vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address an inaccurate hard inquiry listed in my credit report. I did not authorize this inquiry, nor did I engage in any financial transaction that would warrant its presence. This entry is misleading and directly impacts the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX and XX/XX/year> U S Bank closed my business and personal accounts with no advanced notice and no explanation. 
This is turn ruined my personal credit score ( XXXX to XXXX in one week ) and damaged my business.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
-Duplicate / Conflicting Collection Accounts LVNV Funding LLC appears multiple times : XXXX entry shows balance {$430.00} ( opened XX/XX/XXXX, high credit {$430.00} ) Another entry shows balance {$670.00} ( opened XX/XX/XXXX, high credit {$570.00} ) At the same time, XXXX  XXXX ( XXXX ) and XXXX also show as charged-off and transferred accounts with the same original balances ( {$430.00} and {$570.00} ), suggesting possible duplicate reporting of the same debts under both original creditor and debt buyer -This can be challenged as re-aging or double reporting under FCRA 1681s-2. 
-Company ; XXXX Response- Originated with XXXX on XX/XX/XXXX and was opened with XXXX. This account charged off on XX/XX/XXXX with a balance of {$570.00}. LVNV Funding LLC ( XXXX  ) acquired this account on XX/XX/XXXX. No payments have been received on this account since it was acquired by XXXX. A judgment was obtained on the account ending in XXXX on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX, Connecticut with case number XXXX. Our records indicate that XXXX XXXX was served the summons and complaint on XX/XX/XXXX. Enclosed is a copy of the judgment for review. Because this debt is the subject of a valid, legally enforceable judgment, XXXX considers the debt to be valid and this dispute to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Please remove these unrelated accounts within 15 days in accordance with USC 1681g.

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 2025-09-25 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX phone # ( XXXX ) XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Investigation for Dispute under 15 U.S.C. 1681 ( i ) Dear Experian, I am writing in reference to my recent dispute submitted to Experian regarding [ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$21000.00} account # XXXX and XXXX XXXX XXXX opened XX/XX/XXXX balance {$11000.00} account # XXXX ]. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( i ), I am entitled to a detailed explanation of the method by which you investigated my dispute. 

To date, I have not received any clear documentation or information outlining the specific steps you took in verifying the accuracy of the disputed item ( s ) or the procedures followed during your investigation. As per the law, I request that you provide the following : The method and procedures you used to investigate the dispute. 

Any evidence or documentation that supports your determination that the information was verified as accurate. 

The contact information of the parties involved in the investigation ( if applicable ). 

Failure to comply with the statutory requirements of 15 U.S.C. 1681 ( i ) is a violation of the Fair Credit Reporting Act. If you can not provide this information, I expect the disputed item ( s ) to be permanently removed from my credit report.

Please respond within the time frame required by law, which is typically within 30 days from the date of my original dispute submission. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX 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 2025-09-25 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are not mine and should be eliminated in 15 days as required by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-25 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am disputing incorrect information that is being reported on my credit file and tenant screening report. This inaccurate information is negatively impacting my ability to obtain housing and credit. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into these inaccuracies. Please correct or remove the erroneous information and provide me with written confirmation of the results once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Company allowed a scammer to open a business account using my card account and funds, after I reported the card compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal Master Complaint concerning the inaccurate, misleading, and unlawful reporting of the XXXX  account # XXXX. The way this account is being reported constitutes serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Irregularities Identified Contradictory Account Status Equifax : Account reported as Closed. 

XXXX  : Account reported as XXXX. 

XXXX  : Account reported as XXXX. 

A tradeline can not simultaneously be open and closed. This violates FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ).

Inconsistent Dates of Activity Equifax : Last activity reported as XX/XX/XXXX. 

XXXX  : Last activity reported as XX/XX/XXXX. 

XXXX  : Last activity reported as XX/XX/XXXX. 

These discrepancies show no proper verification or reinvestigation as required by FCRA 1681i ( a ).

Failure to Mark Account Correctly During Dispute Consumer disputes were filed, yet the bureaus and XXXX continued to report the account as derogatory/negative without proper dispute notation across all platforms. 

This is a violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to mark accounts as disputed when applicable.

Debt Collector Misrepresentation XXXX, acting as a debt collector, is misreporting the status of this account across bureaus. 

This constitutes a false, deceptive, and misleading representation under FDCPA 807 ( 15 U.S.C. 1692e ).

Failure to Validate the Debt As required by FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must provide proper validation upon request. XXXX has failed to provide sufficient validation while continuing to report. 

Continuing to report a debt without validation is a direct FDCPA violation. 

Laws Violated FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reporting information known or should be known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failure to properly mark account as disputed.

FDCPA 807 ( 15 U.S.C. 1692e ) : Proh
ibition of false or misleading representation by a debt collector.

FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to validate debt and continued collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: TX

Complaint narrative:
Around XX/XX/XXXX I was sent a job offer from XXXX  XXXX  they use XXXX  for there background check. XXXX is reporting information on my record that doesnt belong to me. That is caused by identity theft. I have requested the documentation and the process on how they are reinvestagating to make sure 100 % accurate. Even after pointing out the inconsistency in the report. I was sent on a run around instead of receiving what I asked for. They closed an earlier compliant prematurely and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries and accounts need to be removed immediately. This is one of many attempts to removed these unauthorized inquiries please help me get this taken care of immediately I was a victim of identity theft back in XXXX and this loan was taken out without my knowledge, I never received any money at all and Ive told the lender but they still insisted I pay it and even tried to take me to court for it but that was blocked by my lawyer, I just want this off my account permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
So I had a secured credit card with Navy Federal Credit Union that required a {$200.00} security deposit. When the account was closed in XX/XX/year>, the card had a remaining balance of {$87.00}. Since then, Navy Federal has not applied my {$200.00} deposit to the balance, nor refunded the remaining amount. 

Multiple representatives told me I needed to make a payment before getting access to my early direct deposit, even though the card was secured and closed. Today, a different representative released my early deposit without asking for a payment but the {$200.00} deposit is still being held, and I have not received any clear breakdown or explanation. 

I was also told that I wouldnt get my deposit back until my bankruptcy is XXXX, even though Navy Federal was not included in my bankruptcy case. 

Requested resolution : Apply my {$200.00} secured deposit to the {$87.00} balance XXXX the remaining {$110.00} to my savings or checking account Confirm there are no remaining account flags or restrictions Provide a full written breakdown of how the account was handled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation