vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
reg my earlier complaint XXXX Dear Sir/ Madam You did send a reply and closed my case, saying that you referred my complaint to the FTC. I received feedback from the FTC, too. However, there was no mention of pursuing the fraudsters or restitution. While entering the incident in a XXXX XXXX serves a public interest, it does not solve my grievance. Am I to assume that I have lost my investment for good? There is no other recourse.

CFPB and FTC should also pursue the " meta '' owner of the XXXX messaging platform for enabling fraudsters on their platform with such ease. XXXX has a so-called business account on XXXX, which gives legitimacy to the operation. Secondly all the so-called other members of the group are spoofed/unregistered numbers. How did Meta let unverified numbers on their platform? 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Payed loan off in full in XXXX and sent proof of pay off and they are still reporting that my loan is 90 days past due impacting my credit and continue to call weekly to try and collect on a loan that has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company keeps reporting every month missed payments but it's on my credit as paid in full. Do basically they want to continue ruining my credit out of spite.

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 2025-06-21 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:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX  XXXX Account # : XXXX incorrectly. There are several inconsistencies between the consumer agencies which leads me to believe this account has not been properly investigated. I have consistently requested the method of verification on how. It would be a major breach of privacy if these companies had access to my private financial history as I have a right to privacy or an opportunity to opt out of this information reporting. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> ]. 
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX ACCT # XXXX * * * * XXXX XXXX - XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX / XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of 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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Found a posting online for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Contacted them and they texted my phone. Did a self tour ( door was open like other self tours ) and then completed the online application and then started paying money to the account number below through my Bank of America app. Then today arrived XXXX XXXX and I was waiting for them at the unit but they were a fake and never showed, but knew the unit was open for viewing. Sounds like someone like someone used the real XXXX XXXX 's name that assist with managing and posting the sites ads online etc, but they were not the real XXXX. 

XXXX XXXX ( owner name on bank Account ) Account number : XXXX Routing Number : XXXX Realtor I was speaking to was XXXX XXXX, over phone call and texts, email as well

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit card was charged unauthorized transactions, I don't use synchrony bank much but when I saw the charges, I immediately called my bank and dispute it, the bank sent me another card without disputing the charges, it was still on the account, I called again to dispute it and they finally did but after reporting it as a miss payment, I called XXXX and they refunded me the money and the bank refunded me the money but it is still reported as miss payment but it was a fraudulent activity not a miss payment, I called to report it

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION XXXX, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am requesting a full investigation into several inaccurate and possibly unlawful entries on my Experian credit report. These accounts either contain reporting errors, are being re-aged, or violate FCRA guidelines under 15 USC 1681c-2 and 1681s-2. 

The following accounts should be removed : 1. XXXX  XXXX XXXX XXXX off for {$77.00}. This account is closed, yet Experian continues to update it monthly with delinquent payment history post-charge-off, which may be a form of re-aging. 
2. XXXX XXXX XXXX XXXX Charged off for {$2000.00}. The account reflects 128 % utilization and months of ongoing delinquency updates after being charged off, which is misleading and harmful. 
3. XXXX XXXX XXXX This account was settled in XX/XX/XXXX, yet still shows derogatory activity after settlement, which is not allowed under proper reporting practices. 
4. XXXX XXXX {$4800.00} in collections. This account is being reported monthly with missed payments, even though its closed and in collections, which is not permitted under 1681c-2 once the debt is transferred. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$2300.00} in collections. The account lists an open date of XX/XX/XXXX, which is a future date, violating the FCRA. 

I have already disputed these accounts directly with Experian, and Ive submitted supporting documentation. Despite that, the accounts remain, and some continue to report new derogatory marks each month.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached. Remove accounts. Send to Experian, Equifax, And Transunion.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful reporting on my TransUnion credit report in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681c-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account was closed on XX/XX/XXXX. It is still reporting derogatory marks and a past due balance, even though the status says closed and profit and loss write-off. The payment history continues to reflect negative remarks in XXXX, long after closure. This appears to be inaccurate and outdated information that should be removed, especially given that TransUnion failed to verify the validity during a prior dispute. 

XXXX. XXXX XXXX : This account was closed on XX/XX/XXXX, and placed in collections. I have disputed this account, and it is still being reported with a balance of {$4800.00} with 0 % on-time payments. The reporting status says information disputed by consumer, yet TransUnion has not corrected or removed the entry. If the account remains under dispute and they can not validate it, it must be deleted under federal law. 

XXXX XXXX XXXX ( XXXX ) : This account was closed on XX/XX/XXXX. It shows Settled - less than full balance and one 30-day late payment. This account was settled and paid, yet its still being reported with a derogatory status that continues to hurt my score. It should not be listed as derogatory once settled and resolved.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is incorrect or not authorized. I did not authorize any listed inquiries on my credit report, nor do I recognize them as legitimate. 

Please investigate these inquiries and the fact that they are indeed unauthorized or inaccurate, and kindly remove them from my credit report and provide me with an updated copy reflecting these changes. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these inquiries have been removed.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Inaccurate and unverifiable information is being reported on my credit file despite multiple disputes. For example : A XXXX  XXXX XXXX credit card account that was closed in XX/XX/XXXX is still being reported with new derogatory marks in XXXX and XXXX, even after being marked as charged-off. This violates FCRA provisions requiring accurate and updated reporting. 
A XXXX XXXX account shows a balance of {$4800.00} but has 0 % payment history and ongoing derogatory reporting with no verification method provided, even after being in dispute status for months. 
A XXXX XXXX auto loan shows paid for less than full balance despite the account being resolved and previously disputed. 
A CRDT FIRST account is reported with over 128 % utilization and marked as a charge-off, even though the payment history suggests it should not be classified that way. 

Ive filed disputes through the credit bureaus, and no valid method of verification has been provided. Under 15 U.S.C. 1681c-2 and 1681i, I am requesting that these entries be properly investigated and removed if they can not be verified. A complaint has already been submitted to TransUnion under ID # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX & XXXX Account # : XXXX as a charge off. I requested their method of verification. I am unaware of the consumer agencies having access to my private financial records and I also called the creditor and gave the listed account number and they were unable to verify any account number with these numbers so how were the consumer agencies able to verify such information? Also there are several inconsistencies between the consumer agencies any they should match. Each consumer agency has failed to provide me with actual proof of such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Colony Brands, Inc.
State: ME

Complaint narrative:
Had a inquiry removed from my credit report that Country Door claims needed I have a open on timed account. That was not correct. I infact had a account in good standing. I called them constantly for 7 days to remove the the unlawful inquiry that was not needed because I had a account with them already. They claim at the time I had no account. Then they couldn't find a account with my name. One problem after another with them. I finally found someone in there customer service to remove the inquiry. Now today it is back. Please stop their scamm. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
XXXX XXXX used automated text requesting I pay them as they were under LVNv funding they disclosed a debt without verifying it was me in text who was owed what was owed name of creditor this break the laws for debit collection practices in the United States LNVN must delete the because I have received no original paperwork proving I owe the debit iv disputed this multiple times on my credit this is getting old either prove the debt with a physical pen on paper signature and not an auto pen from XXXX XXXX  because

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I submitted disputes for two accounts on my Experian credit report : one from XXXX XXXX and one from XXXX XXXX XXXX. However, the investigation was marked updated the same day I submitted the dispute, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

No documentation or verification was provided by the furnishers, and Experian failed to conduct a reasonable investigation. I am requesting the CFPB to intervene and ensure these accounts are properly validated or removed. 

Accounts in Question : - XXXX XXXX ( Charge-Off Account # : XXXX - XXXX XXXX  XXXX XXXX XXXX ) Account # : XXXX Report # : 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 2025-06-21 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: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX reported a " late fee '' on my credit report. 

XXXX things. 

1. My payment isn't even 30 days late and they are reporting a late fee to the credit agency.

2. The payment for XXXX isn't even due yet until the XXXX of XXXX and XXXX XXXX XXXX is reporting a late fee for XXXX to the credit agencies. 

I have disputed this to Experian and they have done nothing about it. Just some generic " investigation '' and they say it's valid.

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 2025-06-21 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: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : I see that these account ( s ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

After you have finished my request, send me a copy of my credit report reflecting these changes.

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