vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRUIST XXXX XXXX  CHECKING ACCOUNT # XXXX FRAUDULENT CHARGES FOR {$1000.00} XXXX POLICE REPORT # XXXX XXXX XXXX XXXX SHERIFFS OFFICE HELLO , I AM VERY UPSET BECAUSE I COULD NOT ACCESS THIS ACCOUNT DUE TO AN ERROR BY THE BANK. MY ACCOUNT WAS ACTUALLY INACTIVE SO I DO NOT UNDERSTAND WHY THE DEBIT CARD THAT WAS LOST WAS ABLE TO BE CHARGED. THESE TRANSACTIONS WERE SUPPOSED TO BE DECLINED. 

I AM SO UPSET BECAUSE WHEN I CALLED THEM I GAVE THEM ALL MY PERSONAL INFORMATION SUCH AS NAME, DATE OF BIRTH, SOCIAL, TAX ID, ECT AND THEY SAID THEY WERE UNABLE TO LOCATE THE ACCOUNT AND COULDNT ACCESS MY ACCOUNT. I WAS VERY WORRIED BECAUSE MY WALLET WITH MY BUSINESS CARDS WAS LOST. 

I FILED A POLICE REPORT AND PROVIDED THEM WITH THE REPORT NUMBER. I KEPT CALLING AND FINALLY SOMEONE WAS ABLE TO HELP ME AND LOCK THE CARD AND TOLD ME THERE WERE A BUNCH OF CHARGES BUT I NEEDED TO GO INTO THE BRANCH TO REACTIVATE MY ACCOUNT AND CALL BACK ONCE I CAN VIEW THE CHARGES TO OPEN A CLAIM. 

THEREFORE, I WENT INTO THE BRANCH TO FIX MY ACCOUNT AND THEN CALLED TO OPEN A FRAUD CLAIM. I JUST RECEIVED CORRESPONDENCE IN THE MAIL THAT THEY ARE NOT GOING TO INVESTIGATE OR CREDIT THE MONEY BACK BECAUSE I TOOK TOO LONG TO FILE A CLAIM!! THAT IS RIDICULOUS! I NEVER GOT ANY FRAUD ALERTS AND NO IDEA THE CARD WAS EVEN BEING USED. I DIDN'T FIND OUT UNTIL LATER ON BECAUSE THE BANK TOLD ME THIS ACCOUNT WAS INACTIVE!! 

I RECEIVED A LETTER FROM THE BANK ON XX/XX/year> ASKING ME TO FILL OUT AND SIGN THE FRAUD CLAIM AND PROVIDE ANY ADDITIONAL INFORMATION SUCH AS A POLICE REPORT NUMBER WHICH I DID. THEREFORE, I HAVE NO IDEA WHY ON EARTH THEY WOULD NOT WANT TO CONTINUE INVESTIGATING THE FRAUD CLAIM! 

I JUST RECEIVED NOTICE FROM THE BANK THAT THEY ARE NOT GOING TO HELP ME!! PLEASE I NEED YOUR HELP TO GET THE MONEY BACK INTO MY ACCOUNT FROM THIS FRAUD CLAIM. HOW CAN MY OWN BANK WHO IS SUPPOSED TO PROTECT ME FROM FRAUDULENT ACTIVITY DENY TO HELP ME!

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 2025-08-07 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: CA

Complaint narrative:
I filed an FTC report like they asked and sent it to Equifax by mail and they didn't remove the fraudulent inquiry. They said they couldn't read the report number. They continue to give me the run around for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 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 explanation
Consumer complaint received 2025-08-07 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: TX

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 2025-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Failure to Provide Method of Verification and Continued FCRA Violations To Whom It May Concern, This letter responds to Equifaxs XX/XX/XXXX, reply regarding my disputes filed on XX/XX/XXXX and XX/XX/XXXX. Your response failed to resolve the core legal issues raised and disregards my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite XXXX formal requests, you have not provided the legally required Method of Verification ( MOV ) for any of the following accounts : XXXX XXXXXXXX Acct # XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( charged off, multiple lates, no proof of debt or contract ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( collections, no validation or original contract, only appearing with Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( charged off, sold, unverifiable ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( repossession reported as derogatory despite being redeemed and current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( late payment history with no documentation, account is closed and paid ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( past delinquencies reported, despite being paid and closed since XXXX ) You failed to meet your obligations under : FCRA 611 ( a ) ( 1 ) ( A ) No reasonable reinvestigation FCRA 611 ( a ) ( 7 ) No Method of Verification ( names, dates, documents, contracts ) FCRA 1681e ( b ) Failure to ensure maximum possible accuracy Simply forwarding disputes to furnishers without verifying the documentation yourself does not satisfy FCRA requirements. You are obligated to provide actual evidence when verification is formally requested.

