vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate information reported on my credit file by certain creditors, which has negatively affected my creditworthiness. Despite my efforts to correct these errors directly with the creditors, the inaccuracies remain unresolved. 

Specifically, the errors are as follows : Addresses listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( my correct address ) is being misrepresented. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX is incorrectly reported. I have never resided at this address. 

XXXX XXXX ( Account XXXXXXXX XXXX XXXX XXXX  Reported as having a late payment with a high balance of {$1200.00}, Date Opened : XX/XX/2019. I dispute this late payment as inaccurate. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Reported as having a late payment with a high balance of {$1100.00}, Date Opened : XX/XX/2019. I have never made any late payments on this account ; this history is false. 

These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

I am requesting the CFPBs assistance to ensure : Immediate investigation into the accounts listed above. 

Correction or deletion of the inaccurate late payment entries. 

Updating of my address to reflect my correct and current residence. 

I have attached supporting documentation, including proof of my correct address and account statements confirming my payment history. 

I respectfully request prompt action on this matter to prevent further harm to my credit profile. 

Thank you for your attention and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding an LVNV Funding account that is being reported on my credit report. The account details are : LVNV FUNDING  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$730.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge of this account and have never opened or authorized any credit or collection account with LVNV Funding. This account appears to be inaccurate or reported in error. I request that the CFPB investigate this matter and require the furnisher to provide proper validation and documentation proving that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I sent XXXX dispute letters to TransUnion, expressing specific problems and errors in their reporting. 
In addition to the letter, I submitted a copy of where on the report there was an error, with highlighted areas and arrows to show exact places of error. 
I paid {$45.00} at the post office to have each letter notarized. 
I included a copy of my drivers license, front and back! 
I included the last XXXX digits of my social security number. 
I personally signed every letter with my hand-written signature. 
I submitted the first and/or last XXXX digits of the account numbers, to specify the account with an error. 
Transunion responded by sending me XXXX post card letters, dated XXXX days apart ( XX/XX/year> and XX/XX/year> ), stating that they will not be processing my disputes. 

So I called them and demanded that they continue to dispute the letters that came from me. Of the XXXX letters submitted, they have " XXXX '' in their system, according to the customer service agent I spoke with on XX/XX/year>. The rep wouldn't transfer my call to a XXXX, nor could she confirm or validate that TransUnion is working on resolving these disputed matters. 

This is horrible. This specific credit union has egregious errors across my credit report, different from the other XXXX credit bureaus, and now they're blocking my ability to have these errors fixed. Even though I've submitted enough information for them to know that I am the

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 2025-11-06 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 accuracy of several accounts listed on my credit reports from XXXX, XXXX, and TransUnion. Below are the details of the accounts that I believe contain inaccuracies and require further investigation. 


Charged Off Accounts : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-06 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:
I am submitting a dispute regarding the following items on my Experian credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  Accounts : None listed. 

Inquiries : XXXX XXXX, XX/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 explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-06 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX cases of unauthorized debit card transactions on my checking account ( debit card ) over XXXX consecutive months : XXXX, XXXX, and XX/XX/year>. Each time, there were numerous repeated transactions to a single merchant in a short window ( anywhere from XXXX days to XXXX weeks ). For the XXXX and XXXX incidents, I filed claims and received provisional credits from the bank within XXXX business days, with no issues. 

For the third incident in XXXX, I filed my claim on XX/XX/year>, and informed the bank that my phone had recently been compromised by remote access malware, which could explain the fraud. The agent, however, did not seem to consider this and only asked the standard questions before submitting my dispute. Unlike the earlier claims, I did not receive a provisional credit promptly. Instead, I was told the bank could take up to XXXX business days. 

On XX/XX/XXXX, I received a denial notice regarding my claim. This was surprising since this time I could actually provide documentation about what happened, but I was never asked for it before a decision was made. I called to appeal and was told to fax in my evidence, which I did. My claim was reopened and the status was updated to " researching, '' but I was informed the provisional credit timeline no longer applied for reopened claims, and the review could now take up to XXXX  days. 

I have repeatedly requested, both by phone and fax, for provisional credit due to financial hardship, to no avail. The most the phone agents can do is notate the claim with my request and auto-replies are sent in response to my faxes. This automated response pattern suggests that my requests are not being reviewed by an actual person. As a result, XXXX left waiting for a resolution while the bank holds my funds and I deal with financial hardship during the government shutdown. I believe the bank mishandled my claim by denying it without first requesting documentation or allowing me the opportunity to submit documents. Had they asked or provided the fax number earlier, I would have submitted evidence right away, resulting in an extended review of the claim ( confirmed by the bank 's actions upon receiving the documents ). The bank would have then been obligated under XXXX  regulation to issue a provisional credit on the XXXX business day.

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 2025-11-06 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: IN

Complaint narrative:
I am disputing the following charged-off accounts that appear on my Experian credit report. I respectfully request that these accounts be investigated for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified or validated, I request that these accounts be removed. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Subject : Dispute of XXXX Account and Unauthorized Inquiries XXXX. Charged-Off Account XXXX XXXX XXXX ( XXXX  ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} I am disputing the accuracy of this charge-off. I do not believe this account is being reported correctly, and I request that TransUnion verify this information with the furnisher. 
If verification can not be obtained, please remove the account from my credit report per FCRA 611 ( a ). 

XXXX. Unauthorized or Questionable Inquiries XXXX XX/XX/XXXX ( XXXX separate entries ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries appear on my file without my knowledge or authorization. 
Please verify each with proper documentation of consent. If they can not be verified, remove them immediately.

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 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX  & XXXX ( XXXX ) continues to report an invalid {$14000.00} collection account to XXXX  and XXXX  without ever providing the legally required written notice of my right to dispute the debt before reporting. This is my third CFPB complaint regarding the same issue ( previous case numbers : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX has never produced any documentation showing they attempted to contact me before the tradeline appeared. Instead, their own letter dated XX/XX/year>, confirms that they sent a XXXX of XXXX only after the account was already reported to the credit bureaus, which violates FDCPA 809 ( b ). Their CFPB response on XX/XX/year>, merely restated the account balance and promised to resend verification but did not address or refute any part of the complaint. 

XXXX  has since deleted the tradeline after reviewing my documentation ( including a signed inspection report, photos, and correspondence proving the alleged debt was retaliatory and unsupported ). However, XXXX  and XXXX  continue to report it, causing ongoing damage to my credit and housing eligibility. 

This complaint requests CFPB oversight for XXXX  ongoing pattern of failing to provide timely written notice before credit reporting and verifying debts only after they appear on consumer credit reports. 

Attachments include XXXX XX/XX/year> letter, prior CFPB responses, and XXXX  deletion confirmation.

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 2025-11-06 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: PA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC
State: AL

Complaint narrative:
I applied for hardship assistance on XX/XX/2025, and received a denial letter on XX/XX/2025. I am a federal government employee currently on furlough, meaning I am not receiving any income. Despite submitting all the required documentation that clearly shows my financial hardship, my application was denied with the generic statement no imminent default. 

Nowhere in the program terms or communication does it state that being current on payments automatically disqualifies someone from hardship assistance. The companys decision ignores the fact that I am on furlough and temporarily unable to earn an income. I believe they did not properly review my circumstances or the supporting evidence I provided. 

This denial has caused unnecessary delay and XXXX. I followed every instruction, provided all documentation, and was transparent about my situation. Instead of receiving timely help, my application was denied for a vague reason, effectively wasting my time and leaving me without support during a financial emergency.

Company response to consumer: Closed with explanation