vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a closed credit card account with XXXX XXXX. The amount owed was reported as {$240.00} it had been several years since the account closed. It came delinquent because I was in prison and unable to pay. When I was released I took no action because XXXX XXXX couldnt clear the debt they no longer owned. XXXX XXXX owned it and reached out to me. I replied. Months went by and now I see a new ding on my Credit report for {$440.00} the owner is listed as XXXX XXXX XXXX. I cant find any such company, I was not informed by debt was being sold to anyone else. I call XXXX and they said theyre managing the debt for LVNV funding. ( Is that misleading name? XXXX? ) so why did they report the same debt for a new amount and reset the clock Essentially on old debt? Ruining my credit by XXXX points after all the work Id done to repair it. I paid the XXXX debt off with XXXX. But thats not going to give me my score back. How is this type of reporting legal? How is that fair? I followed recommendations that were given to me by ignoring the account because of its age and then they reset the age? And they report that same account as a new one? I dont know how else to explain what happened but Id be happy to answer any questions I think this needs to be investigated because this is a despicable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX Account Number : XXXX *, Date : XX/XX/XXXX, Balance : {$670.00} XXXX Account Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$480.00} XXXX Account Number : XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$770.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

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 2025-11-20 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:
Review the supplied information ; the inquiries were delivered without prior notice and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
New Claim Request for Written Explanation of Credit Balance Handling Message : On [ todays date ], I received a phone call from XXXX in the Bank of America claims department. She verbally denied my claim and told me to refer to my bank and find out who authorized the payment. 
She has not placed this response or explanation in the secure message portal despite my request. 
Because the bank is refusing to document its decision in writing, I am filing a new claim. 
My complaint is not about who initiated the transfer. My complaint is that Bank of America received a payment on XX/XX/year> that created a credit balance, but the bank did not refund this credit balance, later marked the account as overdrawn, and continues to hold funds owed to me in violation of Regulation Z credit-balance rules. 
I request that Bank of America : 1. Provide a written explanation of how the XX/XX/year> credit balance was handled ; 2. Explain the basis for treating my account as overdrawn ; 3. Restore and refund my credit balance ; 4. Provide all transaction history surrounding that transfer. 
Please confirm this claim in writing. 

Sincerely, XXXX XXXX Claim Numbers previously filed : 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 explanation
Consumer complaint received 2025-11-20 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: CA

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 2025-11-20 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-20 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: AL

Complaint narrative:
This letter serves as a formal dispute regarding multiple inaccurate and unverifiable accounts reporting on my XXXX credit file. These accounts contradict the data being reported by other bureaus, which makes them automatically unverifiable under federal law. 
XXXX own documented data breaches raise further concerns regarding a mixed or corrupted file. 
Accounts I Dispute XXXX 1. XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues : simultaneous open/closed/collection statuses, past-due mistakes, inconsistent dates, no contract validation. 
Request : DELETE 2. XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issues : unverifiable repossession, inconsistent balances, inaccurate past-due amounts, mismatched data across bureaus. 
Request : DELETE 3. XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Issues : derogatory reporting after settlement, contradictory data, unresolved validation request. 
Request : DELETE 4. XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues : possible duplicate collection, no documentation, differing activity dates. 
Request : DELETE XXXX DATA BREACH NOTICE Due to XXXX own security incidents, disputed accounts XXXX result from file corruption or identity compromise. Reinforcement of FACTA and FCRA 605B is required.

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 2025-11-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: FL

Complaint narrative:
" On XX/XX/year> I received a spoofed phone call appearing to come from Wisely 's official number. The caller claimed to be fraud department and warned of an unauthorized purchase in XXXX. They convinced me to approve a new card and read back a legitimate 6-digit code sent by Wisely, which allowed them to hijack my account and steal {$5400.00}. This is a known vishing scam affecting thousands of Wisely users. I am the victim of criminal impersonation and am not liable under Regulation E or XXXX zero-liability rules. Wisely is not providing provisional credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Subject : ProCollect is illegally re-aging a paid collection and reporting false late payments Complaint : ProCollect is reporting inaccurate information on my Experian credit report. 
This account was paid and closed in XX/XX/year>, yet ProCollect continues to report new late payments for XX/XX/year> and XX/XX/year>, which is impossible and violates FCRA and XXXX XXXX reporting guidelines. 

