vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
> I am requesting the Consumer Financial Protection Bureaus assistance with inaccurate and unresolved information on my TransUnion credit report. 

On XX/XX/2025, I attempted to file disputes through TransUnions online system regarding : XXXX  XXXX XXXX XXXX Account # XXXX ( reported as charged-off, unpaid ) XXXX  XXXX XXXX  Account XXXX XXXX ( reported as 60 days late ) Several hard inquiries from XXXX by auto dealers and lenders that I did not authorize. 

The TransUnion website produced repeated errors and would not allow me to create an account or submit my dispute online. Because of this, I have been unable to properly dispute inaccurate and potentially unauthorized information. 

I am asking the CFPB to contact TransUnion to ensure my dispute is accepted and investigated under the Fair Credit Reporting Act ( FCRA ). I also request that any unverifiable, inaccurate, or unauthorized items be deleted from my credit file and that I receive written confirmation of the results. 

Attachments : TransUnion credit report ( dated XX/XX/2025 ) Dispute letter draft Proof of identity and address Desired outcome : I would like TransUnion to open my disputes immediately, investigate within the FCRA time frame, correct or delete any unverifiable accounts and inquiries, and provide me with an updated 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
Consumer complaint received 2025-10-30 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: IN

Complaint narrative:
I am submitting this complaint as my XXXX round follow-up demanding the permanent removal of the following charged-off, collection, and unauthorized inquiry entries that continue to appear on my credit report. Despite multiple previous disputes, these inaccurate and unverified items remain, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as Charged Off, yet no valid Form 1099-C ( Cancellation of Debt ) has been issued or verified for a balance above {$600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit bureaus are required to maintain the maximum possible accuracy of reported information. Reporting this debt without a valid 1099-C violates federal accuracy standards and constitutes unverified reporting. I demand its permanent deletion from my credit file. 
XXXX, XXXX XXXX XXXX XXXX : {$5900.00} XXXX  This collection account remains unverified. Under FDCPA 809 [ 15 U.S.C. 1692g ], debt collectors must provide proof of debt validation upon request. Since no verification has been provided, the reporting of this account violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which mandates the removal of unverifiable or inaccurate information. I demand permanent removal of this collection entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my knowledge or authorization, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which state that consumer reports may only be accessed with explicit consent from the consumer. These unauthorized inquiries must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Acceptance Corporation [ XXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] Re : Request for Validation of Debt Amount : {$360.00} To Whom It May Concern, I am writing in response to a notice or communication regarding an alleged debt in the amount of {$360.00}, which is claimed to be owed to World Acceptance Corporation. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information : 1. The name and address of the original creditor, if different from your company.

2. A detailed statement of the amount owed, including interest, fees, and other charges.

3. A copy of the original signed agreement or contract showing that I agreed to this debt.

4. Documentation that your company is authorized to collect this debt in my state.

5. The date of the last payment made on this account, if applicable. 

Until this information is provided, please cease all collection activity and refrain from reporting this debt to any credit bureaus, or remove any existing reports, as the debt remains unvalidated. 

This request is not a refusal to pay but a statement that your claim is disputed until proper validation is received. 

