vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: MD

Complaint narrative:
Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX # XXXX Dear CFPB Representatives, I am writing to file a formal complaint against Experian for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX # XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ).

Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 
2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me.

3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 
4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions.

5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me.

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to Experians failure to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Yes i tried to apply for a home loan and was denied due to open accounts charge off late payments to accounts that I did not authorize open. There is XXXX credit card account that I did not authorize. They just came on my credit report saying that I owe and theyre closed and I never authorize any of those accounts to be open. I did not authorize any XXXX XXXX credit cards to be open under my name. I did not authorize. XXXX first account I never authorized

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 2025-06-06 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: CA

Complaint narrative:
Yes i tried to apply for a home loan and was denied due to open accounts charge off late payments to accounts that I did not authorize open. There is XXXX credit card account that I did not authorize. They just came on my credit report saying that I owe and theyre closed and I never authorize any of those accounts to be open. I did not authorize any XXXX XXXX credit cards to be open under my name. I did not authorize. XXXX first account I never authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is showing as charged off account. When payment was agreed to close account, I was told it would not show as charged off or delinquent on my credit bureau. There are 3 account total - one is correct as paid in full as agreed but the other 2 are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
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: PA

Complaint narrative:
On XX/XX/year> at XXXX we received and email from XXXX XXXX XXXX XXXX, of Community XXXX XXXX XXXX XXXX XXXX XXXX  XXXX assisting us in a program to help us in purchasing a home in XXXX XXXX XXXX XXXX  XXXX Since it is very important for us to be qualified to purchase a home, our credit must be very good in order to be able to qualify for a loan and at that time she checked the credit of myself and my wife, and under my name she found the following items that need to be worked on and removed. Forms have been received and attached to your file. 
Below please find requested information for account that is in collections with the balance of {$4000.00}. Company account is under XXXX XXXX Resurgent Capital Services, XXXX XXXX  XXXX on account Account in dispute. This account is being reported on your report from XXXX XXXX XXXX XXXX  XXXX. Please let me know if you have any other questions. XXXX instructed me to contact both Resurgent and XXXX  to resolve this and have Resurgent removed from my Credit Report. Beginning XX/XX/year> I began to make multiple calls to Resurgent and XXXX  to resolve this including Dispute dated XX/XX/year> confirmation # XXXX which later led to XXXX  not taking any action at all. On XX/XX/year> my son received a copy of the Promissory Note showing from Resurgent showing his signature is on the application and we called Equifax to let them know, but they both XXXX  and Resurgent still state that I am still responsible to pay the loan because my son defaulted and did not complete paying the personal loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution.

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action. 

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken. 

Sincerely,

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 2025-06-06 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:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Im requesting a goodwill adjustment for late payment reporting on my federal student loans serviced by XXXX. Like many borrowers, I misunderstood when payments resumed after the COVID-19 forbearance period ended. I did not resume payments when required in XX/XX/XXXX, but not because of financial hardship I simply believed the pause was still in place. 

Once I became aware that the loans were reporting as delinquent, I immediately brought all accounts current in XX/XX/XXXX and have made on-time payments since. I also enrolled in auto-pay to prevent future issues. 

I reached out directly to XXXX on XX/XX/XXXX and followed up on XX/XX/XXXX requesting a goodwill adjustment, but the company denied my request without offering a full explanation or path forward. 

Im not disputing that the late payments occurred Im only asking for consideration to have the negative marks removed based on good faith and prompt correction of the issue. These late payments have significantly impacted my credit, and Im asking for assistance in restoring my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Im requesting a goodwill adjustment for late payment reporting on my federal student loans serviced by XXXX. Like many borrowers, I misunderstood when payments resumed after the COVID-19 forbearance period ended. I did not resume payments when required in XX/XX/XXXX, but not because of financial hardship I simply believed the pause was still in place. 

Once I became aware that the loans were reporting as delinquent, I immediately brought all accounts current in XX/XX/XXXX and have made on-time payments since. I also enrolled in auto-pay to prevent future issues. 

