vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and the credit bureaus ( Experian XXXX TransUnion ) are illegally reporting late payments on my auto loan account after it was closed, repossessed, and charged off. The account shows the following timeline : XXXX, XXXX, XXXX, XXXX R ( Repossession ) XXXX months XXXX ( Charged Off ) Reporting late payments or updates after charge-off is factually impossible and constitutes illegal re-aging. This is negatively impacting my credit report and credit score. 
I submitted an initial dispute on XX/XX/2025, regarding this account. The company responded on XX/XX/2025, stating they were still working on the dispute. Today, XX/XX/2025, the dispute has not been resolved, exceeding the XXXX FCRA reinvestigation period ( 1681i ( a ) ( 1 ) ( A ) ).

The account continues to report late payments after repossession and charge-off, which can not be verified. Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable information must be deleted immediately.

I am requesting the CFPB to ensure the following : Immediate deletion of any late payments reported after repossession/charge-off.

Cessation of any ongoing derogatory reporting.

Correction of the Date of First Delinquency ( DOFD ) if needed. 
Written confirmation once the account has been DELETED. 

Below is proof of the previous dispute that I downloaded today as XX/XX/2025 and i added my XXXX and utility bill as proof of identity. 

Please reference the following FCRA violations for this complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Thank you for reviewing my complaint and assisting in ensuring that my credit report reflects accurate and verifiable information. 

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 explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a new Citi Regular Checking account on XX/XX/year>, through an offer on their website, stating I would receive a {$320.00} bonus with Direct Deposits between {$3000.00} - {$5900.00} or {$420.00} with Direct Deposits {$6000.00} or more. 

I had a Direct Deposit of {$1500.00} hit my account on XX/XX/year>, and then another for {$4500.00} on XX/XX/year>, making my total Direct Deposits received {$6000.00}, which should have made me eligible for the {$420.00} bonus. 

I have not received any bonus to date.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, lates 60 days XX/XX/XXXX and 90 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 90 days XX/XX/XXXX, 120 days XX/XX/XXXX and XX/XX/XXXX and 120 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 120 days XX/XX/XXXX to XX/XX/XXXX, and 120 days lates XX/XX/XXXX to XX/XX/XXXX not reported on other bureaus

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 2025-11-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, lates 60 days XX/XX/XXXX and 90 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 90 days XX/XX/XXXX, 120 days XX/XX/XXXX and XX/XX/XXXX and 120 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 120 days XX/XX/XXXX to XX/XX/XXXX, and 120 days lates XX/XX/XXXX to XX/XX/XXXX not reported on other bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-21 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: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
United Wholesale Mortgage extended the appraisal process by being vague about what was requested to be fixed from the initial appraisal. i have documentation of the appraisers consistently approving my appraisals with no conditions until UWM told them to change it and include conditions. this led to multiple instances of needing to extend the rate locks and increasing my closing costs. when i asked about cancelling the process i was told i would still have to pay for the rate locks regardless and i didn't know the rate locks would increase costs in the first place. i believe UWM did this intentionally to increase costs i would have to pay to them. I tried requesting credit for this action on their part and i was denied remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The specific compliance failures and legal grounds for immediate deletion follows. 
XXXXThe amount charged off are unverifiable. 
XXXX. The account shows inconsistent and impossible reporting. 
XXXX. Failure to properly report a charge-off XXXX. The furnisher has not certified the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am filing a complaint against a collection agency called LVNV Funding. They entered a collection on my XXXX credit report on/about XX/XX/XXXX in the amount of $ ( intentionally deleted for privacy ). While I recognize the original creditor name ( intentionally deleted for privacy ), I do not recognize the amount. I believe it is too high because junk fees were added somewhere. 

I write this on XX/XX/XXXX. LVNV funding has not sent any written correspondence to my home address regarding this alleged debt, so I have no info on how the amount was calculated, if any junk fees were added, and that this LVNV Funding is authorized to collect this alleged debt. I am now receiving text messages from XXXX, a screenshot of a text I received on XX/XX/XXXX or XX/XX/XXXX is attached. This XXXX claims to be servicing ( my ) LVNV Funding Account. What account? This XXXX expects me to click on a link and hand over my Social Security number. In late XXXX, my Social Security number was stolen from my employers payroll system, so I do not give ANY of my personal information to parties I do not know, nor do I click on links or buttons in texts and emails from parties I do not know. I do not trust that those who send these types of correspondence are who they say they are. 

The bottom line of my complaint is that LVNV Funding entered this alleged collection on my credit report almost XXXX months ago. No written correspondence was sent to my home address regarding this alleged debt. I believe that to be a violation of the Fair Debt Collection Practices Act, and XXXX, the supposed servicer of this alleged debt, has also failed to send written correspondence to my home address. LVNV Funding and XXXX have denied me my right to dispute this alleged debt and request a debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-11-20 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: MA

Complaint narrative:
XX/XX/year> Experian did not delete or properly investigate a matter when proof was submitted an account and address was not mine. 
Report # XXXX reflected no change on report. XXXX XXXX account should be deleted along with XXXX address I have no association with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent proof of an email sent to me with an attached PDF letter sent from XXXX XXXX addressed to same name as mine and Experian used this as information connecting me to this account. Its not mine

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
Aaron Agency is illegally reporting false late payments and a false collection to XXXX XXXX XXXX  This information is inaccurate, unverified, and has caused me financial harm, including 11 unnecessary hard inquiries and credit denials. I requested reinvestigation and proof of verification ; none was provided. This violates FCRA 602, 607 ( b ), 611, and 623. I am requesting CFPB enforcement to compel immediate correction and removal of all inaccurate data.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX secured credit card was suspended on XX/XX/XXXX with a balance of approximately {$390.00}. Because the account was suspended, the mobile app and website would not allow me to make a payment. I called XXXX multiple times, but the representatives confirmed they could not take a payment or adjust the amount. I was told I would receive a revised total so I could pay the balance and close the account in good standing. I never received any updated amount. 

Instead, the account was closed on XX/XX/XXXX without my authorization and without giving me any way to pay it. XXXX later applied my {$200.00} secured deposit on XX/XX/XXXX XXXX days AFTER the account was closed but did not adjust the balance or correct the reporting. 

XXXX has since reported ongoing late payments for months after the account was closed, which is impossible and inaccurate. I was prevented from paying due to XXXX own system restrictions, but XXXX is reporting this as if I refused to pay. This is a direct violation of the Fair Credit Reporting Act. 

These inaccurate late marks have caused major damage to my XXXX XXXX and directly interfered with my ability to complete business transactions, including a commercial property purchase. 

On XX/XX/XXXX ( approXXXX XXXX XXXX XXXX XXXX  XXXX XXXX representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were unprofessional, talked over me, refused to review my documents, refused to escalate the issue, and hung up on me. Citibanks mishandling and misconduct have made it impossible for me to resolve this. 

I am requesting that XXXX immediately correct the reporting to show the account as : " Paid as agreed '' or " Closed at consumers request never late. '' I also request the removal of all late marks caused by XXXX errors.

Company response to consumer: Closed with explanation