vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-27 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: WI

Complaint narrative:
Everytime I tried to pay my bill, spam pop up windows and oversolicitaion prevented me from verification of my charges. My payment due date with compounded interest would change frequently without my knowledge. I know I paid enough and on time enough to cover my charges with merchants. Discover 's software simply illegally manipulates account holders until it can profit on everyone causing inflationary pressure that is distroying our economy. I even tried to settle the debt with an attorney and they won't take anymore payments so they can obtain a judgment and attempt to foreclosureclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: KS

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

Company 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is willfully ignoring federal bankruptcy discharge documentation and refusing to correct inaccurate credit reporting. 

In XX/XX/XXXX, I received a XXXX  XXXX bankruptcy discharge that legally eliminated all qualifying debts, including a personal loan from XXXX XXXX XXXX. 

FIRST DISPUTE ( Submitted XX/XX/XXXX - Completed XX/XX/XXXX ) : I disputed the XXXX  account because it showed as " Charge Off '' instead of reflecting the bankruptcy discharge. I provided my official bankruptcy discharge order as proof the debt was eliminated. 

FIRST VIOLATION : Equifax responded that they " verified '' the account as accurately reported and kept it as " Charge Off '' with no mention of bankruptcy. 

SECOND DISPUTE ( Submitted XX/XX/XXXX - Completed XX/XX/XXXX ) : I filed another dispute with additional documentation : my bankruptcy discharge order AND the official bankruptcy schedules showing this specific debt was included in my bankruptcy filing. I explained the debt was legally eliminated by federal court order. 

SECOND VIOLATION : Equifax again claimed they " verified '' the information as accurate and continues reporting it as " Charge Off. '' THE PROBLEM : A discharged bankruptcy debt can not legally be reported as a charge-off because the debt no longer exists. I provided official federal court documents proving this, yet Equifax ignores clear evidence and continues misreporting. At the time of my second dispute I also sent corresponding documentation of my discharge to the compliance department of XXXX, yet received no response. 

IMPACT : This damages my credit score and misrepresents my legal obligations to potential creditors. The debt was eliminated by federal law, but Equifax makes it appear I still owe money. 

This appears to be willful violation of the Fair Credit Reporting Act- they have been shown definitive proof twice and refuse to correct obvious errors. 

I filed two separate disputes with Equifax in XX/XX/XXXX regarding this discharged debt. While I don't have copies of my original dispute submissions, I have attached Equifax 's responses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have discovered public records associated with my credit report that I do not recognize, which is deeply concerning. I urgently request the removal of these entries, as they are causing me significant anxiety 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: IN

Complaint narrative:
I am filing a complaint regarding Republic Finance, account number XXXX. This account is showing as a charged-off debt on my credit report. 

On XX/XX/year>, I sent a formal debt validation letter via Certified Mail to the address provided on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 

The letter was returned to me as " Return to Sender '' with a note indicating the address was not valid. I have attached documentation showing this.

Republic Finance is reporting this debt on my credit report but is not providing a valid contact address for me to exercise my right to validate the debt. This violates my rights under the Fair Credit Reporting Act.

I am requesting that Republic Finance provide me with a valid address to send a validation request, or that the company immediately remove this inaccurate and unverified account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt your company claims I owe. I am requesting verification of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Please provide the following documentation : 1. The original contract or account agreement showing that I am legally obligated for this debt.

2. An itemized statement of all charges and fees allegedly owed.

3. Proof that LVNV Funding LLC has the legal right to collect this debt.

Until you provide proper verification, you are required to cease all collection activity and must not report this account to any credit reporting agencies, or you must remove it from my credit file if already reported. 

If you can not validate this debt, you are required to delete it from my credit report and confirm in writing that no further collection efforts will be made. 

Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
So it was an account with XXXX back from XXXX. Which then XXXX ended up going out of business and they sold the debt now they are saying its from only a month ago and that its a new debt and that its gon na be on my credit report until XXXX so they are re-aging it.

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 2025-08-27 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:
My mortgage with XXXXXXXX XXXX XXXXXXXX and my auto loan with XXXX XXXX XXXX are being inaccurately reported by all three credit bureaus as Discharged through XXXX  XXXX Bankruptcy. 

This is false. These accounts were not discharged and remain open and active : I continue to make monthly payments on both. 

Steps I have taken : Disputed with TransUnion ( XX/XX/year>, Dispute ID : XXXX ). 

TransUnion closed dispute without investigation ; XXXX  and Equifax continue reporting them inaccurately. Equifax does report the XXXX as open, XXXX shows discharged in 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 2025-08-27 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and incomplete reporting by XXXXXXXX XXXX on my credit file. The account was reported as charged-off after only XXXX days of delinquency, which is inconsistent with industry standards and misleading under FCRA 623. I have disputed this account with XXXX  twice, and while the furnisher updated some dates, they failed to correct the inaccurate charge-off timeline or provide proof of accuracy.

Additionally, despite my disputes, the account does not reflect the required consumer disputes this account notation. This violates FCRA 623 ( a ) ( 3 ), which requires furnishers to indicate a dispute when an account is under investigation.

The furnisher continues to update the tradeline without resolving the underlying inaccuracies or providing proper verification. This has caused ongoing harm to my credit profile and ability to access fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
USC Sec 15, 1681, 1682, 1683, 1684, 1028g, 1666b these late payments needs to be removed according to FCRA and FTC laws. 

We are asking that ally financial late payment for XX/XX/XXXX be removed being that on XXXX  its showing a late payment of XXXX ( XXXX ) which is totally inaccurate and therefore needs to be removed under the FCRA and FTC 1666b law. 

XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} XX/XX/XXXX late payment We are also requesting this late payment of XX/XX/XXXX be removed as well from XXXX XXXX XXXX. It's inaccurate and under 1666b this late payments needs to be removed. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00} XX/XX/XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute a fraudulent account appearing on my credit report. I never authorized or opened this account, and its reporting is entirely false. The inclusion of this account misrepresents my financial responsibility and is causing undue harm.

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 2025-08-27 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-08-27 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: PR

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : Inquiry - XXXX  XX/XX/XXXX Inquiry - XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief