vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I have disputed these accounts listed below several times and the proper investigation was not conducted into this matter and these accounts have continued to report on my credit report. XXXX  performed a thorough investigation into this matter and found these accounts to be fraudulent. I asked that these accounts be removed because according to us 1681S-2, This includes the duty to provide accurate information, correct errors, and investigate consumer disputes. 

The accounts that are reporting inaccurate are : 1. XXXX XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX  ( XXXX ) I have enclosed documentation supporting my claims

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding multiple erroneous accounts listed on my credit report pursuant to 15 U.S.C. 1681c-2 and to formally request that this erroneous data be blocked. Enclosed is a copy of my police/FTC report XXXX FTC REPORT XXXX : XXXX ), which is significantly impacting my credit score and financial situation, hindering my ability to purchase a home for my family. I believe these accounts are misreported and are in urgent need of correction. Credit reporting agencies are required to block any information a consumer reports as a result of misreported accounts within four business days. The following information on my credit report is the result of serious inaccuracies and should be blocked : All necessary documentation is included in this packet, and copies have been forwarded to your agency by both fax and certified mail. In addition, I request the immediate elimination. I see a request from the XXXX XXXX. I need to make sure that they remove that request, as well as the member XXXX bank as well as other financial institutions that are running my credit. If I am the one who authorizes it, I will be the one who authorizes it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-21 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-21 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: KY

Complaint narrative:
I contacted the company, and no one answered or responded to my email or phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/year> XXXX filed a lawsuit against me in the wrong venue. I had already sold that property, moved somewhere else, and also changed my address. Their certificate of service says they completed service by posting my lawsuit on the property. So new homeowner saw my lawsuit. Also in the certificate of service there is no proof of said posting. XXXX then proceeded to get a default judgement against me and when the proceedings supplemental service came back not served clearly stating wrong address XXXX did not take any steps to do the right thing. XXXX supplemental was cancelled on XXXX for service not served. Again instead of doing the right thing XXXX has left this lawsuit in limbo for over a year gaining interest on this wrongful default judgement. Also XXXX has damaged my XXXX XXXX by letting this linger around. XXXX has had many chances to do the right thing and set aside the default judgement and dismiss the case. But they choose not to. They did not proceed with the lawsuit after the proceedings supplemental was cancelled for wrong proof of service because they knew they made a mistake. But instead of doing the right thing they just report to my credit every month adding interest and damaging my score. I shouldn't have to make a complaint on a website for you to do the right thing. Please set aside the default judgement and also dismiss the case with predijuce as clearly you have made a mistake with wrong venue wrong proof of service and lack of care to my credit report and personal information to the new homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
The student loans I have from XXXX XXXX were unpaused and a 90 day late payment affected my account. I contacted the company and they said because it was not in deferment anymore and thats why this happened. They said they sent information about it to my home but I moved and never received anything else. They never called me about this issue and that is why I was unaware of the situation. They told me to to get on a repayment plan which I did as well as they told me to send a letter to dispute it but never heard anything back from them. I need the 90 day late payment removed from my account it dropped almost XXXX points and it is not acceptable! I have never been late with any payments that I have under my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-21 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I am submitting this complaint because Seventh Avenue has violated multiple federal consumer protection laws by : XXXX. Reporting false information to XXXX after my account was fully paid XXXX. Selling my paid account to a third-party debt buyer that is now attempting to collect again and Refusing to correct or verify the information upon my written disputes & phone calls after getting paid the full balance. 
XXXX. Refusing to reach out to the third party which they have sold my account to despised of being paid in full & wanted me to do it. 

This conduct has resulted in continued derogatory reporting, credit score damage, and ongoing collection harassment for a debt that was already settled in full. 

IMPACT Because of Seventh Avenues inaccurate and unlawful reporting : My credit report continues to show a charge-off despite full payment, I am being targeted by a third-party debt collector for a debt that does not exist. 
My credit score dropped, harming my ability to access fair credit terms, and have not resulted in deletion or correction from previous disputes with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance 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.

15 U.

S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-21 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: GA

Complaint narrative:
I have disputed these accounts listed below several times and the proper investigation was not conducted into this matter and these accounts have continued to report on my credit report. XXXX  performed a thorough investigation into this matter and found these accounts to be fraudulent. I asked that these accounts be removed because according to us 1681S-2, This includes the duty to provide accurate information, correct errors, and investigate consumer disputes. 

The accounts that are reporting inaccurate are : 1. XXXX XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX  ( XXXX ) I have enclosed documentation supporting my claims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$64000.00} into my Bank of America checking account. At the time of deposit, I was informed that {$6400.00} would be available on XX/XX/XXXX, with the remainder by XX/XX/XXXX, and I received a receipt confirming this. 
Later, the bank revised the hold, placing a full hold on the entire deposit, and informed me that the funds would be available on Saturday, XX/XX/XXXX instead. 
On XX/XX/XXXX, my mortgage payment was processed, causing my account to show a negative balance, since the deposit was still on hold. I contacted Bank of America customer service, and the representative acknowledged the issue. During the call : They confirmed the mortgage payment would be covered. 
They released {$1000.00} from the held deposit, apparently as a way to give me access to funds while the full check continued processing. 
I successfully withdrew {$300.00} from an ATM that evening a transaction that would not have been possible if the account was negative. 
However, on XX/XX/XXXX : I discovered that the mortgage payment had been reversed, even though the funds should have been available. 
The {$1000.00} partial release had disappeared from my account history, with no record of it ever being posted or reversed. 
I was told by a customer service representative that no such release or credit ever occurred, despite the fact that I used the funds. 
I escalated the matter to a supervisor, but no one could explain what happened to the {$1000.00}, nor why the mortgage payment was reversed. There was no written notice, no reversal entry, and no transparency regarding the change in my account history. 
The failure to document the partial release and its removal, along with the reversal of a mortgage payment after the funds were supposedly made available, raises serious concerns about Bank of America 's transaction integrity and compliance with federal regulations such as Regulation E and Regulation CC, which require accurate and timely disclosure of transaction activity and fund availability. 
I respectfully request the CFPB 's assistance in compelling Bank of America to : Provide a complete and unaltered transaction history ( including internal adjustments ) for XXXX XXXX, XXXX. 
Explain in writing why {$1000.00} was made available and then removed with no trace. 
Clarify why the mortgage payment was reversed despite the availability of funds. 
Acknowledge the errors and provide compensation or remediation for the disruption caused by this handling. 
This situation has caused significant confusion and concern regarding the transparency and reliability of my account records.

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 2025-10-21 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that are damaging my credit and causing ongoing emotional and financial harm.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I had a loan on a car I got rear ended it got totaled had full coverage paid it off but its still showing up on my credit report as unpaid & when I talked to them about it they told me they had given my case to their lawyers for me to make payments

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