vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being submitted because Experian, Equifax, and TransUnion have all verified a XXXX  repossession account ( Account # XXXX, Balance {$23000.00} ) WITHOUT ever providing proper validation, documentation, or a lawful method of verification. I have disputed this account multiple times for over 90 days, and XXXX  response proves that none of the credit bureaus conducted a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ). XXXX sent me nothing but ( 1 ) a copy of the original contract, ( 2 ) several Notices of Intent to Accelerate, and ( 3 ) a generic payment ledger NONE of which verify the accuracy of a repossession or charge-off reported to the credit bureaus. None of these documents provide the Date of First Delinquency ( DOFD ), which is required by FCRA 623 ( a ) ( 5 ) ; none provide a charge-off calculation, which is required to prove balance accuracy under FCRA 607 ( b ) ; none provide itemized principal vs interest allocation ; none provide proof of ownership, chain of assignment, or Metro-2 compliant status codes ; and none provide the method of verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). A contract from several years ago does NOT validate a repossession, a charge-off, a balance, or the reporting accuracy. The credit bureaus were required to obtain and supply : the DOFD, the full itemized accounting ledger including how the final balance was calculated, the repossession sale documentation and deficiency explanation, all Metro-2 fields used when furnishing, the collector or lenders verification records, and proof of continued ownership. 
None of this was provided by any bureau, yet they marked the account verified, which is a blatant violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) because they are furnishing information they can not prove is accurate. The documents XXXX provided do NOT validate a repossession, and the credit bureaus accepting this as verification is unlawful. ALL THREE BUREAUS verified the account without verifying ANY of the information required by law. This is a pattern of improper reinvestigations, stall tactics, and inaccurate reporting consistent with the long history of lawsuits and federal enforcement actions against both the credit bureaus and XXXX for illegal practices. This debt has NOT been verified, and the credit bureaus are fully aware of what is required for lawful validation yet they ignored the law and reported it anyway.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has severely damaged both my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has been blatantly ignored these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I submitted a formal dispute letter to Equifax on XXXX XXXX 2025, regarding multiple inaccurate late payment entries reported on my credit file.

Despite citing violations under the Fair

Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equif
ax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On the dates and for the amounts listed below, as a XXXX XXXX XXXX senior citizen of West Virginia I was targeted and victimized by a fraudulent impostor scheme. The individuals perpetrating this scheme falsely identified themselves as representatives of Apple Pay, Truist Banks fraud prevention department, and the Federal Trade Commission ( FTC ) fraud unit. These imposters used false representations, deception and concealment of material facts, with the intent to defraud, to induceue me to make numerous credit charges, and bank withdrawals, resulting in the financial loss to me of {$7500.00} in cash, and causing {$21000.00} in fraudulent charges to the credit card companies On XX/XX/XXXX imposters claimed that my accounts had incurred charges exceeding {$11000.00} for alleged XXXX  XXXX sent to XXXX and asserted that my cell phone had been compromised. They manipulated me into believing that these transactions had already been approved and could not be reversed unless I took immediate action. On XX/XX/XXXX the XXXX agent imposter ( FTC ) said that my bank account funds were at risk by these hackers and that the government had secret ATMs around XXXX where he could protect my cash until they caught the hackers. He advised me to transfer all the cash funds available to me under my Truist Credit Card account ( {$5300.00} ) move it into my Truist Bank account where the remainder of my XXXX check, {$2000.00}, then withdraw XXXX in cash, and deposit cash into a XXXX ATM at XXXX XXXX XXXX. Truist bank failed to halt the fraudulent transactions despite red flags. which should have prompted a XXXX pause on my account to prevent thee loss.

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 2025-11-27 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint is regarding LVNV Funding LLC and the way this alleged debt is being reported to the credit bureaus, along with the original creditor and related furnishers. The same exact account is being reported as a charge-off multiple times under different names, all tied to the exact same account number and balance. Specifically, on my credit report I have : XXXX XXXX  Account # XXXX Charge-off {$160.00}, XXXX Account # XXXX Charge-off {$160.00}, and LVNV FUNDING LLC Account # XXXX Charge-off {$160.00} . This is one single debt, with one single account number, being reported three separate times as separate charge-offs. By law and under XXXX reporting standards, the original creditor may report a charge-off ; a debt buyer/collection company may report a collection for the same debt, but consumers must not be penalized with multiple charge-offs for the same account number and same balance. A third-party debt buyer like LVNV Funding LLC should not be reporting a fresh charge-off as if they were the original creditor after the account has already been charged off by the original lender. This constitutes duplicate negative reporting, inflates the appearance of my derogatory history, and violates FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known, or that should be known, to be inaccurate ), and FCRA 602 ( fair and accurate credit reporting ). I have disputed these accounts and requested proper validation and correction multiple times, but LVNV and the credit bureaus continue to leave all three versions on my credit file. LVNV has not provided any documentation that justifies reporting this as a charge-off instead of a collection, nor any explanation as to why the same account number appears multiple times under different names. This also raises FDCPA issues : attempting to collect by falsely representing the character and legal status of a debt is prohibited under FDCPA 1692e, and reporting the same debt multiple times with different labels is deceptive and unfair under FDCPA 1692f. Under XXXX, a purchased, previously charged-off debt should be reported as a collection tradeline with the correct status code, not as another separate charge-off that doubles or triples the damage on my file. LVNV Funding LLC and the related furnishers are not complying with these rules, and the credit bureaus are accepting and publishing clearly duplicative and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) has reported a fraudulent account to the credit bureaus based on unauthorized insurance enrollment and misrepresented account terms. The company added a {$190.00} XXXX XXXX fee and enrolled me in the XXXX XXXX XXXX XXXX without my informed consent. 

The insurance enrollment form ( attached ) shows no signature and no initials selecting a plan. The section where I was allegedly to sign to accept insurance is blank. XXXX also failed to provide required disclosures under the Fair Credit Billing Act ( XXXX ), Truth in Lending Act ( TILA ), and FCRA 1681s-2. 

I repeatedly disputed billing errors. Instead of investigating, XXXX continued to report the account as overdue. As shown in my credit screenshots, the account was reported XXXX  days late, 90 days late, and over XXXX  days late, with past due amounts from {$130.00} to {$200.00}. This inaccurate reporting has severely damaged my credit and caused direct financial injury. 

XXXX offered a goodwill settlement requiring me to waive liability, but they ignored the core issues : Unauthorized add-on insurance Misrepresentation of contract terms Improper billing Inaccurate credit reporting Failure to lawfully respond to disputes XXXX response shows they updated fields but did not verify the underlying fraudulent charges. FCRA 1681i requires the bureaus to delete unverifiable information, not update it. 

Laws Violated : FCRA 1681i ( failure to reinvestigate ) FCRA 1681s-2 ( b ) ( furnisher reporting inaccurate data after dispute ) FCBA ( failure to correct billing errors ) TILA ( failure to provide meaningful disclosure ) UDAAP Unfair, Deceptive, Abusive Acts and Practices ( XXXX ) Harm : Significant credit score damage Denied credit opportunities XXXX XXXX Economic loss

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 2025-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) has reported a fraudulent account to the credit bureaus based on unauthorized insurance enrollment and misrepresented account terms. The company added a {$190.00} XXXX XXXX fee and enrolled me in the XXXX XXXX XXXX XXXX without my informed consent. 

The insurance enrollment form ( attached ) shows no signature and no initials selecting a plan. The section where I was allegedly to sign to accept insurance is blank. XXXX also failed to provide required disclosures under the Fair Credit Billing Act ( XXXX ), Truth in Lending Act ( TILA ), and FCRA 1681s-2. 

I repeatedly disputed billing errors. Instead of investigating, XXXX continued to report the account as overdue. As shown in my credit screenshots, the account was reported XXXX  days late, XXXX  days late, and over XXXX  days late, with past due amounts from {$130.00} to {$200.00}. This inaccurate reporting has severely damaged my credit and caused direct financial injury. 

XXXX offered a goodwill settlement requiring me to waive liability, but they ignored the core issues : Unauthorized add-on insurance Misrepresentation of contract terms Improper billing Inaccurate credit reporting Failure to lawfully respond to disputes XXXX response shows they updated fields but did not verify the underlying fraudulent charges. FCRA 1681i requires the bureaus to delete unverifiable information, not update it.

Laws Violated : FCRA 1681i ( failure to reinvestigate ) FCRA 1681s-2 ( b ) ( furnisher reporting inaccurate data after dispute ) FCBA ( failure to correct billing errors ) TILA ( failure to provide meaningful disclosure ) UDAAP Unfair, Deceptive, Abusive Acts and Practices ( Dodd-Frank ) Harm : Significant credit score damage Denied credit opportunities XXXX XXXX Economic loss

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 2025-11-27 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 noticed that some information on my consumer report are not authorized this my be due to some data breach or any situation by the furnisher and I am request for the removal of the affected information as soon as possible by the bureau to demonstrate accuracy and protection on consumer according to the law 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

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I applied for a loan through a cash app promotion and it requested me to verify my identity. Then some glitch in there system will not allow me to upload or scan or take a picture of my IDENTIFICATION card/drivers license. Then my whole cash app account got locked out and I have know way of proving my identity. I keep calling and they keep giving me the same instructions that are not working. Then they tell me that I can only do that particular way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
This collection agency is reporting an account on my credit reports as if it were a loan with monthly payments, even though I have never had any student loan -There is no loan agreement, no promissory note, no payment schedule, and no history of any payments due. Despite this, they are reporting multiple missed payments, which is completely inaccurate. 

I requested verification from the agency and asked them to provide documentation proving this was a loan, including any signed agreement or payment terms. They have not provided any of the information I requested. 

They are furnishing false, misleading, and unverified information to the credit bureaus by categorizing this as a loan, reporting missed payments, and reporting a payment history that does not exist. This inaccurate reporting is damaging my credit. 

I am requesting that the collection agency stop reporting false information, cease all collection activity, and delete this account from all credit bureaus since it has not been validated and is being reported inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company repossessed the vehicle without notice. Personal Items are in the vehicle and the company is refusing to allow me to gather my belongings. 15 USC1692F

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Td Bank allowed skin laundry to take over {$1000.00} for my checking account unauthorized. I asked them to investigate and for skin laundry to provide the contractual basis for these withdrawals because they simply did not exist. Not only did they refuse to provide that investigative process, but they told me that it was not determined to be in my favor without even requesting required documents and contracts and allowing them without my authority to deduct {$1000.00} from my checking account which resulted in a negative balance and a consequence seizure of part of my SSXXXXI payment that month from TD Bank. They are not allowing me access to my account at this time because of these proceedings and my claim and process, but I can provide some snapshots and screenshots of some of the monies that were taken unauthorized. If you need names of managers at the banks and I spoke with three different managers at three different locations. I can provide that information as well. They all refused to cooperate despite stating that they would. The end result was again severe financial losses and conveniences and displacement.

Company response to consumer: Closed with explanation