Collections are one-time events and can not report monthly delinquencies or ongoing late payments. ProCollect is re-aging the debt, which is illegal under : FCRA 623 ( a ) ( 2 ) ( furnishing accurate information ) FCRA 623 ( a ) ( 5 ) ( re-aging prohibited ) FCRA 607 ( b ) ( maximum possible accuracy requirement ) XXXX XXXX Guidelines ( collections can not carry new 30/60/90-day lates ) My XXXX report shows : Last payment date : XX/XX/year> Terms : 1 month Paid Off : Yes Status updated : XX/XX/year> Payment history showing late for XX/XX/year> and XX/XX/year> This is : Inaccurate Misleading A violation of federal credit reporting laws Damaging my credit score unfairly I request that ProCollect : Delete this account from all credit bureaus

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 2025-11-20 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: NV

Complaint narrative:
Subject : Dispute of Charged-Off Accounts, Inquiries, and Late Payments I am writing to dispute multiple items on my Equifax credit report. The following accounts are inaccurately reported as charged-off : XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} ) XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ) XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} ) XXXX XXXX ( Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  XXXX ( Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} ) XXXX XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} ) XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ) Lastly, I dispute the late payment entry from XXXX ( Account Number : XXXX ) on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 a consumer attempting to improve my credit and dispute certain accounts reported inaccurately or incompletely across the three major credit bureaus. Below is a detailed list of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-20 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: NC

Complaint narrative:
I am disputing the following accounts reported under my TransUnion credit report due to discrepancies related to charged off status and late payments. The accounts listed below are inaccurate or incomplete, and I request a thorough investigation. 

Charged Off Accounts : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00}

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: ME

Complaint narrative:
I authorized a {$30.00} XXXX  payment to XXXX XXXX from my Current checking account on XX/XX/XXXX, immediately after receiving a direct deposit of {$2000.00} on XX/XX/XXXX at XXXX XXXX. My account balance at the time of the withdrawal attempt was {$740.00}. 

On XX/XX/XXXX at XXXX XXXX, Current returned the XXXX debit as FAILED. 
This appears in my transaction history exactly as a failed withdrawal on XX/XX/XXXX. XXXX confirmed they received Currents XXXX return notice on XX/XX/XXXX, consistent with standard XXXX settlement timing. 

On XX/XX/XXXX, a + {$30.00} return credit posted. 
This is the XXXX return reversal, not a new debit attempt. 

There were no negative balances between XXXX and XX/XX/XXXX, and no point at which a {$30.00} debit could have been declined for insufficient funds. 

Despite this, Current has repeatedly told me the debit failed due to insufficient funds and has provided contradictory explanations that do not match the settlement timeline or the posted history. 

I have repeatedly requested : The XXXX XXXX XXXX used on XX/XX/XXXX The XXXX trace number A factual explanation for why a {$30.00} debit was returned with a {$740.00} balance A statement acknowledging the return was made in error so I can clear this with XXXX Current has refused to provide any of this required information. 
Support has given templated and contradictory responses over nearly four weeks. 

As a result of Currents incorrect XXXX return, XXXX closed my XXXX account and issued a late fee. 

I am requesting CFPB assistance to obtain : 1. The actual XXXX return reason code for the XX/XX/XXXX debit 2. The trace number 3. A corrected written explanation acknowledging the error 4. Reimbursement for the fee and corrective communication to XXXX This is a case of funds not being handled or disbursed as instructed, an improper XXXX return, and a failure to provide required XXXX information upon request.

Company response to consumer: Closed with explanation