vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-07 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$8100.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/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 2025-07-07 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: Synovus Bank
State: CA

Complaint narrative:
I have called First Progress on this account numerous times about charges I did not make on the {$200.00} secured card. I informed them I wanted to close the account once the investigation was complete on charges of {$110.00} which I did not make on XXXX.I called them the first week of XXXX and then again about their investigation and several times was given unclear information. I've made copies of everything with dates as online entries changed. They even sent me a new replacement card with a different number in which I did not activate.

I got a letter dated XX/XX/2025 from First Progress and it states that " You are not being held responsible for any disputed transactions yet when I look at my account online it shows a " Charged Off Balance Credit '' of {$110.00}. In addition to this I received a check in the mail for {$82.00} also dated XX/XX/2025 as the letter I received in the mail a day later. I have not cashed that check. The total of these amounts is {$200.00} which is my money,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4300.00}

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 2025-07-07 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
Im reaching out to dispute an item on my credit report that is inaccurate and already duplicated, which is affecting my credit in a negative way.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Dispute of Inaccurate and Duplicate Reporting Request for Immediate Deletion To Whom It May Concern : I am writing to dispute inaccurate information on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account listed below contains several reporting errors : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments : Sold to XXXX XXXX XXXXXXXX This account was charged off and sold to another lender. Reporting a {$0.00} balance with derogatory status after sale is misleading and inaccurate under FCRA 1681e ( b ). Continued reporting of this transferred account violates my rights under FCRA 1681c ( f ) since the debt was sold. 

Furthermore, the reporting contains inconsistent dates and incomplete information across bureaus, undermining its accuracy and verifiability.

I demand an immediate reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). If the information can not be fully verified with original creditor documentation, delete this account from my credit report. 

Please send me written confirmation of the results of your reinvestigation within 30 days as required by law. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for violations of FCRA. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was pressured and misled by a merchant in XXXX into a transaction for a vastly inflated amount. I did not consent to the final amount charged ( XXXX ), and American Express refused to support me despite the clear coercion and deceptive behavior by the merchant. This was a targeted scam. I am requesting the charge be removed and the dispute reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I contacted portfolio recovery associates llc on XX/XX/XXXX before their 30 day window requesting alleged debt to validated with also 30 says FCRA 15usc1681 no response to request over 3 months passed on XX/XX/XXXX without my consent put the alleged account number XXXX on my credit file without proper validation I immediately contacted XXXX  after dropping XXXX XXXX devastating my family goal vehicle and residence to validate debt just came back verified since XX/XX/XXXX remains I certified mail to 3 bureaus still no validation that I requested sent with ID social security birth certificate proof of residence under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I

am filing this complaint because Resurgent Capital Services/ LVNV Funding is attempting to collect a debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have disputed this alleged debt multiple times, requesting : 1. Proof of the original creditor 2. A copy of any signed contract or agreement showing I am responsible for this debt 3. A complete account history and itemization of the debt 4. Proof that LVNV Funding owns the debt or has the legal right to collect it Each time I submit my dispute, Resurgent / LVNV Funding only responds with a generic statement : Account updated, no changes or reports to the credit bureaus : Account information disputed by consumer and meets FCRA requirements. This is not a valid debt validation response under FDCPA 809 ( b ). They have failed to provide any documentation verifying that I owe this debt or that they have the right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: OR

Complaint narrative:
XXXX XXXX continues to report a charged-off auto loan with 9 late payments, despite numerous legal and factual discrepancies that Ive documented and disputed. Their internal documentation directly contradicts the timeline they claim supports the charge-off. For example, they accepted payments late into 2024 but simultaneously allege default began much earlierwithout reconciling these inconsistencies. This suggests misreporting or re-aging in violation of FCRA 607 ( b ).

They have failed to properly validate the debt under FDCPA 809 ( b ). The documents they provided include generic statements, form letters, and boilerplate contractsnone of which constitute legal validation or confirm accuracy of reporting. They ignored key facts I submitted, including a breakdown of transactions and errors in default notices.

Worse, they refuse to mark the tradeline as disputed with XXXX  or Experianviolating FCRA 623 ( a ) ( 3 ). Their CFPB responses have grown increasingly dismissive, stating they will no longer respond or review new evidenceclear noncompliance with FCRA 611. 

Their final response posture is a clear evasion of regulatory accountability and a denial of my legal rights under federal consumer protection laws. At this point, XXXX XXXX is knowingly allowing inaccurate data to remain on my credit report without conducting a fair, transparent reinvestigation. That is unacceptable.

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 2025-07-07 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: OR

Complaint narrative:
XXXX XXXX continues to report a charged-off auto loan with 9 late payments, despite numerous legal and factual discrepancies that Ive documented and disputed. Their internal documentation directly contradicts the timeline they claim supports the charge-off. For example, they accepted payments late into 2024 but simultaneously allege default began much earlierwithout reconciling these inconsistencies. This suggests misreporting or re-aging in violation of FCRA 607 ( b ).

They have failed to properly validate the debt under FDCPA 809 ( b ). The documents they provided include generic statements, form letters, and boilerplate contractsnone of which constitute legal validation or confirm accuracy of reporting. They ignored key facts I submitted, including a breakdown of transactions and errors in default notices.

Worse, they refuse to mark the tradeline as disputed with Equifax or XXXXviolating FCRA 623 ( a ) ( 3 ). Their CFPB responses have grown increasingly dismissive, stating they will no longer respond or review new evidenceclear noncompliance with FCRA 611.

Their final response posture is a clear evasion of regulatory accountability and a denial of my legal rights under federal consumer protection laws. At this point, XXXX XXXX is knowingly allowing inaccurate data to remain on my credit report without conducting a fair, transparent reinvestigation. That is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/year> stating I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my credit report from [ XXXX/Equifax/XXXX ] , I discovered that my federal student loan account was reported as 90 days late, even though my loan was in forbearance at the time. My federal student loan was in an approved forbearance period at the time of the reported late payment. As per federal loan regulations, accounts in forbearance should not be marked as delinquent. This reporting error has negatively impacted my credit score, and I am requesting an immediate correction.

No change was made, and my score is still affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/year> stating I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my credit report from [ XXXXTransUnion ] , I discovered that my federal student loan account was reported as 90 days late, even though my loan was in forbearance at the time. My federal student loan was in an approved forbearance period at the time of the reported late payment. As per federal loan regulations, accounts in forbearance should not be marked as delinquent. This reporting error has negatively impacted my credit score, and I am requesting an immediate correction.

No change was made, and my score is still affected.

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 2025-07-07 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: NY

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/year> stating I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my credit report from [ ExperianXXXX ] , I discovered that my federal student loan account was reported as 90 days late, even though my loan was in forbearance at the time. My federal student loan was in an approved forbearance period at the time of the reported late payment. As per federal loan regulations, accounts in forbearance should not be marked as delinquent. This reporting error has negatively impacted my credit score, and I am requesting an immediate correction.

No change was made, and my score is still affected.

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 2025-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor XXXX : XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXXXX/XX/XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
Th

is CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : 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