vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I disputed an XXXX account on my Experian credit report and requested full verification under the Fair Credit Reporting Act, including a signed agreement or contract. Instead of providing documentation, Experian updated the account by adding a comment that I had disputed it without verifying it with any signed paperwork. 

I am requesting that this unverifiable account be removed from my credit file immediately. Reporting an account without proper verification is a violation of FCRA.

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 2025-07-22 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to 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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Please note that this is not a mistake on my part there are clear inaccuracies present that do not reflect the maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). These errors have had a significant negative impact on my life, both emotionally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, Equifax responded to my credit dispute by requesting additional documentation that had already been provided in my original submission. I included all required documents per the FCRA ( including valid proof of identity and address ). Their response falsely claimed they could not verify my identity, despite the inclusion of clear and legible documents. This appears to be a stall tactic to avoid their duty under 15 U.S. Code 1681i ( a ) to conduct a reasonable investigation within 30 days. 

Additionally, Equifaxs letter failed to specify what was missing and gave no reason why my original documents were insufficient. The burden of verification lies with the furnisher and Equifax, not the consumer. As of today, I have not received any meaningful investigation or correction of the inaccurate bankruptcy reporting on my file. 

I am requesting CFPB intervention and enforcement to ensure Equifax fully investigates the dispute, provides all verification required under the law, and ceases obstructive and unlawful delay tactics. I am also requesting a written statement signed under penalty of perjury by a person with firsthand knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-07-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: AR

Complaint narrative:
I've been battling with Reliacard issued by Arkansas child support services for over 2 years. On XX/XX/year> a dispute was filed, Money was given back {$510.00}. Again on XX/XX/year> for {$850.00}. After the second one they wanted a police report filed and I did so. Since then my account has been locked and I can not get my money or a new card! The app is even locked. They keep telling me I have to send in my driver license and marriage certificate ( I got re-married ) last name changed. So I have faxed in those two things multiple times through out the years and each time I call to check in on it they keep telling me the ID is too dark, re-send it zoom in to 200 %. Again I have done so. I have every receipt transaction of the times I've even had XXXX try to fax it over. We have even faxed in color. At one point they told me I could mail it to a PO box , I did that. Used certified mail. Again when I called, nothing. I'm to my wits end and it's been TWO YEARS! That account has almost XXXX of my kids money for child support that I can not access. I'm needing assistance on how to get that money that my ex-husnand keeps sending. I'm working on changing my child support into my new bank account. I pted in for the Reliacard because at the time of divorce I did not have a valid bank account. Any help in this matter would be GREATLY APPRECIATED!

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 2025-07-22 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: TX

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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 2025-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
Subject : Request for Relief from Harassment and Unreasonable Practices by Village Capital and Investments Dear CFPB Representative, I am writing to file a complaint against my mortgage servicer, Village Capital and Investments, for ongoing harassment and their refusal to offer a reasonable repayment option despite my good-faith efforts. 

As of today, I am 22 days behind on my XXXX mortgage payment. However, on XX/XX/year>, during a phone call with their office, I made a full monthly payment of {$2400.00} for the XXXX installment, which technically brought my mortgage current at that time. Despite this, they have continued to treat me as though I am significantly delinquent. 

Two months ago, I was 30 days late, and they granted a very short forbearanceonly two weeks and a few days. I have maintained consistent contact with them throughout this process, often initiating the communication myselfeven before I went 30 days past due the first time. 

Although I have been out of work for nearly a year, I have worked hard to keep my mortgage as current as possible and have never been more than 60 days late. I am now only 22 days behind for XXXX, yet they have refused to offer a payment modification or even a reasonable forbearance. Additionally, their online platform makes it difficult to submit partial paymentsthey require the full amount to bring the loan current, with no flexibility. 

Today, someone was sent to my home to hang a notice and take photos of my property. I have only authorized contact via phone, letter, and emailnot in-person visits. I consider this to be excessive and intimidating, especially since Ive been communicative and am only 22 days behind. 

They also call and text me constantly, creating further emotional and psychological pressure. 

