vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXXXXXX Equifax XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was on vacation and traveling on a cruise. While vacationing, I visited an event venue and restaurant where I was required to surrender my debit card to open a tab. The merchant retained possession of my debit card for several hours while I was at the venue. 

At the conclusion of my visit, I closed my tab and authorized a single debit card charge in the amount of {$52.00}. I did not authorize any additional charges. 

After returning home and reviewing my bank statement, I discovered an additional debit card charge in the amount of {$200.00} that I did not authorize. Because the merchant maintained possession of my debit card for an extended period of time, I did not have control over my card during that time. 

I filed a debit card dispute with Prosperity Bank regarding the unauthorized {$200.00} charge. Prosperity Bank denied the dispute solely because I was unable to provide a receipt for the authorized {$52.00} transaction. Since this transaction occurred while I was on vacation and on a cruise, I did not retain the receipt and have no other documentation. 

Prosperity Bank did not provide evidence that I authorized the {$200.00} charge, nor did they retrieve documentation from the merchant to substantiate it. Instead, the burden was placed entirely on me as the consumer. I believe this dispute was not handled in accordance with proper debit card error resolution procedures, especially given that the merchant retained my debit card for several hours. 

I am requesting a reversal of the unauthorized {$200.00} charge and a review of Prosperity Banks handling of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding, LLC is reporting Account XXXX. XXXX to the consumer reporting agencies without having established that the alleged debt is valid, accurate, or legally enforceable. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a debt collector is required to provide written notice of the debt and the consumers right to dispute it. I did not receive the required notice prior to this account being furnished to my credit reports. Moreover, once a dispute is submitted, FDCPA 809 ( b ) requires that all collection activity cease until proper validation is provided. Credit reporting is a form of collection activity, yet LVNV Funding continues to report this account despite failing to validate it.

LVNV Funding is also in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ), a furnisher may not report information that is incomplete or inaccurate, and under 1681s-2 ( b ), the furnisher must conduct a reasonable investigation after receiving notice of a dispute. LVNV Funding has failed to provide competent evidence verifying this debt, including a copy of the original signed agreement, a full and itemized payment history, proof of ownership or legal assignment of the account, or documentation substantiating the alleged balance of {$4300.00}. A mere confirmation of internal records does not meet the FCRAs standard for verification as outlined in 1681i ( a ) and 1681g ( a ).

Additionally, LVNV Fundings continued reporting of this unverified account violates Metro 2 reporting standards, which require furnishers to ensure maximum possible accuracy, proper account status classification, and complete dispute resolution. LVNV Funding is a well-known debt buyer and has been the subject of extensive consumer complaints and litigation for inaccurate reporting and failure to properly validate debts, further calling into question the reliability of this tradeline. These actions constitute negligent and willful noncompliance and expose the furnisher to statutory damages under FCRA 1681n and 1681o, as well as actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting a complaint regarding PayPal Credits handling of a billing dispute and the inconsistent and misleading information I was recently given about my dispute rights. 

On XX/XX/year>, I used PayPal Credit to finance a {$2400.00} purchase for a digital course from XXXX XXXX XXXX ( XXXX XXXX ). After determining the service was materially not as described, I attempted to resolve the issue directly with the merchant and my refund request was denied. 

More recently, after learning that PayPal Credit purchases may have dispute protections, I contacted PayPal to seek guidance on how to dispute the transaction. A PayPal representative advised me that I could pursue the dispute through my bank, XXXX. When I contacted XXXX, I was informed that the payments were processed as ACH transactions and therefore were not disputable through XXXX. 

This directly contradicted the information provided by PayPal and left me without any viable dispute path. Additionally, during one of my calls with PayPal customer service, I was placed on hold and the call was disconnected without resolution. 

I am concerned that PayPal Credit did not clearly disclose or correctly explain my dispute rights for a financed purchase and provided incorrect guidance that delayed and obstructed my ability to seek resolution. I am requesting that PayPal Credit review its handling of this matter, provide a clear explanation of my rights, and correct any misinformation provided.

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 2025-12-23 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: SC

Complaint narrative:
I am formally disputing the following account as inaccurate, incomplete, and unverifiable : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$12000.00} This account was closed on XX/XX/XXXX, yet it continues to report a balance and ongoing activity. Reporting a balance on a closed account without proper documentation is inaccurate and misleading.

