vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on a single account by TransUnion. According to their records, several payments are being falsely reported as late, even though they were made on time. This misinformation has negatively affected my credit score and caused unnecessary frustration and distress.

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 2025-11-06 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:
Im not linked to these accounts ; they must be deleted within 15 days as required by 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 2025-11-06 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I discovered that Early Warning Services ( EWS ) is reporting accounts in my name with XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX XXXX XXXX, both of which I never opened, authorized, or maintained. These accounts contain identifiers ( addresses, phone numbers, Social Security digits ) that are not mine and I have never used those addresses or numbers. Further, I am a documented victim of identity theft, and EWS wrongly disclosed my personal identifiers ( name, DOB, SSN, address ) to these institutions despite not having any valid link between me and the purported accounts. 

EWS did not conduct a reasonable investigation. They re-inserted the information into my file and continued reporting it, despite me disputing it and providing identity theft documentation. They merely took the word of the furnishers without obtaining certified proof of account ownership or my authorization a clear violation of the Fair Credit Reporting Act ( FCRA ). They also violated the identity-theft blocking rules under 605B.

The consequences have been severe : I face denial of bank account openings, significant distress, and risk of further identity misuse because EWS continues to report harmful, false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( Case No. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-06 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: GA

Complaint narrative:
I am filing this complaint because certain items on my Equifax credit report appear to be reported inaccurately or without proper verification. I am requesting a reinvestigation and correction or removal of any unverifiable information. 

Charged-Off Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Late Payment Account in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these items may be reported inaccurately, and I request that Equifax verify each with the original creditor and provide proof of accuracy or remove them if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX'I am filing this complaint against TransUnion for continued reporting inaccuracies following a prior verified deletionXXXXOn November XXXX XXXX, my TransUnion report showed that account XXXX  (ending XXXX) was listed with the status Unrated or bankruptcy  status updated XXXX XXXXTransUnion previously removed a false bankruptcy entry from my file after my earlier certified dispute. This XXXX  tradeline remains coded as if it were tied to that deleted bankruptcy, which is both inaccurate and misleading.\XXXXThis residual error violates FCRA  607(b) (failure to assure maximum possible accuracy) and  611(a) (failure to conduct a reasonable reinvestigation)XXXX have attached a certified dispute letter (dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the current report page as evidence.'

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sunbit, Inc.
State: NC

Complaint narrative:
I am filing this complaint and formal request for deletion through the Consumer Financial Protection Bureau regarding an account reported by your company. 

According to my XXXX report, the account with Account No. XXXX was opened on XX/XX/XXXX, and verified on XX/XX/XXXX. The account is listed as Closed, Paid in Full, and shows a {$0.00} balance with a Current payment status. 

Despite being paid off and closed in good standing, this account is still reporting on my credit file and is negatively affecting my credit score as Im in the process of purchasing a home. Since there is no remaining balance or delinquency, I am respectfully requesting a goodwill deletion of this tradeline from all credit bureaus ( XXXX XXXX  and XXXX  ). 

This request is made under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report accurately and fairly represents my current financial history. I have no open balance or default with Sunbit, and the continued reporting of this account is no longer relevant or reflective of my current standing. 

Please update your reporting and confirm removal in writing. 

Thank you for your attention and cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am submitting this complaint because a collection account was added to my credit report by Caine & Weiner Company , Inc. without proper verification of the debt.

I e-mailed a written debt validation request to Caine & Weiner, requesting verification and documentation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I have not received any response, validation, or supporting documentation from the agency. 

Despite my request for verification, Caine & Weiner reported this alleged debt to one or more credit bureaus, negatively impacting my credit report and score. This action violates my consumer rights under the FDCPA, as the debt was reported without proof of its validity.

I am requesting that the CFPB investigate this matter and require Caine & Weiner to either : Provide full validation of the alleged debt ( including original creditor, signed agreement, and complete payment history ), or Immediately delete the unverified collection entry from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This was sent today to Bank of America describing the issue : Dear Sir or Madam, On XX/XX/year>, I submitted a request to dispute a charge from XXXX XXXX Publisher. Please see the attached documentation for reference. 

Today, XX/XX/year>, I visited the Bank of America branch at XXXX XXXX XXXX, XXXX, MA XXXX, where a bank manager assisted me in contacting the Dispute Department. Unfortunately, my request was denied without explanation.

I respectfully ask the bank to reconsider and act on this dispute. As a customer of Bank of America for over 30 years, I believe I am entitled to fair and transparent treatment. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WI

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Hello, I have been an onetime paying customer of Chase Bank Account Ending in formerly XXXX  now XXXX   Customer Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XXXX. I have paid this card off multiple times. all of my payments have been ontime. I am self employed and when someone bounces funds to me its a trickle effect which is not chases problem. However they closed my account due to incorrect information that was submitted by XXXX XXXX and retracted or fixed. My monthly obligation to chase was $XXXX max. See what chase does is when you are late over 3 or 4 days they double the payment and change your obligation to double. and then the next month the minimum is due. I have totally paid this card off on 3/4 occasions. Never missed a payment and payed double to triplets amounts sometimes quadruple of my monthly obligation since i have opened the card and the tract record proves it. They told me I can reapply with in 6 months. I want my card my points and their inaccurate reporting on my credit fixed. because every month they have me as paying the minimum and that is surely not the case if someone can request my payment history they are not showing my revolving of credit they are making it like i am drowning in debt which is totally not true. I have never went over 30 days and have again paid well over my monthly obligation. a simple review of my payment history over the past 10 years will show i am telling the truth'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
This erroneous record provides a misleading reflection of my payment habits. Please correct and update my account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by US BKPT CT XXXX XXXX XXXX - DOCKET NO : XXXX was filed under my name without my knowledge and I am asking to block and delete this fraudulent bankruptcy because I have no knowledge about this account. It is a fraudulent bankruptcy.

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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: WA

Complaint narrative:
I am disputing a debt being collected by Rozlin Financial Group ( XXXX  ) for an account allegedly opened with XXXX. 

I never opened or authorized any account with XXXX. An item was shipped to my address without my knowledge or consent, and I still have the unopened box as evidence. Despite this, XXXX  began attempting to collect payment for the item.

I have already sent two written debt validation requests to XXXX  by certified mail, clearly stating that the account is fraudulent and requesting verification. They have not provided any documentation proving I opened or authorized the account. 

Instead, they sent a Cease and Desist Confirmation letter dated XX/XX/year>, acknowledging my request but taking no action to validate or remove the account. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that RFGI and the original creditor ( XXXX ) provide full proof of authorization or immediately remove all negative credit reporting and cease collection activity. 

I can provide copies of my validation letters, the cease-and-desist letter, photos of the shipped item, and a fraud/identity theft report if needed.

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 2025-11-06 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: CA

Complaint narrative:
Resurgent Capital Services and LVNV Funding LLC are unlawfully reporting and attempting to collect a XXXX  XXXX account that was canceled, deleted, and is time-barred under California law . XXXX XXXX filed a 1099-C, reduced the balance to {$0.00}, and deleted the tradeline from all credit bureaus. Despite this, LVNV continues to report the account as open with a {$1300.00} balance. This violates the FDCPA, FCRA, IRS law, and California 's Rosenthal FDCPA. I request immediate deletion of the LVNV tradeline as the only acceptable resolution.

1. Failure to Provide 5Day Notice - FDCPA 1692g ( a ) ; Rosenthal FDCPA Cal. Civ. Code 1788.17 - No written validation notice was sent within five ( 5 ) days of initial communication.

2. Failure to Verify Within 30 Days - FCRA 611 ; FDCPA 1692g ( b ) - I disputed in writing. Resurgent/LVNV failed to provide verification within 30 days, yet continued reporting.

3. Debt Canceled by Original Creditor - 26 U.S.C. 6050P ; 1099C Issued - XXXX  XXXX filed a 1099C and deleted the tradeline. Attempting to collect/report after cancellation misrepresents the legal status of the debt.

4. Original Creditor Deleted the Tradeline - XXXX  XXXX deleted this account from all credit reports between XX/XX/XXXX and XX/XX/XXXX. 
- Resurgent/LVNV continues reporting, violating FCRA 623 ( a ) ( 1 ) ( A ).

5. Failure to Mark Account as Disputed - FCRA 623 ( a ) ( 3 ) - Despite my written dispute, the tradeline was not flagged as disputed.

6. Statute of Limitations- California Code Civ. Proc. 337 ( 4 years for written contracts ) - The alleged debt is timebarred. Attempting to collect/report a timebarred debt is misleading under FDCPA 807 ( 2 ) ( A ).

7. False and Misleading Statements in Company Response - Resurgents claim that chargeoff does not satisfy the debt ignores the 1099C cancellation and deletion. This is materially false.

8. Failure to Prove Ownership Chain - No bill of sale, assignment agreement, or chain of title provided.

- Reporting without proof of ownership violates FDCPA 807 ( 2 ) ( A ).

9. Failure to Furnish Identical Data to All Bureaus - Exhibits show XXXX  XXXX deleted across XXXX and XXXX, yet LVNV reports an open balance.

- This violates FCRA 623 ( a ) ( 1 ) ( A ).

10. Pattern of Misconduct - CFPB fined XXXX XXXX XXXX ( affiliated debt buyer ) $ XXXX in XXXX for illegal debt collection and inaccurate reporting.

- LVNV/Resurgents conduct fits this pattern.

11. Consumer Harm - Inaccurate reporting reduced my credit score, caused denials of credit, and emotional distress. Documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am submitting this complaint due to several inaccuracies being reported in my credit report. The accounts mentioned in the attached file have been hurting my ability to obtain credit, that is why I was prompted to create a dispute on these accounts. I would like to highlight several violations of the Fair Credit Reporting Act ( FCRA ) that require prompt attention and resolution. These violations are detailed as follows : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e

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