vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What Happened : I am filing this complaint against XXXX XXXX XXXX for false, misleading, and damaging credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). 

This auto loan was charged off and closed on XX/XX/XXXX, with a reported balance of {$26000.00}. Despite the account being closed and written off as a loss, XXXX continues to report the tradeline as active, delinquent, and past due every month. Their reporting includes : A confirmed payment of {$1100.00} made on XX/XX/XXXX, which is not reflected in the current balance or tradeline history The account continues to show the entire {$26000.00} as past due, even after receiving that payment They are still refreshing the tradeline monthly, with the last update recorded on XX/XX/XXXX The last payment date is listed as XX/XX/XXXX after the charge-off yet they treat the account as though no resolution or update occurred The remarks say charged off as bad debt and profit and loss write-off, but the account continues to show up on my report as if Im missing new payments This behavior is not just negligent it is deliberately misleading. The updates are suppressing my credit score, creating the false appearance of new delinquency, and violating my rights under the FCRA. 

Legal Violations Involved : FCRA XXXX ( c ) Illegal Re-Aging of Charged-Off Debt The XXXX reporting clock should begin from the original delinquency or charge-off. 

XXXX has continued to update this charged-off tradeline every month for XXXX months, from XX/XX/XXXX through XX/XX/XXXX, in an attempt to make the account look new. 

Violation Count : XXXX Statutory Damages : {$17000.00} FCRA XXXX ( a ) ( XXXX ) Failure to Accurately Report First Delinquency Date The account reflects a " last payment date '' of XX/XX/XXXX, after the charge-off, with no clear reporting of the actual original delinquency date. 

This creates a false timeline and artificially extends the reporting period. 

Violation Count : XXXX Statutory Damages : {$1000.00} FCRA XXXX ( b ) Failure to Ensure Maximum Possible Accuracy XXXX is reporting a past due balance of {$26000.00} despite accepting a {$1100.00} payment that is not accounted for in the balance or derogatory status. 

The data is materially misleading and inaccurate. 

Violation Count : XXXX Statutory Damages : {$1000.00} FCRA XXXX Failure to Conduct a Reasonable Investigation ( Expected if not corrected ) I plan to file a dispute with the credit bureaus. If XXXX fails to correct or verify this information accurately, it will violate their duty under XXXX as well. 

Potential Statutory Damages : {$1000.00}

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 2025-05-24 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: FL

Complaint narrative:
What Happened : I am filing this complaint against XXXX XXXX XXXX for false, misleading, and damaging credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). 

This auto loan was charged off and closed on XX/XX/XXXX, with a reported balance of {$26000.00}. Despite the account being closed and written off as a loss, XXXX continues to report the tradeline as active, delinquent, and past due every month. Their reporting includes : A confirmed payment of {$1100.00} made on XX/XX/XXXX, which is not reflected in the current balance or tradeline history The account continues to show the entire {$26000.00} as past due, even after receiving that payment They are still refreshing the tradeline monthly, with the last update recorded on XX/XX/XXXX The last payment date is listed as XX/XX/XXXX after the charge-off yet they treat the account as though no resolution or update occurred The remarks say charged off as bad debt and profit and loss write-off, but the account continues to show up on my report as if XXXX missing new payments This behavior is not just negligent it is deliberately misleading. The updates are suppressing my XXXX XXXX, creating the false appearance of new delinquency, and violating my rights under the FCRA. 

Legal Violations Involved : FCRA XXXX ( c ) Illegal Re-Aging of Charged-Off Debt The XXXX reporting clock should begin from the original delinquency or charge-off. 

XXXX has continued to update this charged-off tradeline every month for XXXX  months, from XX/XX/XXXX through XX/XX/XXXX, in an attempt to make the account look new. 

Violation Count : XXXX Statutory Damages : {$17000.00} FCRA XXXX ( a ) ( XXXX ) Failure to Accurately Report First Delinquency Date The account reflects a " last payment date '' of XX/XX/XXXX, after the charge-off, with no clear reporting of the actual original delinquency date. 

This creates a false timeline and artificially extends the reporting period. 

Violation Count : XXXX Statutory Damages : {$1000.00} FCRA XXXX ( b ) Failure to Ensure Maximum Possible Accuracy XXXX is reporting a past due balance of {$26000.00} despite accepting a {$1100.00} payment that is not accounted for in the balance or derogatory status. 

The data is materially misleading and inaccurate. 

Violation Count : XXXX Statutory Damages : {$1000.00} FCRA XXXX Failure to Conduct a Reasonable Investigation ( Expected if not corrected ) I plan to file a dispute with the credit bureaus. If XXXX fails to correct or verify this information accurately, it will violate their duty under XXXX as well. 

Potential Statutory Damages : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$320.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$530.00} - Account # : XXXX XXXX, XXXX - Balance : {$5600.00} - Account # : XXXXXXXX XXXX XXXX  - Balance : {$2300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: NC

Complaint narrative:
account is payed in full please delete from all credit reports i have payed this account in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-24 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: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX and were sold to a trust for a pool of investors. Although XXXX XXXX is acting as a service officer they illegally sold the debt to LVNV FUNDING I demand to see the chain of assignment and purchase agreement to see who really sold the debt to LVNV FUNDING If LVNV FUNDING does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ) Dear, TransUnion I am writing to formally dispute the accuracy of several accounts listed on my credit report. This letter is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which entitles me to dispute inaccurate or incomplete information in my credit file. 

Please investigate and remove or correct the following accounts which I believe to be inaccurately reported or unverifiable : XXXXXXXX XXXX Closed on XX/XX/XXXXXXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Multiple closures listed ( XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ) please clarify and validate reporting accuracy XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Closed on XX/XX/XXXXXXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX Additionally, I would like a thorough investigation into the collection items listed as needing attention : XXXX XXXX {$3900.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX {$450.00} I request that you verify the accuracy and completeness of these entries with the original creditors or collection agencies. If you are unable to verify any of these accounts, as required by FCRA, they must be removed from my credit report. 

Please complete the investigation within 30 days and send me an updated copy of my credit report upon completion. 

Attached are copies of my government-issued ID and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX payments requested a credit score from Equifax XXXX Equifax reported to XXXX XXXX XXXX  that my credit score was XXXX from a XXXX XXXX rating which in turn disqualified me from a charge account. After logging into My account on Equifax.com it showed that my credit rating was XXXX on a XXXX XXXX rating. I called Equifax and ask them why there was a discrepancy between the rating on my account on Equifax.com and the rating that they are giving out to potential lenders. They did not have an explanation for the inaccuracies. He went on to explain to me that because of my bankruptcies my credit score will be low. I did not dispute that fact but since my bankruptcy I have done a lot of work to repair my credit and my accurate credit score speaks to that evidence. I got divorced and XXXX XXXX which caused me to have to file for bankruptcy, it happens but that is not a reason for the inaccuracies. Regardless of my bankruptcy the representative did not give me a reason for the discrepancy and why inaccurate information is being given to lenders on my behalf which is causing me to be denied credit. I constantly monitor my credit rating on Equifax.com and the other credit bureaus for this reason. I need for this discrepancy to be fixed and I need for Equifax to write a letter to XXXX XXXX XXXX  apologizing for the reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XX/XX/year>, I opened a checking account number XXXX XXXX with Wells Fargo Bank , N.A . under bonus offer code XXXX. The offer states " Offer is not available to customers that received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. '' Wells Fargo is insisting that I am ineligible for the offer because I received a bonus in the past 12 months. However, it has not provided me with any documentation to support its position. In the absence of any evidence to show that I received a bonus in the past 12 months, Wells Fargo should deposit the bonus amount of {$400.00} to my said checking account.

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 2025-05-24 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:
Formal Dispute of Inaccurate and Unverifiable Accounts Pursuant to FCRA DEMAND FOR DELETION

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 2025-05-24 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: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Finances sent through XXXX through Bank of America, were uncovered due to sent to the wrong 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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I sent a certified letter to CREDIT COLLECTION SERVICES requesting documentation related to my account. Specifically, I asked for the original account number, the date the account was opened, a payment history ledger, the date of the last payment, and any documents that bore my handwritten signature. This account is currently Placed for collection. Additionally, I requested a response within thirty days of sending the letter. However, I have yet to receive a written response from this creditor validating the debt.

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