vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am writing to dispute an inaccurate account on my TransUnion/Experian credit report. The account from XXXX appears on my TransUnion/Experian report but was removed from my XXXX  report recently. This discrepancy suggests the account is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 611 ), I request that you investigate this account and remove it from my report, as Equifax has done. Enclosed are : - A copy of my XXXX  report showing the accounts removal. 

Please provide a written response within 30 days, as required by FCRA 611 ( a ) ( 6 ). Contact me if you need additional 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 explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
I am submitting this follow-up complaint against Equifax to dispute three inaccurate late payment entries that remain on my credit report without proper justification. The accounts in question are XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX  ), XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ). The XXXX XXXX  and XXXX XXXX entries report late payments as of XX/XX/XXXX, and the XXXX XXXX XXXXXXXX account reflects a late payment dated XX/XX/XXXX. However, in all three cases, the account details list a {$0.00} balance and {$0.00} past due amount, meaning there is no basis for the derogatory marks to be included on my file. 

Equifax is obligated under 15 U.S.C. 1681e ( b ) to report only accurate, verifiable information. Furthermore, the reinvestigation requirement under 1681i ( a ) ( 1 ) ( A ) mandates that Equifax must thoroughly review disputes and remove unverifiable data under 1681i ( a ) ( 5 ). Recent findings by the Consumer Financial Protection Bureau revealed that Equifax has been conducting sham investigations in which disputes were closed without actual review of documentation from data furnishers. This deeply concerns me, especially since I have yet to receive any documentation from Equifax showing that these late payments were legitimately reported with evidence of a past due balance at the time. Given the sensitive nature of financial data and the increasing threat of data breaches, these types of erroneous entries may be a result of compromised or improperly handled informationyet Equifax continues to leave them on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I've called numerous times over that last 2 year request information on the so called balance, I was told XXXX separate things of what the bill was. My most recent call was XX/XX/year> at XXXX which lasted XXXX min. The person i spoke to then was the first to understand that there was something wrong. I received a called from someone yesterday who said they'd email but I didn't recieved an email.nothong has been done and both my fianc and my credit have taking a hit and is reflecting as a repossession. I've had increase interest rate and was unable to get approved for certain funds or credit lines when it was needed which cause further financial issues

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LNLV PORTFOLIO amount of XXXX, tries to contact me every day. Ive asked several times for written confirmation of my signature giving permission to even contact me about a debt thru a XXXX party company and have not seen paper yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In accordance with with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : Midland Credit Manag And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 97 maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable a information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete them items of information from the file of the consumer or modify them items of information, as appropriate, based on the results of the re-investigation ; and ( ii ) promptly notify furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: WA

Complaint narrative:
I was an authorized user of a credit card. The Original card holder violated terms.

The experience went like this.

1. ) I had good/decent credit.

2. ) I was being physically harmed.

3. ) The Original card holder over spent the credit card list my multiple percentage points. In example ; 105 % over the limit.

4. ) Perfectly timed within a 3 week ( 21 days for me being physically abused ; resulting in close to XXXX XXXX XXXX  ect. Due to not being able to access credit.

5. ) Original card holder had previous knowledge of the physical attack.

6. ) I notified the card holder via a phone call that I needed to be removed as authorized user.

7. ) Refer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX a XXXX XXXX transaction was done to pay off a bill to a new credit card. The credit card number was transposed and it did not make it to the correct credit card. 

The first time I called, the agent told me the XXXX  account number was not a real number, so if I filed a complaint they could reverse the charge. I followed these directions, and received a letter in the mail that the funds were received on the other end and could not be returned. 

I called again and spoke to a very nice agent who told me to call on a week day and get a 'transmital report ', and then send that in through the SEcure Messages. 

I called on the weekend and asked for a transmittal report. This agent said they didn't know what that was. They told me to get the proof of payment online, and send in all the deatils into the secure message center. 

I sent in all this info with the proof of payment on XX/XX/XXXX and received a note back that it could not be reversed due to it being received on the other end. 

I called again on XX/XX/XXXX, and spoke to another agent that sent me to the retail banking department, who talked to the back office and again said the money was gone becuase it was received on the other end. They said they could not give me any details on who received it, but it could not be returned. 

Amount : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

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 2025-05-21 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: CO

Complaint narrative:
This is a follow-up complaint intended to ensure Equifax conducts a full and lawful reinvestigation into the accounts I have disputed, as previous attempts have either been ignored or met with generic responses. I am disputing two collection accounts currently appearing on my Equifax credit file : one from XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) with a date of XX/XX/year> and a reported balance of {$0.00}, and another from XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) reporting a balance of {$120.00}. The XXXX XXXXXXXX account should not be reporting as a collection at all if the balance is {$0.00}. A collection listing implies an outstanding financial obligation and negatively impacts my credit profile, yet this record is showing no money owed, raising serious questions about whether Equifax has simply failed to verify the legitimacy and status of this entry. As for the XXXX account, I have never received any prior notification of this alleged debt nor any itemized proof validating the amount or origin, as required under 15 U.S.C. 1692g. 

