vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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

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 2025-11-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 submitting this complaint because multiple fraudulent accounts, late payment records, a collection, and unauthorized XXXX inquiries were added to my credit report as a result of identity theft. 
I filed an official FTC Identity Theft Report ( FTC Report Number : XXXX ), which is attached along with my ID, XXXX, proof of address, and complete credit reports. 

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block all identity-theft-related information within XXXX business days once the identity theft report is submitted. 

The following items are fraudulent and must be blocked and removed : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Accounts ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX XXXX XXXX ) Unauthorized XXXX inquiries from XXXX ( XX/XX/year> ) and XXXX  XXXX  ( XX/XX/year> )XXXX XXXX XXXX  These items were not opened or authorized by me and are harming my ability to obtain credit. I have provided all required documentation, and I am requesting immediate blocking and deletion as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
Make certain disputed accounts are removed in a timely and lawful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Soc : XXXX Phone : XXXX XX/XX/XXXX XXXX. CFPB Complaint Charge-off Complaint Statement : I am filing a complaint against Ally Financial regarding an inaccurate charge-off reporting on my credit file. 
The account ending in XXXX was reported as a charge-off in XX/XX/XXXX, but this is incorrect because the balance was paid by insurance. XXXX XXXX has failed to update the status to reflect the correct balance and resolution of the account. 
I disputed this directly with the company, but they have not corrected the inaccurate reporting. I am requesting that the CFPB require XXXX XXXX to complete a full investigation and update all credit reports to accurately reflect that the account was paid and should not be reported as an active charge-off XXXX. CFPB Complaint Unpaid Collection I am filing a complaint regarding an inaccurate collection account reported by Credit Collection Services XXXX XXXX XXXX. 
The collection shows a balance of {$190.00} appearing on my report around XX/XX/XXXX but the reporting is inaccurate. The information being reported does not match the actual account details, and I have not received proper validation from the company. I attempted to dispute the information directly but Credit Collection Services did not correct the inaccurate reporting. I am requesting the CFPB require the company to provide full validation of the debt including original charges and proof it is mine. If the company can not provide proper documentation. I am requesting removal of the account from all three credit reporting agency 3. CFPB Complaint Incorrect Late Payments ( XXXX XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX regarding inaccurate late payment reporting. The account ending XXXX is being reported as 30 days late for XX/XX/XXXX and XX/XX/XXXX, but this is incorrect XXXX added a {$15.00} late fee and misapplied my payment, causing their system to show the payment as late even though I made a regular payment. I disputed this directly with the company, but they failed to correct the inaccurate late payment reporting. I am requesting the CFPB require XXXX XXXX XXXX to investigate, correct the misapplied payment, remove the inaccurate late payment marks, and update all credit reports accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXXXXXX XXXX XXXXXXXX XXXX Opened Date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid my Capital One credit card down to a {$0.00} balance on XX/XX/XXXX. XXXX days later, on XX/XX/XXXX, Capital One charged me {$54.00} in trailing interest even though my balance was already showing as paid off. I paid the full statement balance and brought the account to {$0.00}. This has never happened before. I contacted customer service and a supervisor, but they refused a courtesy adjustment and told me there were no further escalation options. I am requesting a review and correction of the trailing interest charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Reference : Previous CFPB Complaint XXXX XXXXXXXX ( Closed prematurely due to an incorrect company response ) I am filing this complaint because the company provided an inaccurate and misleading response to my prior complaint by stating that there may be potential fraud involved. I want to clarify that I have never reported fraud, and the company has provided no evidence of fraud. Their statement appears to be a deflection to avoid properly investigating and correcting the inaccurate information they are furnishing to the credit bureaus.

This dispute is about material inaccuracies being reported to Experian, Equifax, and TransUnion regarding an XXXX account. The information furnished is inconsistent and unverified : High Credit Limit : Experian : {$470.00} TransUnion : {$470.00} Equifax : {$300.00} ( correct amount ) Account Status : All three bureaus report the account as Current, even though the account is closed. 

Late Payment Dates : Each bureau reports different late payment months that contradict each other : TransUnion : XXXX XXXX Experian : XXXX XXXX Equifax : December 2020/January 2021 These differences make it impossible for the information to be accurate. 

I initially disputed this directly with all three credit bureaus on XX/XX/XXXX, and also attempted to contact the furnisher directly but received no verification or documentation supporting the reported information. 

