vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to correct or lawfully verify inaccurate and unverifiable information in my credit reports. Despite sending XXXX written disputes since XX/XX/XXXX, including my most recent on XX/XX/XXXX, the bureaus continue to report false or unverified information. 

Disputed Accounts Still Unresolved : XXXX XXXX XXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXX Balance : {$3200.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXX ( Balance : {$2400.00} ) XXXX XXXX  XXXX ( Balance : {$13000.00} ) Inquiries Still Unverified or Unjustified : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Violations of Federal Law : The credit bureaus repeated failure to resolve these disputes constitutes violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Despite nine dispute attempts, the bureaus have failed to provide : The method and procedures used in verifying the disputed items, The names and contact information of the furnishers involved, and Any documentation relied upon to justify continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : DEPT OF ED/XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9800.00} Reason : This account is incorrectly reporting that I have 9 late payments. On my Transunion report there are 6 late payments being reported. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Reason : This account is incorrectly reporting that I have 9 late payments. On my Transunion report there are 6 late payments being reported. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4500.00}. 
Reason : This account is incorrectly reporting that I have 9 late payments. On my Transunion report there are 6 late payments being reported. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I ordered a metal garage I was told it would take XXXX weeks the company took forever to get us drawing to get the permit for a concret pad and then after we installed the pad they told use it would take XXXX more weeks or longer Our contract with XXXX is Voided because of the time frame and we did not receive any product. Please see attachment

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 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing this complaint regarding IQ Data International, who is reporting a collection account that has already been paid in full. The debt was satisfied on XX/XX/year>, yet the collection remains on my credit report. 

I am requesting that the account be updated to show a {$0.00} balance and that IQ Data International consider requesting full removal of the collection account from my credit history. Proof of payment is attached. 

This inaccurate reporting is harming my creditworthiness despite the fact that the debt has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to correct or lawfully verify inaccurate and unverifiable information in my credit reports. Despite sending XXXX written disputes since XX/XX/XXXX, including my most recent on XX/XX/XXXX, the bureaus continue to report false or unverified information. 

Disputed Accounts Still Unresolved : XXXX XXXX XXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXX Balance : {$3200.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXXXXXX ( Balance : {$0.00} ) XXXX XXXX XXXX ( Balance : {$2400.00} ) XXXX XXXX  XXXX ( Balance : {$13000.00} ) Inquiries Still Unverified or Unjustified : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Violations of Federal Law : The credit bureaus repeated failure to resolve these disputes constitutes violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Despite nine dispute attempts, the bureaus have failed to provide : The method and procedures used in verifying the disputed items, The names and contact information of the furnishers involved, and Any documentation relied upon to justify continued 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 2025-08-29 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: CA

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve 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 non-monetary relief
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Date : XX/XX/XXXX Subject : Failure of Equifax, Experian, and TransUnion to Comply with the Fair Credit Reporting Act I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to respond adequately to my disputes regarding inaccurate and unverifiable information on my credit reports. 

I first disputed these items on XX/XX/XXXX, and sent a follow-up on XX/XX/XXXX. Despite multiple written disputes, the credit bureaus have not corrected or removed the false information and have not provided the legally required verification. 

Disputed Accounts Remaining Unresolved : XXXX XXXX ( Balance : {$3300.00} ) Account Number : XXXX ( Balance : {$2600.00} ) XXXX XXXX ( Balance : {$0.00} ) XXXX XXXXXXXX ( Balance XXXX {$0.00} ) XXXX XXXX XXXX ( XXXX : {$0.00} ) Inquiries Still Unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX entries ) 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 XXXXXX/XX/XXXX FCRA Violations : The credit bureaus have failed to comply with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Duty to provide the method of verification 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy Despite repeated requests, the bureaus have not provided : The procedures used in verifying the items, The names and contact information of furnishers contacted, or Documentation relied upon in their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am submitting this complaint to the CFPB to formally dispute numerous inaccuracies, unverifiable accounts, and unauthorized inquiries that have been reported on my credit report. These errors are materially damaging my creditworthiness, misrepresenting my financial history, and causing undue stress and financial harm. The reporting of accounts I never authorized, late payments that are false, charge-offs that are inaccurate, and collections that do not belong to me is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under Sections 601, 604, 607, 609, 611, and 623 of the FCRA, I have the right to ensure that all information reported by furnishers and credit reporting agencies is accurate, complete, and properly verified. I demand that CFPB oversee a thorough investigation and compel all involved furnishers and credit reporting agencies to correct or remove all inaccurate, unverifiable, and unauthorized information to restore my rights as a consumer and prevent further harm to my financial reputation. 

XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} Collection * * Issue : This collection account is unknown to me and can not be verified. 
Law : Under FCRA 1681i, unverifiable accounts must be deleted from consumer reports. Reporting unknown collections violates consumer protection laws.

Story : This account has no original creditor information, no account statements, and no evidence linking it to me. Its continued reporting is misleading, damaging, and constitutes a reckless disregard for accuracy. Including an unverifiable collection on my report harms my credit reputation and misrepresents my financial behavior to potential lenders.

Inquiry : XXXX XX/XX/XXXX Issue : This inquiry was unauthorized and lacks a permissible purpose. 
Law : FCRA 604 requires a permissible purpose for any credit inquiry. Without my consent, this inquiry is unlawful.

Story : I never authorized XXXX to access my credit report. Its presence is an invasion of privacy, lowers my credit score unfairly, and violates federal law. The bureau must remove this inquiry immediately. 

I am submitting this complaint to the CFPB to ensure immediate and comprehensive enforcement of my rights under the FCRA. I request that CFPB compel all furnishers and credit reporting agencies involved to investigate, verify, and correct all inaccurate, unverifiable, and unauthorized information on my credit file. I demand permanent removal of false addresses, deletion of unauthorized inquiries, and correction of all late payments, charge-offs, and collections that do not belong to me. CFPB oversight is necessary to guarantee that my credit report accurately reflects only authorized, verified, and factual information, and to prevent further violations of my consumer rights and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Email : XXXX Date : XX/XX/year> Subject : Failure of Equifax, Experian, and TransUnion to Comply with the Fair Credit Reporting Act I am filing this complaint against Equifax, Experian, and TransUnion for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes submitted since XX/XX/year>, and a follow-up on XX/XX/year>, the credit bureaus have failed to remove, correct, or verify inaccurate and unverifiable items on my credit reports. 

Disputed Accounts : XXXX XXXX XXXX, Balance : {$3100.00} XXXX  XXXX, Balance : {$16000.00} XXXX XXXX XXXXXXXX, Balance : {$23000.00} XXXX XXXX XXXX  Balance : {$6900.00} Inquiry in Dispute : XXXX XXXX XXXX XXXX, XX/XX/year> Violations : The credit bureaus have failed to comply with their obligations under the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Despite repeated requests, the bureaus have not provided : The procedures used in verifying the items The full contact information of furnishers involved Any documentation relied upon during their investigations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
There is a court order from the XXXX  account. file number XXXX. 
Says : If you are able to obtain additional information, such as a letter from the data furnisher ( s ) or a court document to support your claim of identity theft and supply it to TransUnion, we will review the additional information and, if acceptable, we will close the investigation and block the applicable items within 4-business days of receipt. 

I request block request on the fraud accounts

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 2025-08-29 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-29 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXXOn XXXX XXXX XXXX LVNV/Resurgent received my certified dispute and validation request (Tracking XXXX XXXX XXXX XXXX XXXX XXXX). Despite this, on XXXX XXXX XXXX they sent me an email attempting to collect on the same account.\n\nOn XXXX XXXX XXXX, LVNV/Resurgent mailed me a validation packet that failed to include the legally required documentation. Their letter admitted the debt is time-barred, yet they continued collection efforts.\n\nOn XXXX XXXX XXXX I sent another certified dispute letter (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX, USPS confirmed delivery of a third certified dispute letter (Tracking XXXX XXXX XXXX XXXX XXXX XXXX).\n\nDespite these disputes, on XXXX XXXX XXXX I received a collection letter from XXXX XXXX XXXX, showing the account was passed to another agency while still under dispute.\n\nViolations include:\n Failure to validate debt under FDCPA 809(b).\n Attempting to collect a time-barred debt (FDCPA 1692e).\n Continuing collection after disputes (multiple certified letters).\n Passing the account to another agency while disputed.\n Misrepresentation of my identity in correspondence.\n\nI am requesting CFPB investigation and enforcement to require LVNV/Resurgent and XXXX XXXX XXXX Cease all collection activity.\n\n\n2. Remove negative reporting from XXXX XXXX and XXXX.\n\n\n3. Comply with the FDCPA and related consumer protection laws.\n\n\n\nI have certified mail receipts, USPS delivery confirmations, copies of my dispute letters, the XXXX XXXX email, and the XXXX XXXX XXXX XXXX letter available as supporting evidence.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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