Thank you for your cooperation. Please respond in writing to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
CFPB Complaint XXXX XXXX  ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Complainant : XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Filed Against : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Data Furnisher : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX Subject : Inaccurate and Illegal ReAging of ChargedOff Account Fifth Attempt for Human Verification Summary of Complaint This complaint involves the improper and inaccurate reporting of my closed and chargedoff XXXX XXXX  account ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) by Equifax. Although the account became delinquent on XX/XX/XXXX and has had no consumer activity since, Equifax continues to report new updates showing a Date Reported of XX/XX/XXXX. This artificially reages the account, extends its reporting period, and falsely impacts my creditworthiness. Despite multiple prior disputes, Equifax has not provided humanverified documentation from XXXX XXXX  to justify these entries, relying instead on automated eOSCAR responses. 
XXXX False Date Reported. Account was closed and charged off in XXXX but shows Date Reported XX/XX/XXXX a clear case of illegal reaging under FCRA 605 ( c ) and 607 ( b ). 
XXXX Missing Date of Last Activity. Omission prevents accurate XXXX limit calculation and violates FCRA 623 ( a ) ( 5 ). 
XXXX ReInsertion Without Notice. Rereporting a XXXX chargeoff as updated in XXXX without notification breaches FCRA 611 ( a ) ( 5 ) ( B ). 
4 Inconsistent Status Reporting. Tradeline continues to update despite status Charged Off, which misleads creditors and violates 607 ( b ). 
XXXX Balance Inflation / ReAging of Debt Amount. Balance ( {$2300.00} ) exceeds credit limit ( {$2000.00} ) without transactional proof, violating FCRA 623 ( a ) ( 1 ) ( A ) and CFPB Regulation V 1022.42 ( a ). 
6 Failure to Provide Human Verification. All prior disputes were processed via automated systems without documentary evidence from XXXX XXXX, violating 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ). 
Requested Resolution I respectfully request that the Consumer Financial Protection Bureau compel Equifax and XXXX XXXX  to : XXXX. Provide full, humanverified documentation confirming account ownership, balance accuracy, and reporting history. 
XXXX. If verification can not be provided within 30 days, permanently delete this tradeline from all credit files. 
XXXX. Ensure no reinsertion occurs without prior written notice and supporting proof per 611 ( a ) ( 5 ) ( B ). 
XXXX. Acknowledge statutory damages of {$1000.00} per violation under XXXX for continued noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

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 2025-10-30 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: FL

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: WA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Mercury Banks recent decision to close my business account ( company name : XXXX XXXX XXXX ) without any clear reason or prior notice. 

My account had always been in good standing, with no violations of terms or irregular activities. However, Mercury Bank suddenly notified me that my account would be closed, offering no specific explanation despite multiple inquiries. 

This unexpected closure has caused serious disruption to my business operations, including delays in payments to vendors and clients. The lack of transparency and justification from Mercury Bank has severely impacted my companys financial stability and credibility. 

I respectfully request that the CFPB investigate this matter and require Mercury Bank to provide a clear explanation for the closure, as well as to review whether proper procedures and fair banking practices were followed. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate and inconsistent reporting by XXXX XXXX on my credit reports. This creditor is reporting my account with different statuses and balances across the XXXX XXXX  credit bureaus XXXX, XXXX, and XXXX. For example, XXXX bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$940.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  -- Balance : {$530.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
Mercury Financial ( Mercury XXXX ) has repeatedly called my phone to harass me regarding a past-due credit card account. Since XX/XX/year>, they have called XXXX times from XXXX, then an addition XXXX calls in this billing cycle alone from XXXX. 

The calls came from ( XXXX ) XXXX and ( XXXX ) XXXX, often multiple times per day and even on Sundays, which is not a reasonable time or day to contact a consumer under federal law. 

This pattern violates the CFPBs Regulation F ( 7 calls in 7 days per account ) and the Fair Debt Collection Practices Acts prohibitions on harassment, abuse, and repeated calls intended to annoy or coerce payment. 

This violates federal law : Excessive frequency : More than 7 calls in a 7-day period regarding the same debt violates 12 C.F.R. 1006.14 ( b ) ( 2 ).

Calls on Sundays : Contact on Sundays and outside normal hours may violate 15 U.S.C. 1692c ( a ) ( 1 ).

Harassment through repeated attempts : Persistent, near-daily calls demonstrate intent to harass under 15 U.S.C. 1692d ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : LVNV FUNDING - XXXX - Under 15 USC 1681 s2- Responsibilites of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. - Please delete immediately. 
LVNV FUNDING - XXXX - Under 15 USC 1681 s2- Responsibilites of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. - Please delete immediately. 
I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. PLEASE SEND ME THE TRACKING NUMBER AS WELL.FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Equifax properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
Please correct/update this inaccurate information on 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