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 2025-12-23 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: SC

Complaint narrative:
I am formally disputing the following account as inaccurate, incomplete, and unverifiable : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$12000.00} This account was closed on XX/XX/XXXX, yet it continues to report a balance and ongoing activity. Reporting a balance on a closed account without proper documentation is inaccurate and misleading.

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 2025-12-23 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: SC

Complaint narrative:
I am formally disputing the following account as inaccurate, incomplete, and unverifiable : Creditor : XXXX XXXX XXXX  Account Type : Auto Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$12000.00} This account was closed on XX/XX/XXXX, yet it continues to report a balance and ongoing activity. Reporting a balance on a closed account without proper documentation is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CT

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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$500.00} gift card from XXXX at a drug store. 
No one accepts it. Merchants say they won't accept XXXX XXXX. I called XXXX, and said no one is accepting the card. They immediately hung up on me. This happened repeatedly. It was suggested by someone to call and say the card was lost and to request a refund. This I did, and was put on hold twice. I said I would like to exercise my legal right according to the card holder agreement for a refund and to speak to a supervisor. I was put on hold again for a very long time. It was clear they never intended to return to my call with them. What am I to do? This feels like credit card fraud from a credit card supplier. I am out {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am reaching out in desperation because inaccurate accounts are still showing on my credit report and nothing has been done to remove them. This situation has caused me ongoing XXXX, and I am urgently asking that the documents I provided be reviewed with great care so I can finally stop worrying about 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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX bank through XXXX XXXX credit card was open by fraud i called the company they told someone opened a credit card limit of XXXX $ i closed the account reported fraud with the original company they still kept charging me up to XXXX $ on a closed fruad reported account XXXX collecter name Midland credit management Acct # XXXX Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

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 2025-12-23 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:
This has been a reoccurring issue since I found out about this acct in XX/XX/year>. When I was made aware of this fraudulent acct being opened in my name. I contacted the company and paid the debt in full and was assured that all credit reporting for this acct would be stopped and the acct would be placed in a cease and desist status. I have filed a police report with my local police department as well as multiple complaints with the CFPB and FTC. And both police reports and ftc reports have been sent to XXXX XXXXXXXX regarding Acct # XXXX. Even after all of this they continue to re insert this item on my credit report. This is absolutely ridiculous that I would have to continue to fight this after providing beyond reasonable doubt that this acct is not mine and in fact is fraudulent. I have reached my limit with this and if this continues I will have to involve the FBI. This is illegal and violates my rights as well as breaks several credit laws set in place by the government.

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 2025-12-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 


1. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance XXXX NA 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$800.00} 3. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$5300.00} ADDRESS DONT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX 






Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted. 
3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., Utility Bill ).

FTC. A signed affidavit of identity theft ( if required ) and My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Unlawful Reinsertion of Deleted XXXX XXXX XXXX Accounts FCRA 611 ( a ) ( 5 ) ( B ) Experian unlawfully reinserted multiple accounts on my credit report that were previously deleted and/or blocked. 

The accounts include : XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXXXXXX XXXX account number : XXXX These accounts were deleted and/or blocked on XX/XX/2025, as reflected in Experian Report / Number # XXXX. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless it first obtains written certification of accuracy from the furnisher and provides written notice to the consumer within XXXX business days of reinsertion. 

Experian reinserted these accounts without providing written certification of accuracy and without providing the required XXXX consumer notice, in direct violation of federal law. 

I contacted XXXX XXXX Department by phone and requested deletion, blocking, or proof of lawful reinsertion ( Case number XXXX, spoke with supervisor XXXX XXXX XXXX. Experian refused to delete or block the accounts and could not produce written certification or proof of timely notice. 

The agent also stated that internal policy prevents deletion during this call and refused to delete or block the accounts. They were unable to provide written certification of accuracy or proof of proper reinsertion notice I am requesting : XXXX. Immediate deletion of the unlawfully reinserted XXXX and XXXX accounts XXXX. Permanent block against reinsertion XXXX. Written confirmation of compliance with FCRA 611 ( a ) ( 5 ) ( B ) Failure to correct these violations may result in additional regulatory and legal action.

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