I am requesting assistance and intervention from the CFPB. I have made every effort to act responsibly and stay in communication. As I return to work in my career field, I simply need a fair and manageable plan to help me stay on track and recover financially. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am filing a complaint against LVNV Funding for reporting a collection account that does not belong to me. I never opened this account, and I have been trying to get this resolved for a long time with no success. I have submitted multiple disputes, but the account remains on my credit report and continues to negatively affect my score. 
LVNV Funding has failed to provide sufficient documentation or proof that this debt belongs to me. I believe I am a victim of identity theft and have submitted a report to IdentityTheft.gov. This account is being falsely attributed to me, and it is unfair and damaging to my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
XXXX/XXXX  - XX/XX/XXXX - {$410.00} XXXX CARD - XX/XX/XXXX - {$140.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XX/XX/XXXX - {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
XXXX/XXXX  - XX/XX/XXXX - {$410.00} XXXX CARD - XX/XX/XXXX - {$140.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XX/XX/XXXX - {$3900.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
The following account and inquiries are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX/XXXX  XX/XX/year> / XXXX  XX/XX/year>. Please correct and update the late payments on my credit report. DEPTEDXXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
OneMain Financial loaned me {$4000.00} to be repaid over a two-year period in XX/XX/XXXX. I had received numerous OneMain advertisements by email and mail for months before deciding to take out the loan during a time of financial uncertainty. I was also convinced to purchase the XXXX insurance add-on. However, OneMain did not honor this benefit when I was in an accident that required multiple surgeries in the fall of XXXX. OneMain did all of their operations over the phone and online, including getting my signatures and selling me add-ons. 

Over the course of more than XXXX years, I made XXXX payments of approximately {$180.00}, totaling approximately {$4600.00}. Despite this, I still owed nearly {$4000.00} as of XX/XX/XXXX. When I could no longer make payments on the loan I had agreed to repay over XXXX years, OneMain Financial employees began to harass me with multiple phone calls each day. Id reached a point where theyd call my phone more than XXXX times per day. They even called me during work hours, despite being explicitly told not to. 

OneMain filed a lawsuit against me, seeking {$3500.00}. I only became aware of this lawsuit after receiving advertisements from consumer attorneys in the mail. I have been denied access to log into their system to review the paperwork I signed, including the details of the add-ons I purchased and the original two-year loan agreement. My credit report now states that the loan was a four-year contract, which is not something I agreed to. I certainly did not knowingly agree to pay OneMain over {$8000.00} for a {$4000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: IN

Complaint narrative:
I am filing this complaint because West Creek Financial is reporting inaccurate information to the credit bureaus ( TransUnion, at minimum ). The account was fully paid off, yet it is still being reported as charged off with a balance due. 

This is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623. I submitted disputes to both the credit bureau and West Creek Financial, requesting proper investigation and correction. Despite that, the item remains inaccurately reported and harms my credit profile.

I am requesting full deletion of this tradeline or immediate update to reflect : Paid in full {$0.00} balance Accurate and current status West Creek Financial has failed to provide any verification that supports their continued reporting of this account as a charge-off, which is false and misleading. This is a negligent and damaging reporting practice. 

Please intervene and ensure this furnisher either proves the accounts accuracy with full supporting documentation, or removes the account entirely from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a purchase with XXXX and never received the items. I contacted the merchant and they never responded to my requests. I filed a dispute with Capital One and they have denied my dispute. The case number is XXXX. I will not pay the amount to Capital One and if they send my account to collections, I will dispute that action with this complaint and all the other documentation already provided to Capital One. 

Capital One should not have the power to decide I have to pay for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA for reporting inaccurate and unverifiable data related to an Apple Card account. 

The account shows inconsistent charge-off information across the XXXX major bureaus. I submitted a dispute and received no signed agreement, no billing history, and no verification of the account or its reporting status. This item continues to harm my credit. 

Violations Cited : FCRA 1681e ( b ) : Inconsistencies show failure to maintain accurate data FCRA 1681i ( a ) : No reinvestigation results provided FCRA 1681s-2 ( b ) : No validation of the account or charge-off balance FCRA 1681c-2 : I am asserting my right to block this unverifiable and harmful information The company failed to verify or substantiate the information in response to a certified dispute. The account continues to report with discrepancies and no documentation.

I request permanent deletion under FCRA 1681c-2, which requires blocking of unverifiable data within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
On XX/XX/year>, my bluebird Visa card account was locked, I reached out to the number on the back of my card and I was told my card is locked due to the LOAN deposit that was made to my account, so I needed to send in documents to verifying the loan to Email : XXXX Email : XXXX Which I did but I never received any positive resolution Card number : XXXX

Company response to consumer: Closed with explanation