I Now Formally Demand : Complete Method of Verification for each account listed above Immediate deletion of any account where proper verification can not be produced A written explanation for your prior failure to comply with FCRA 611 ( a ) ( 7 ) Legal Notice : If I do not receive a satisfactory response within 15 calendar days, I will escalate by : Submitting a renewed complaint with the CFPB, with detailed rebuttal Filing a formal FTC complaint Contacting my state attorney general Pursuing legal action under FCRA 1681n and 1681o for damages, court costs, and attorney fees I have provided you with more than one opportunity to comply. You are now on notice. Continued noncompliance will be met with legal consequences. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed a collection account being reported by LVNV Funding XXXX Resurgent Capital XXXX  to XXXX  on XX/XX/year>. I provided documentation showing that the company reporting the account ( XXXX  ) refuses to communicate with me due to a communication restriction, and that the XXXX collector they referred me to ( XXXX XXXX XXXX XXXX XXXX in writing that they are not the data furnisher and can not update or remove the account from my credit report. 

Despite this, XXXX  confirmed the account as verified, leaving the negative tradeline on my credit report without addressing the core of my dispute that the information is not verifiable under FCRA because no one is taking responsibility for furnishing or validating the data. 

I am requesting a full investigation and the removal of this account from my credit report, as the furnisher failed to respond properly, and the credit bureau failed to follow proper dispute procedures under the FCRA. 

I have records of the communication with both XXXX and XXXX XXXX XXXX and can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute the accuracy and validity of several items listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I respectfully request that you investigate and remove the following inaccurate, unverifiable, or outdated accounts from my credit report immediately. 

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$110.00} Date Opened : XX/XX/year> Dispute Reason : I do not recognize this account. Please provide complete verification including original creditor, signed contract, and payment history. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Open Account Balance : {$1900.00} Date Opened : XX/XX/year> Dispute Reason : This account is being reported inaccurately and may be a result of identity theft or error. I request full validation. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$150.00} Date Opened : XXXX ( Incomplete date ) Dispute Reason : This debt is not valid or verifiable. I request full validation or immediate removal. 
XXXX XXXX XXXX XXXX Account Number : XXXX Type : [ Unknown Please Specify if Collection or Installment ] Dispute Reason : This item is inaccurately reported. I request detailed documentation and validation per FCRA standards. 



These accounts are either not mine, inaccurately reported, unverifiable, or are a result of error or fraud. Please complete a full investigation and provide me with written proof of your findings and actions taken. If you can not verify the accuracy of these accounts within 30 days, they must be deleted from my credit file, IMMEDIATELY! 



Please confirm in writing that the investigation has been completed and that any necessary deletions or corrections have been made. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute the accuracy and validity of several items listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I respectfully request that you investigate and remove the following inaccurate, unverifiable, or outdated accounts from my credit report immediately. 

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$110.00} Date Opened : XX/XX/year> Dispute Reason : I do not recognize this account. Please provide complete verification including original creditor, signed contract, and payment history. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Open Account Balance : {$1900.00} Date Opened : XX/XX/year> Dispute Reason : This account is being reported inaccurately and may be a result of identity theft or error. I request full validation. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$150.00} Date Opened : XXXX ( Incomplete date ) Dispute Reason : This debt is not valid or verifiable. I request full validation or immediate removal. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Type : [ Unknown Please Specify if Collection or Installment ] Dispute Reason : This item is inaccurately reported. I request detailed documentation and validation per FCRA standards. 



These accounts are either not mine, inaccurately reported, unverifiable, or are a result of error or fraud. Please complete a full investigation and provide me with written proof of your findings and actions taken. If you can not verify the accuracy of these accounts within 30 days, they must be deleted from my credit file, IMMEDIATELY! 



Please confirm in writing that the investigation has been completed and that any necessary deletions or corrections have been made. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: FL

Complaint narrative:
Foundation XXXX used to finance a water softener through XXXX XXXXXXXX XXXX XXXX XXXX XXXX The water softener was installed in XXXX and no statements were received to be able to set up an account and make payments. Company was called and then said to wait for the first statement and use the account number to sign up. On XX/XX/XXXX, my wife received a phone call from Foundation saying our payment was 10 days past due and they would sign us up for XXXX autpay over the phone. They said no fees were assesed due to their " 10 day grace period. '' Today ( XX/XX/XXXX ) I received all of the past statements in the mail and XXXX letters saying we were overdue. I used them to create an account and log in to Foundation. NO WHERE on the statements or the website does it state our XXXX. The statements have a section for it and it just states " XXXX  '' I called Foundation and they were unable to provide that information and said I would receive a call back from a supervisor which didn't happen. Currently we have nothing past due as a payment was made over the phone and somehow our current balance is higher than the original amount financed with no explanation as to why. The only information we can get from them is how much we owe and the payment amount, and how much we owe continues to go up slowly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief