vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: Atlantic Collection Agency, Inc.
State: TX

Complaint narrative:
I an not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX, I do not have a contract with ATLANTIC COLLECTION AGEN, they did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WY

Complaint narrative:
I have disputed the following account several times because of the inaccurate inconsistent information on my credit reports with transunion XXXX.equifax finally deleted this account but transunion and Experian are reporting this collection/charge off as open account and it's not open which is manipulation of the statue of limitations for this account.name of account XXXXXXXX XXXX  account number XXXX with a balance of {$26000.00} delete this account immediately

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 2025-06-12 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: ME

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure XXXX : XX/XX/XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
I reviewed my recent credit report and noticed some fraudulent. Please remove these accounts from my report as it affects my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I completed a XXXX XXXX XXXX with all payments made in full, final disbursement on XX/XX/XXXX, and plan completion officially filed. 

XXXX reported my student loan as XXXX days late in XX/XX/XXXX, which falsely implies missed payments starting in XX/XX/XXXX during a time I was under full XXXX protection and actively paying through the court. I also had no missed payments in XXXX or XXXX, and my loan entered forbearance shortly after completion, with the next due date listed as XX/XX/XXXX. 

XXXX own system confirms that no payments were required during XXXX Reporting me delinquent at that time violates the Fair Credit Reporting Act and XXXX protections. 

Ive included a detailed letter and documentation to support my dispute and request correction.

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 2025-06-12 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: LA

Complaint narrative:
I completed a XXXX XXXX XXXX with all payments made in full, final disbursement on XX/XX/XXXX, and plan completion officially filed. 

XXXX reported my student loan as XXXX days late in XX/XX/XXXX, which falsely implies missed payments starting in XX/XX/XXXX during a time I was under full XXXX protection and actively paying through the court. I also had no missed payments in XXXX or XXXX, and my loan entered forbearance shortly after completion, with the next due date listed as XX/XX/XXXX. 

XXXX own system confirms that no payments were required during XXXX Reporting me delinquent at that time violates the Fair Credit Reporting Act and XXXX protections. 

Ive included a detailed letter and documentation to support my dispute and request correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I completed a XXXX XXXX XXXX with all payments made in full, final disbursement on XX/XX/XXXX, and plan completion officially filed. 

XXXX reported my student loan as XXXX days late in XX/XX/XXXX, which falsely implies missed payments starting in XX/XX/XXXX during a time I was under full XXXX protection and actively paying through the court. I also had no missed payments in XXXX or XXXX, and my loan entered forbearance shortly after completion, with the next due date listed as XX/XX/XXXX. 

XXXX own system confirms that no payments were required during XXXX. Reporting me delinquent at that time violates the Fair Credit Reporting Act and XXXX  protections. 

Ive included a detailed letter and documentation to support my dispute and request correction.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account being reported by LVNV Funding LLC on my XXXX  credit report, showing an open date of XX/XX/XXXX, with a balance of {$640.00}, and marked as past due as of XX/XX/XXXX. 

I do not recognize this debt, nor did I authorize any account with LVNV Funding LLC. This appears to be a fraudulent or inaccurately reported collection account. I believe this is either the result of identity theft or a reporting error. 
I have submitted a dispute directly to XXXX under 15 U.S. Code 1681c-2, requesting that the account be blocked and removed. However, I am seeking further assistance from the CFPB to ensure this company is investigated for their reporting practices, and that this item is removed from my credit profile immediately.

I have no documentation or prior contact regarding this alleged debt.

I have never received a bill or validation of debt from LVNV Funding LLC.

I am requesting that the CFPB require LVNV Funding LLC and XXXX  to Fully investigate the accuracy and legitimacy of this account. 
Provide validation and documentation of the alleged debt, if any exists. 
Remove or block the account from all credit reporting agencies if it can not be verified as accurate and authorized. 
Prevent further damage to my credit based on unverified and potentially fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-06-12 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Company Name Reporting the Account : XXXX  Account Number : XXXX I am filing this complaint regarding inaccurate and misleading information being reported by XXXX  on my credit reports with TransUnion, XXXX, and XXXX. The reporting contains factual inaccuracies that are impacting my credit profile and causing undue harm. 

Factual Basis for Dispute : 1. Inconsistent Account Information : The date opened is reported as XX/XX/XXXX on TransUnion, but XX/XX/XXXX on XXXX  and XXXX. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires furnishers to maintain accurate and consistent reporting of information.

2. Balance Reported : The account reflects a {$0.00} balance across all three bureaus, yet it continues to be reported as Collection/Chargeoff. Since the balance is {$0.00}, it should not be reported as a charge-off account. This is misleading and materially inaccurate.

3. High Credit and Credit Limit Reporting : There are inconsistencies in the reported High Credit values : {$150.00} on TransUnion, {$0.00} on XXXX, and {$170.00} on XXXX. Additionally, the Credit Limit is reported as {$0.00} on all bureaus, which is inconsistent for an installment loan account. The reporting of inconsistent high credit amounts across bureaus further violates the accuracy requirements under FCRA. 
4. Date Last Active vs. Date of Last Payment Discrepancies : The Date Last Active is inconsistently reported as XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ), while the Date of Last Payment is consistently reported as XX/XX/XXXX for two bureaus, and XX/XX/XXXX on XXXX. These inconsistencies result in confusion regarding the true status and timeline of the account. 
5. Data Breach Risk ( if applicable to XXXX ) : As an additional concern, I have been exposed to prior data breaches ( Engagement Number XXXX ) which increase the risk of fraudulent or inaccurate information being reported on my credit reports. 

FCRA 1681e ( b ) : Requires that credit reporting agencies and furnishers of information maintain maximum possible accuracy.

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 2025-06-12 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: FL

Complaint narrative:
Im requesting immediate supervisory review of my complaint submitted to the CFPB on XX/XX/year>, against Equifax Information Services LLC. 

Equifaxs response status changed to In Progress only on XX/XX/year>, more than a week after the complaint was filed. It has now been well over the 15-day deadline, and I have not received any resolution or meaningful communication from Equifax. 
This complaint involves fraudulent information that I disputed with supporting documentation, including a valid FTC Identity Theft Report and proof of identity. Equifax is now noncompliant with FCRA guidelines under Section 611, which require timely and accurate handling of such disputes.

I respectfully request the CFPB escalate this case to ensure : 1. Permanent deletion of the fraudulent account ( s ) from my Equifax file 2. A written confirmation of the deletion and corrective actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
I moved funds from my bank to my cash app and they said funds received but never posted the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have previously disputed with Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: WY

Complaint narrative:
I have disputed the following account several times because of the inaccurate inconsistent information on my credit reports with transunion XXXX.equifax finally deleted this account but transunion and Experian are reporting this collection/charge off as open account and it's not open which is manipulation of the statue of limitations for this account.name of account XXXXXXXX XXXX  account number XXXX with a balance of {$26000.00} delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
This happened in my XXXX XXXX Credit Card. 
It was a transition between FNBO ( First National Bank of Omaha ) and XXXX XXXX  this happened in XXXX. 
My last statement from FNBO was on XX/XX/XXXX and it was XXXX dls but it the transition to XXXX cards my statement was XXXX dls and I haven't use my credit card since XXXX from XXXX. I asked about what was the transaction to reflect the XXXX but FNBO and XXXX cards can't give me an straight answer, I told them that it was a fraudulent charge because I haven't use my credit card since XXXX but they want to charge me for something that I don't know what it is and I never did.

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 2025-06-12 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: NC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
Im XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-06-12 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: NC

Complaint narrative:
Im XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
On XX/XX/year>, I completed an online application/qualification for the Wells Fargo Active Cash Credit Card XXXX 

Marketing page and application flow -- The cards public marketing page and every screen of the application ( see attached screenshot and Application Wells Fargo.pdf ) mention only that Wells Fargo may request a consumer report. There is no statement that this will be a hard inquiry that affects a credit score.

Linked disclosures -- The Credit Terms and Conditions and the Account Agreement that were available during the application likewise contain no reference to a hard inquiry. A keyword search of those PDFs shows the phrase hard inquiry or hard pull does not appear. 

Hard inquiry recorded -- On XX/XX/year> a hard inquiry from WF CRD SVC appeared on my XXXX XXXX XXXX XXXX XXXX files. My score dropped 15 points.

Wells Fargo never gave clear, conspicuous notice that a hard inquiry would result from the application, so I could not provide informed consent as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). The disclosure was ambiguous and misleading, amounting to an unfair practice. The attached documents demonstrate the omission, and the attached redacted credit-report pages show the inquiry.

I consent to publishing this description on consumerfinance.gov after personal information is removed so that others can learn from my experience.

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