The continued presence of these accounts without adequate validation is unacceptable. Under 15 U.S.C. 1681i, Equifax is legally obligated to conduct a reasonable reinvestigation of disputed items, and if the information can not be verified, it must be deleted under 1681i ( a ) ( 5 ). Furthermore, under 1681e ( b ), Equifax is required to ensure maximum possible accuracy in all credit reporting. Neither account has been backed by any original documentation or legally compliant validation, which points to systemic issues in Equifaxs dispute handling process. Adding to this, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have uncovered that Equifax has routinely conducted sham investigations into consumer disputes, violating 1681i ( a ) ( 1 ) ( A ), and failed to correct unverifiable information in violation of 1681i ( a ) ( 5 ). These practices raise serious doubts about whether my dispute was given any real consideration. 

Given the widespread occurrence of data breaches in recent years, including those affecting financial institutions and credit bureaus themselves, it is possible that these accounts have been inaccurately or wrongfully reported due to compromised consumer data. It is disturbing that Equifax would allow questionable or unverifiable data to continue reporting, especially considering the legal and reputational scrutiny it is currently under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX XXXXXXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXXXXXX and the credit reporting agencies Equifax, XXXX, and XXXX for inaccurately and unlawfully reporting derogatory marks on a fully paid and closed credit card account. This false information is harming my credit profile and constitutes a violation of several federal consumer protection laws. 

Summary of the Issue : This revolving credit account was closed in 2020 with a {$0.00} balance and marked as paid. 

Despite being closed and fully satisfied, all three credit bureaus are reporting late payments ( 30, 60 days ) in 2020. 

There is no open balance, no active billing cycle, and no contractual basis to report delinquencies after closure. 

The account was closed due to inactivity or by the creditor not because of default or delinquency. 

I was not notified of any post-closure billing, and I fulfilled all obligations under the original credit terms. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy. Reporting late payments on a {$0.00} balance, closed account violates this requirement. 

1681i : The bureaus failed to correct or delete inaccurate, incomplete, or unverifiable information after closure. 

1681s-2 ( b ) : XXXX XXXX XXXXXXXX failed to correct the inaccurate information after it was disputed. 

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The continued reporting of " late payments '' on an account that was already closed and had no outstanding balance is a misrepresentation of contractual loan terms, in violation of TILAs requirement for clear and accurate disclosures. 

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By disseminating false and misleading credit data to third parties ( credit bureaus ), XXXX XXXX XXXXXXXX failed to protect the confidentiality, integrity, and accuracy of my financial information. 

4. CARES Act ( COVID-19 protections ) : If any hardship accommodations or relief were granted during the COVID-19 pandemic ( explicit or implied ), XXXX XXXX XXXXXXXX was required to report the account as current under the CARES Act. Reporting derogatory marks during or immediately after the COVID relief period could violate these provisions. 

Harm to the Consumer : These inaccurate reports have lowered my credit score, resulting in denials of credit, increased interest rates, and unfair damage to my financial reputation. As this account was fully paid and closed, there is no legal or ethical basis for any derogatory remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  ( XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( personal loan ) opened on XX/XX/XXXX XXXX XXXX XXXX  opened XXXX XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX These accounts are the result of identity theft, and I have never applied for or consented to any of them. I am including my consumer XXXX credit report, which displays the fraudulent items, and my FTC Identity Theft Report # ( private case number ) for verification.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Lobel Financial due to ongoing and unresolved issues affecting my credit report since 2020. 

Since that time, I have repeatedly disputed inaccurate information submitted by Lobel Financial through XXXX. However, each time I submit a dispute, Lobel Financial appears to change the name of the collection agency reporting the debt. To date, I have had to deal with over six different collection agencies, all attempting to collect the same alleged debt, often reporting inconsistent amounts. 

These collection accounts are frequently removed following disputes, only to reappear under different names or under Lobel Financial directly, with varying balances. This cycle of removal and re-reporting with conflicting information has caused significant harm to my credit score and profile. It appears to be a deliberate attempt to manipulate or sabotage my credit standing, which I believe is both unethical and potentially illegal. 

I am requesting that the Consumer Financial Protection Bureau investigate Lobel Financial for potentially deceptive, abusive, and unfair practices under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also request that all related entries be permanently removed from my credit report unless verified with complete and consistent documentation from the original creditor. 

Please advise on any additional documentation you may require from my side. I am prepared to provide copies of my dispute history, credit reports, and any correspondence with the involved collection agencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX  for failing to remove multiple fraudulent accounts from my credit report, despite submitting all required documentation under the Fair Credit Reporting Act ( FCRA ) 1681c-2. My identity was compromised in the XXXX XXXX XXXX XXXX XXXX XXXX data breach. 

On XX/XX/XXXX, I submitted a dispute to XXXX with supporting documents, including a government-issued ID, Social Security card , utility bill, and an FTC Identity Theft Report. As of today, Experian has not confirmed removal or blocking of the accounts, and the fraudulent entries remain on my credit file. 

Fraudulent Accounts Include : XXXX XXXX XXXX Account # : XXXX First XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : 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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I settled a debt with LVNV funding through XXXX XXXX and was promised that the collection would be removed from my credit report. I settled and paid XXXX XXXX on XX/XX/XXXX. I received a release letter. LVNV is still reporting on all XXXX credit bureaus. I have disputed the account multiple times and LVNV funding has yet to confirm to the credit bureaus that the debt was paid and should be removed as agreed. I am trying to get approved for a job and I need this removed asap. I have the release letter from XXXX XXXX.

Company response to consumer: Closed with explanation