Instead of addressing the inaccuracies, the company responded to my previous CFPB complaint by falsely suggesting possible fraud, which is unrelated to the dispute and not supported by any evidence. This prevented the issues from being properly investigated and caused the complaint to be closed without resolution. 

Under the Fair Credit Reporting Act, furnishers are required to : Ensure maximum possible accuracy ( FCRA 602 ( a ) ) Provide documentation verifying all information they report ( FCRA 609 & 623 ) Conduct a reasonable reinvestigation when information is disputed ( FCRA 611 ) The company has failed to meet these obligations.

I am requesting that the CFPB : 1. Require the company to provide documentation verifying all information they are reporting about this account ; OR 2. If they can not verify the information, require deletion under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ; 3. Review the companys use of potential fraud as a non-responsive tactic that interfered with the dispute process.

This is not a duplicate complaint. This is a continuation due to the companys improper and misleading response that resulted in the previous complaint being closed without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 requesting that Equifax fully reinvestigate the following accounts, including any inquiries and late payment entries. Some of the items on my report appear to be inaccurate or unverifiable. 

CHARGED OFF XXXX XXXX  XXXX, XX/XX/year>, {$3300.00} XXXX request verification of the following : Balance amount Charge-off date Account ownership If this account can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-17 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 want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IL

Complaint narrative:
They call me XXXX times daily on a loan i am not on. I have told them every time they call I do not know who they're calling about and to stop calling me. They do not. I have told them to put me on a do not call list and they do not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I accidentally sent {$1000.00}. There wasnt enough money in my cash app account so it was taken from my XXXX linked account. She sent the money back within 10 minutes and all of a sudden my bank account was switched to a XXXX account that wasnt mine. I had a dispute with them that ended today XX/XX/XXXX but no resolution was made and neither they or XXXX will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
For the past several weeks, I have repeatedly attempted to contact Security Credit Services regarding a disputed debt. The company does not answer the phone consistently, and when calls are answered, representatives often hang up on me before assisting. XXXX clerk in particular has been extremely unprofessional, and no manager has been able or willing to answer very basic questions. Communication with this company is almost impossible.

After weeks of trying, I finally reached a manager who stated that the debt would be removed once I provided my FTC identity theft report, police report, and identification. I sent all required documents as instructed. Despite this, more than XXXX months have passed with no update, no resolution, and no returned phone calls. The manager also promised to call me back the same day or the following day, and that never happened.

Security Credit Services has failed to follow through on their written statements, has not communicated in good faith, and has caused significant and unnecessary delays in resolving this matter. I am requesting CFPB assistance to get a proper response, verification, and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Re : Illegal Credit Reporting Practices by LVNV Funding LLC To Whom It May Concern : I am filing a formal complaint against LVNV Funding LLC for multiple violations of the FCRA and FDCPA based on their reporting of collection accounts on my credit reports. 
1. LVNV is reporting collection accounts as newly open or active On my XXXX  report, LVNV Funding accounts appear with recent open dates, such as in XX/XX/year>, although I never opened an account with them. 
A debt buyer is prohibited from reporting a collection as if it were a newly established credit line. 
This misrepresentation violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
2. False monthly payment history / payment descriptors XXXX is reporting continuous monthly activity, showing false scheduled payments, past due amounts, or monthly entries implying that I am missing payments on an active credit account. 
This practice artificially re-ages the debt by making it appear current and ongoing. 
Collections do not have monthly payment obligations unless I have a payment agreementwhich I do not. 
This is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FDCPA 807 ( 8 ) false credit information 3. Incorrect and manipulated Date of First Delinquency ( DOFD ) My reports show recent DOFD dates that do not match when the original accounts became delinquent.

Re-aging a debt to extend its reporting period is strictly prohibited under FCRA 623 ( a ) ( 5 ). 
XXXX repeatedly updates dates in a manner inconsistent with the actual timeline of the underlying debt. 
4. Failure to validate debt I have repeatedly requested validation, but XXXX has not provided : Original creditor information The true Date of First Delinquency Proof they own the debt Proof that I opened any account connected to the alleged obligation Instead, they continue to report derogatory information without verification, violating FDCPA 809 ( b ) and FCRA 611.

Requested Action I request the CFPB investigate LVNV Funding LLC for : Re-aging debts Reporting collections as newly opened accounts Misrepresenting payment history Failing to validate debts Furnishing inaccurate credit information Please require removal LVNV entries.

Company response to consumer: Closed with explanation