vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate infor

mation remains on my report. I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I used to work for this financial institution. The money I earned while working there is still in an IRA account with Sofi bank. I've tried numerous times over the phone, over the internet, and faxing in documentation to withdraw these funds. They've been sitting in an account for over 6 months not earning interest and this company refused to return my money. I need help with this it is caused a great amount of stress and strain on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WA

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required by law. These errors are causing significant and ongoing harm to my financial stability and peace of mind.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding LLC / Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute under FCRA Account # XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and duplicate reporting of the above-referenced account with your agency to the consumer reporting agencies. This alleged debt originated with XXXXXXXX XXXX XXXX XXXX. and has been listed on my credit reports under multiple entries with conflicting dates and statuses, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Legal Violations Identified : Duplicate Reporting This same debt is reported multiple times under different names ( LVNV Funding, LVNV FUNDG, LVNV Funding LLC ), with conflicting last activity dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

No Payment History or Validation There is no accurate payment history available for this account, yet it is being reported as a charge-off/collection and noted as Adverse in several entries.

Inconsistent and Unverified Reporting Dates of first delinquency, last activity, and balance information are inconsistent, which violates FCRA 607 ( b ) : Maximum possible accuracy.

Failure to Provide Validation As per FDCPA 809 ( a ), I am requesting full validation of this debt. Until you verify the debt with full itemization and documentation, you must cease reporting.

My Demands : Immediate deletion of all LVNV Funding-related entries from all credit reporting agencies due to unverifiable, misleading, and inconsistent reporting.

Cease and desist from further collection or reporting unless proper and timely validation is provided.

Provide a full accounting ledger, original contract, and assignment documents showing legal right to collect and report this debt.

Correct all consumer reporting errors under FCRA 623 ( a ) ( 2 ) and provide written confirmation of the results of your reinvestigation under FCRA 611 within 30 days.

If your agency continues to furnish inaccurate information or fails to comply with federal regulations, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am writing to dispute an account that has been reported under my credit file. I have never opened or authorized this account. It appears to be fraudulent in nature.

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 2025-07-21 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: LA

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 non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I had no involvement with these inquiries and suspect wrongdoing. Please review and take necessary steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXXXXXX XXXX. GA XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being report.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received XXXX XXXX payments from my clients ( XXXX $ and XXXX $ ) XXXX sent to my phone number, the other to my email address. The money was sent several days ago ( XXXX XXXX ), but it still hasnt arrived in my account. When I try to claim the payment, I get an error. 

I contacted my bank ( Bank of America ) multiple times at XX/XX/XXXX personally and by phone, but they were not able to resolve the issue. I also attempted to get support from XXXX, but no one has provided a clear solution. 

I rely on this money for my work, and Im very worried that the funds will be lost or expire. 

Please help resolve this matter and ensure I can receive my payments. 

XXXX XXXX bank BofA

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 monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX -XXXX  Account XXXX Opened on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Opened on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute a debt account reported by XXXX. XXXX, which is currently appearing on my credit file. I am contacting you under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i and 1681s-2 ) and demanding an immediate removal of this item.

The account is being reported without proper documentation, validation, or authorization. I never received any notice of the debt, and I have no knowledge of this account, nor do I owe any such balance. 

I have already contacted XXXX. XXXX and requested verification under my rights established by the FDCPA ( 15 U.S.C. 1692g ). They failed to provide : A copy of any signed contract Proof that I owe this debt Evidence that they have legal authorization to report it Itemization of the amount allegedly owed Furthermore, the original creditor or furnisher who permitted XXXX XXXX XXXX report this debt has failed to ensure the accuracy and integrity of the information, as required by FCRA 1681s-2 ( b ). The information is clearly inaccurate and unverifiable, and as such, it should not be reported to any credit bureau.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
In XXXX, I obtained a personal loan from Mariner Finance during the COVID-19 pandemic. Due to financial hardship, I requested and was granted a deferment. Despite the deferment, Mariner later charged off the account and began reporting it as a negative tradeline. 

Since approximately XXXX, Mariner Finance has been updating the account monthly, increasing the balance even though it is marked as charged off. This activity has continued through XXXX and XXXX. I understand that under XXXX XXXX guidelines, once a loan is charged off, the balance should be fixed and not updated with additional interest or fees. Their actions appear to be a form of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I contacted Mariner Finance in XXXX to dispute the ongoing updates and explain the loans deferred status. They insisted the reporting was accurate and have continued to update the account monthly, causing ongoing credit damage. 

I am requesting that the CFPB investigate and ensure this tradeline is removed entirely due to continued noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Lendmark Financial Services
State: VA

Complaint narrative:
I purchased a car with Lendmark XXXX and XXXX so sweet! I paid almost {$500.00} a month for about a year on a {$4000.00} vehicle and was told there would be no prepayment penalties! At the end of the year I was told I still had a balance of {$4200.00} and had to get an unsecured loan of XXXX! I think they took money out and didnt give me a dime but charge me for a new loan they keep saying no penalties paying off the loan so why isnt it paid off why did I have to get a new loan? Whered my money go who is benefiting from me making all these payments for a car that cant pass inspection Im left with a broke down car payments and feel like a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am contacting you regarding an account reported on my credit file that I am in no way affiliated with. I have never applied for or opened this account, and its listing on my report is both erroneous and fraudulent.

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 2025-07-21 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: NJ

Complaint narrative:
b'Equifax Information Services LLC\nXXXX XXXX XXXX, GA XXXXn\nHey Equifax,\n\nI would like you to conduct an investigation for me to make certain that everything is accurate.\n\nAccount name XXXX XXXX XXXXAccount number XXXXThis account is not showing maximum possible accuracy according to 15 USC 1681E(B)\nthe open date, date last active is not accurate. Delete Account Immediately for violation 15 USC 1681E(B)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Peer Advisors, LLC
State: NJ

Complaint narrative:
I've had the loan since XXXX and yearly I have made interest payments only because I don't want it to get too costly. I want to pay it off as I expect an inheritance and don't want the debt to accumulate so much - I have an extremely high interest rate, so I try to pay some interest every year. 

This year they although they claim payments can be made over the phone or with a check they claim they can not accept mine because I'm not in default???? Don't understand why they changed this year. 

No explanation has been made that justifies their inability to accept my prepayment and they state that " that is the new rule ''. I requested the basis or law under which they were changing the terms of the contract, but no answer has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation