vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I paid our XXXXXXXX XXXX XXXX XXXX manually. The next day, {$310.00} was also pulled from our VyStar account via XXXX XXXX. XXXX confirmed that refund was issued. However, we were on the phone with both VyStar and XXXX on XX/XX/XXXX when a second refund was processed without our request or authorization. XXXX stated this refund was based on previous conversations, but we never asked for any additional refund, and there is no record showing we did. 

XXXX had multiple back-and-forth conversations with both companies. VyStar confirmed XXXX refund but says they can not locate or explain the other. XXXX now claims we owe {$630.00} ( {$310.00} x XXXX ) and will cancel our policy on XX/XX/XXXX if its not paid. Weve been provided conflicting information from both parties, spoken with multiple representatives and supervisors, and still have no money returned. 

XXXX continues to show a past-due balance from a payment that we already made, while VyStar has only just agreed to refund the most recent {$310.00} pulled on XX/XX/XXXX. The original refund from XX/XX/XXXX still has not been traced. This situation has caused major financial strain, and the complete lack of transparency and accountability between these XXXX institutions is unacceptable.

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 monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am writing to file a formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding ongoing inaccurate and inconsistent reporting of a XXXX account across all three credit reporting agenciesTransUnion, Experian, and Equifax. 

Despite having submitted XXXX disputes to each of the three credit bureaus, the account continues to be updated and verified without resolving several critical inconsistencies. This behavior directly violates FCRA requirements mandating the accuracy and completeness of information furnished to consumer reporting agencies. 


Details of the Disputed Account : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Credit Card Status : Derogatory Collection/Charge-off Balance : {$4600.00} Past Due : {$4600.00} Monthly Payment : {$0.00} Credit Limit : TransUnion and Experian : {$5500.00} ; Equifax : {$0.00} High Credit : TransUnion : {$4600.00} XXXX Experian : {$0.00} ; Equifax : {$4600.00} XXXX Opened : TransUnion : XX/XX/XXXX ; Experian & Equifax : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date XXXX Active : TransUnion : XX/XX/XXXX ; Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date of Last Payment : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Inconsistencies Noted : Opening Date differs among bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Credit Limit is reported as {$5500.00} by TransUnion and Experian, but Equifax lists {$0.00}.

High Credit is reported as {$4600.00} by TransUnion and Equifax, but Experian lists {$0.00}.

Date Last Active and Date of Last Payment are inconsistent across all three agencies.

Comments and Account Status vary : TransUnion states Charged off as bad debt ; Dispute resolved Experian states Account was in dispute now resolved ; Unpaid balance reported as a loss Equifax states only Charged off account Credit Card These discrepancies clearly violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, repeated verifications without proper correction or reconciliation of data across agencies are in violation of 1681i ( a ) regarding the reinvestigation of disputed information.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding ongoing inaccurate and inconsistent reporting of a XXXX account across all three credit reporting agenciesTransUnion, Experian, and Equifax. 

Despite having submitted XXXX disputes to each of the three credit bureaus, the account continues to be updated and verified without resolving several critical inconsistencies. This behavior directly violates FCRA requirements mandating the accuracy and completeness of information furnished to consumer reporting agencies. 


Details of the Disputed Account : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Credit Card Status : Derogatory Collection/Charge-off Balance : {$4600.00} Past Due : {$4600.00} Monthly Payment : {$0.00} Credit Limit : TransUnion and Experian : {$5500.00} ; Equifax : {$0.00} High Credit : TransUnion : {$4600.00} XXXX Experian : {$0.00} ; Equifax : {$4600.00} XXXX Opened : TransUnion : XX/XX/XXXX ; Experian & Equifax : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date XXXX Active : TransUnion : XX/XX/XXXX ; Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date of Last Payment : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Inconsistencies Noted : Opening Date differs among bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Credit Limit is reported as {$5500.00} by TransUnion and Experian, but Equifax lists {$0.00}.

High Credit is reported as {$4600.00} by TransUnion and Equifax, but Experian lists {$0.00}.

Date Last Active and Date of Last Payment are inconsistent across all three agencies.

Comments and Account Status vary : TransUnion states Charged off as bad debt ; Dispute resolved Experian states Account was in dispute now resolved ; Unpaid balance reported as a loss Equifax states only Charged off account Credit Card These discrepancies clearly violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, repeated verifications without proper correction or reconciliation of data across agencies are in violation of 1681i ( a ) regarding the reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Please provide Forward flow agreement, debt validation, original document with dates and amounts owed with my signature. You have XXXX days to respond. Remove negative items from all XXXX credit bureaus. Fcra law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section XXXX of the FCRA ( XXXX U.S.C. 
XXXX ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX XXXX 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 XXXXB 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
Im formally requesting that you certify that every piece of data tied to this account truly and fully belongs to me. That means full verification not assumptions, not partial matches, but complete accuracy down to every detail.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have called the office and spoke with the manager about harrassing phone calls and have also asked for written correspondence regarding my account. Once in XXXX, and XXXX and have not received anything but phone calls. I can not answer calls or call back and have made this let the office manager know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt has been deleted twice from my credit profile. This company is committing furnisher abuse which is illegal under federal law. I am not aware of who I owe debt to.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX : Account number : 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXXXXXX 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX continues to report inaccurate as well as unauthorized " personal information & transactions '' on my XXXX  Consumer report despite my demand for the Company to validate the debt in an investigation that shows actual proof of my authorization. This is a direct violation of 15 USC 1681b & 1s2a.

XXXX also placed an unauthorized fraud alert on my account without correcting the problem, denied reporting these things while I have and share proof that it indeed is.

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