is both misleading and incomplete and their refusal to update or delete it is clear violation of their obligation under law. 

I was never notified properly of any upcoming payments because they didn't use the right info to contact me. Please Remove the late payments or DELETE the entire account. 
Respectfully, 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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank first froze my credit card Friday XX/XX/XXXX, I called in multiple times to get this fixed but was instructed that a department that put the freeze was not answering and to wait for a call. I never received a call. Then on Monday XX/XX/XXXX my debit card/checking account was frozen leaving me with no money as an XXXXXXXX XXXX  woman. I called and was given a name and number to the person who was handling my frozen account. I called multiple times left messages for XXXX XXXX and no answer. Went up to the chase bank in XXXX XXXX on Tuesday and they werent able to help me and couldnt reach XXXX XXXX either. It was a branch manager that helped me and she couldnt even reach this person. Finally on Wednesday at XXXX I was able to reach XXXX she stated she was home sick and went over transactions with me and my daughter who helps me. The call dropped and we tried contacting her again and have not heard back from her. Its Thursday and still no resolution and I have doctors appointments and have other things I need. Please help

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
FCO reported a collection account to my credit report even though we had an agreement in place. Initially, they only emailed and called me not mailed regarding the debt, and I didnt think much of it at first because the tone of the call was threatening. They said if I didnt pay, they would report the debt to the credit bureaus. I began paying but never received proper documentation, a receipt, or a clear statement of how much I owed. I was paying without transparency, and it started to feel like a scam. 

I contacted FCO asking for documentation to clarify what I was being charged for. The representatives were rude and harassing over the phone. I asked them multiple times to stop calling and emailing and instead mail me official documentation, which they claimed they couldnt do because they didnt have my address which was false, since I eventually received a letter from them. 

Even then, the letter didnt contain the information I requested. I told them I would pay {$500.00} if they agreed not to report the account to my credit report. They later sent a letter of agreement days after the date they claimed we had agreed, giving me no realistic time to pay the amount. 

I asked to pay by money order and requested a mailing address multiple times. They never responded with the address and instead went ahead and reported the account to collections for a different amount than we agreed upon. 

FCOs actions have significantly damaged my credit score and they have not operated in good faith. I am requesting that this account be removed from my credit report and that FCO be held accountable for failing to communicate clearly, provide documentation, and honor our agreement.

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: 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I requested this company to provide me with their surety bond number to investigate the legitimacy of this 3rd party debt collection company to confirm if they are legally able to collect my personal consumer information and report of my credit, as well as confirm if this legally operating under XXXX XXXX XXXX, specifically XXXX XXXX, which regulates debt collection practices in the state of XXXX. And this company has NOT and will not provided and information regarding their XXXX XXXX XXXX under Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 

( c ) The bond must be in the amount of {$10000.00}. 

ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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: 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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: 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I DO NOT OWE DEBT - I RECEIVED A DEBT COLLECTION TEXT AT XXXX ( EST ) ON BEHALF OF WHAT APPEARS TO BE AN ATTEMPT FOR DEBT COLLECTION FOR MY FATHER ( XXXX XXXX XXXX - IT IS ILLEGAL TO TRY AND CONTACT A FAMILY MEMBER FOR AN ATTEMPT TO COLLECT DEBT. AGAIN, IT'S NOT MY DEBT, IT APPEARS TO BE MY FATHERS, THEY EVEN USED MY FATHERS NAME IN THE TEXT

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-26 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:
I opened a XXXX XXXX account which was later compromisedmy credit card was stolen or cloned and used to make unauthorized purchases. I reported the fraud and submitted a police report and FTC Identity Theft Affidavit. I attempted to resolve the issue with all three credit reporting agencies ( Experian, Equifax, and TransUnion ), but each has failed to process the dispute properly or provide a functional means to resolve the matter. 

Experian acknowledged the dispute but rejected it citing minor issues with the police report. I corrected the issue and re-uploaded documents, but was not provided further acknowledgment, while no fax they have an online uploading portal. Equifax blocks me from uploading any supporting documents if a dispute is already open, preventing correction or escalation and has shut down fax option. TransUnion has shut down its fax service, has not acknowledged the certified mail dispute I sent, and their online system has been broken for weeksreturning error messages and not allowing login or uploads. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 605B, which requires the CRAs to block identity theft-related information within 4 business days of receiving a valid report and affidavit. I have complied with all required steps, yet the account remains on my reports and continues to harm my credit and cause financial stress. 

Im asking for CFPB intervention to compel the CRAs to accept and process my documentation, block the fraudulent activity under FCRA 605B, and confirm removal in writing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX collection accounts being reported by XXXX XXXXXXXX XXXX on my TransUnion credit report, referencing : XXXX XXXX  {$560.00} balance XXXX XXXX XXXX {$480.00} balance On XX/XX/year>, I issued a formal dispute under FCRA 609, requesting verification and legal documentation for both accounts. My letter specifically requested : A copy of the original signed credit agreements A full itemized breakdown of all charges and balance history Documentation showing XXXX XXXX XXXX has legal authority to collect and report these accounts Confirmation that fraud alert protocols were followed, as I have an extended fraud alert in place To date, no documentation has been provided, and neither XXXX XXXX nor TransUnion has responded to my dispute with any form of verification. 

These accounts were clearly charged-off and sold, yet XXXX  XXXX continues to report them as valid collections. I have no direct relationship with XXXX XXXX and did not authorize any such account. Their failure to respond constitutes a direct violation of my rights under : FCRA 609 Failure to provide verification FCRA 611 Failure to delete inaccurate or unverified information FCRA 605A Failure to honor and act in accordance with a fraud alert Harm and Impact : The presence of these collections has negatively impacted my credit score I have been denied credit opportunities and forced to defend myself against unsubstantiated reporting This has resulted in emotional and financial stress that could have been avoided with compliance Requested Remedy : I am requesting the immediate removal of both XXXX  XXXX XXXX accounts from my TransUnion credit report due to : Lack of verification Absence of original documentation Improper collection activity Violation of fraud alert protections and FCRA statutes Attached is my dispute letter dated XX/XX/year>, along with proof of identity and documentation supporting my claims.

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