I reached out directly to XXXX on XX/XX/XXXX and followed up on XX/XX/XXXX requesting a goodwill adjustment, but the company denied my request without offering a full explanation or path forward. 

Im not disputing that the late payments occurred Im only asking for consideration to have the negative marks removed based on good faith and prompt correction of the issue. These late payments have significantly impacted my credit, and Im asking for assistance in restoring my credit standing.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Im requesting a goodwill adjustment for late payment reporting on my federal student loans serviced by XXXX. Like many borrowers, I misunderstood when payments resumed after the COVID-19 forbearance period ended. I did not resume payments when required in XX/XX/XXXX, but not because of financial hardship I simply believed the pause was still in place. 

Once I became aware that the loans were reporting as delinquent, I immediately brought all accounts current in XX/XX/XXXX and have made on-time payments since. I also enrolled in auto-pay to prevent future issues. 

I reached out directly to XXXX on XX/XX/XXXX and followed up on XX/XX/XXXX requesting a goodwill adjustment, but the company denied my request without offering a full explanation or path forward. 

Im not disputing that the late payments occurred Im only asking for consideration to have the negative marks removed based on good faith and prompt correction of the issue. These late payments have significantly impacted my credit, and Im asking for assistance in restoring my credit standing.

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 2025-06-06 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 submitting this complaint to formally report that all three credit bureaus TransUnion, Experian, and Equifax are willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, outdated, and unverifiable negative information on my credit report. 

I disputed multiple accounts with each bureau. Yet, they failed to conduct proper investigations, as required under 15 U.S. Code 1681i, and did not provide adequate explanations or verification documentation as required under Section 3 ( C ) ( i ) - ( ii ) of that statute.

Furthermore, they are violating 15 U.S. Code 1681e ( b ) by not following reasonable procedures to ensure maximum possible accuracy. Several derogatory accounts remain even though they are either : charged off and resolved, purchased by another creditor, or factually incorrect.

Also, per 15 U.S. Code 1681s-2 ( a ) ( 1 ), furnishers are prohibited from knowingly continuing to report inaccurate data but these accounts remain with false balances, statuses, or are duplicative. 

Disputed Accounts Causing Harm : Creditor Name Issue Emotional Harm / Impact XXXX XXXX Charged off, should be deleted XXXX, credit denials XXXX Charged off & sold still reporting Rejected for rental XXXX XXXX XXXX Inaccurate open collection XXXX XXXX, frustration XXXX XXXX XXXX XXXX not properly updated Ongoing financial harm XXXX 30-day late mark w/ no prior notice XXXX and confusion These inaccurate reports have caused me to lose access to housing, employment offers, and fair credit. I've faced rejection after rejection not because of who I am, but because of what these bureaus refuse to fix. 

The emotional toll has been severe : Ive dealt with XXXX, disrupted sleep, and the stress of knowing my financial reputation is being sabotaged even as I try to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
So I would constantly get phone calls from Midwest resale and they ask for XXXX XXXX and they say if this is not XXXX XXXX they tell me to disregard the message but they keep calling and keep asking for XXXX XXXX I have something numerous emails I have something with screenshot of them calling and ask them to stop and they don't they constantly call I'm not XXXX XXXX they're asking for the wrong person and they need to stop!! I got a call on XX/XX/XXXX, XX/XX/XXXX and there is a bunch of other days that they called and one of the screenshots I have they left a message and it said exactly what I said to you!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Called Credit Accenptance to come Repossess the Vehicle and instead try to influence me to lower the payments or get a new vehicle. Didnt want the vehicle. They refused to take it back.

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is fraudulent, inaccurate, and false information. The accounts have caused several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached copy of FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
Ive contacted the creditor directly about this inaccurate late payment with no resolution. I am now seeking CFPB assistance. I paid this account on time and have proof of payment. Please help correct 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
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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