vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX  XXXX number:XXXX XXXX XXXX XXXX  XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-05-14 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: PR

Complaint narrative:
I recently reviewed my credit report, and I believe to be inaccurate or unverified, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is a XXXX XXXX account ( XXXX ). This account is reported with a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, as reflected in my credit reports. 

I am requesting an investigation pursuant to Section 611 of the FCRA, based on the following : XXXX XXXX has not provided documented evidence to support the reported late payments. 
I have not been given any verifiable proof of prior notifications or clear records justifying the delinquencies. 
This negative information is financially harming me, and I believe it does not meet the verification, accuracy, or legal requirements set forth by the FCRA. 

I respectfully request the following : A formal investigation into the validity of the reported late payments. 
That XXXX XXXX be required to provide official documentation supporting the late payments ( contracts, billing statements, payment history ). 
That the late payment entries be deleted if they can not be properly verified as required by law. 


I am attaching a copy of my credit report as supporting evidence. I appreciate your attention to this matter, as it is unfairly impacting my access to credit.

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 2025-05-14 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: PR

Complaint narrative:
I recently reviewed my credit report, and I believe to be inaccurate or unverified, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is a XXXX XXXX account ( XXXX ). This account is reported with a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, as reflected in my credit reports. 

I am requesting an investigation pursuant to Section 611 of the FCRA, based on the following : XXXX XXXX has not provided documented evidence to support the reported late payments. 
I have not been given any verifiable proof of prior notifications or clear records justifying the delinquencies. 
This negative information is financially harming me, and I believe it does not meet the verification, accuracy, or legal requirements set forth by the FCRA. 

I respectfully request the following : A formal investigation into the validity of the reported late payments. 
That XXXX XXXX be required to provide official documentation supporting the late payments ( contracts, billing statements, payment history ). 
That the late payment entries be deleted if they can not be properly verified as required by law. 


I am attaching a copy of my credit report as supporting evidence. I appreciate your attention to this matter, as it is unfairly impacting my access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I filed XXXX XXXX XXXX and was laid off. I sold my house after dismissal of the XXXX. We are all set to close since XX/XX/year>. However in order to close, I need a payoff of a lien that Discover placed on my house. We contacted both Discover and XXXX XXXX who represented Discover on the lawsuit. Both entities have been unable to provide a payoff though they have a judgment with a dollar amount that specified no interest. We have tried to call everyday to no avail. I don't know what else to do. I am afraid of losing the sale and thus my house to foreclosure. 

Discover Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing 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 badly hurt 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 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
Was pre approved via 3rd party XXXX XXXX. Was sent to website with pre approval, submitted my application and was denied. 
This was deceptive marketing and cost me a derogatory mark on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a fraud text from what I think was my bank on Sunday XX/XX/XXXX with a phone call directly afterwards about a XXXX transfer that I did not initiate. I followed the instructions to stop the transaction and thought that I may be safe. I got another text Tuesday XX/XX/XXXX and again reported to Truist about the transaction. I was told it was not them sending the text and that I needed to close my bank account in order for them to refund the money that had been taken. I made an appointment and opened a new bank account, then received a letter and email stating that I initiated the transfer to myself to XXXX XXXX XXXXXXXX ( which I do not and never have had an account with ). I have provided the screenshots of the texts and phone calls to with the phone numbers of the scammers and I still feel like Im being blamed for someone stealing my money.

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 2025-05-14 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: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them. They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. 

I am writing in response to a collection notice I received from your agency regarding an alleged debt. I do not recognize this debt and request that you provide me with full validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

LVNV Funding LLC XXXX Please provide the following information : The amount of the alleged debt ; The name of the original creditor ; A detailed statement explaining how the debt was calculated ; A copy of the original contract or agreement bearing my signature, if available ; Proof that you are authorized to collect this debt in my state ; A full account history, including any interest, fees, or payments applied to the alleged balance. 

Until this debt is fully validated, I request that you cease all collection activities and not report this debt to any credit reporting agency. If the debt has already been reported, please inform the credit bureaus that the debt is disputed. 

This letter is being sent within XXXX  days of your initial contact. Please consider this a formal dispute and validation request under the FDCPA. If you are unable to provide the requested information, please cease collection efforts and remove any related information from my credit report. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Services, LLC for their continued refusal to remove an inaccurate and outdated address from my credit file despite my submitting verified government-issued identification and a credit card statement clearly showing my current address. I first disputed this on XXXX XXXX. I included a copy of my government-issued ID and a credit card statement from a major financial institution, both showing my correct address. Despite this, Experian responded by stating the inaccurate address was verified and instructed me to reach out to the furnishers ( including XXXX XXXX XXXX  XXXX and others ) to correct it. This deflection is not consistent with Experians legal obligations under the Fair Credit Reporting Act ( FCRA ), which requires:15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.15 U.S.C . 1681i ( a ) : A bureau must conduct a reasonable reinvestigation and correct or delete information that is inaccurate, incomplete, or can not be verified.15 U.S.C . 1681i ( a ) ( 5 ) : If a disputed item is unverifiable, the CRA must promptly delete it. Experian has now ignored multiple disputes with valid proof, continues to report this outdated address, and has not conducted a meaningful reinvestigation. This has caused confusion in my credit reporting and exposes me to fraud risk and misidentification. This has been an ongoing issue and a violation of my federal rights as a consumer. Please hold Experian accountable in ensuring the integrity of consumer reporting systems.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MN

Complaint narrative:
I got a personal loan to consolidate my debt. The statement on my card with a due date of XX/XX/XXXX and a statement end date of XX/XX/XXXX was XXXX. My loan company started the XXXX check on XXXX and payment was received by cardmember services on XXXX. But it didnt show on my account until XX/XX/XXXX. I called the bank on XX/XX/XXXX asking why it didnt show payment, the rep said she can see the payment was received but it is still processing. The bank statement on XX/XX/XXXX then said the payment posted on XX/XX/XXXX and then they added a XXXX interest charge the same day. For reference the interest charge for XXXX was XXXX. Why did it take XXXX additional business days to process a payment that took 3 days to process and why was a full months interest charged the same day. That interest is listed as the minimum payment for the next month also so it sounds like a fee.

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 monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-14 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received emails from Citibank on XX/XX/year> stating that my credit limits had been reduced on two of my cards ( ending in XXXX and XXXX ). The reductions happened the same day I was notified, with no advance warning. 

At the time, my balances were already below the new limits, yet these changes spiked my credit utilization to nearly 100 %, artificially and unfairly harming my credit score. I was not late on payments, had never exceeded my limits, and there was no fee or over-limit issue. 

I reviewed the " Notices and Letters '' section of my Citi online account and confirmed that no advance notice was posted or mailed, despite the fact that Citi claimed to have reviewed my credit file and based their decision on that. 

This appears to violate the spirit, if not the letter, of the CARD Acts requirement for advance notice when account changes negatively impact the consumer. 

I am requesting a full review, reinstatement of my prior limits, and at minimum a written justification with legal documentation of how this notice was handled.

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 2025-05-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-14 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: TX

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding charge-off accounts on my Equifax credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the following charge-off accounts : 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  Recent findings by the CFPB have highlighted Equifaxs failure to conduct proper investigations, including the verification and correction of inaccurate charge-off accounts. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a comprehensive and thorough reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. This is a critical consumer protection requirement, and Equifaxs continued failure to meet this standard is a direct violation of federal law, potentially exposing me to significant financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Account opened and used in my name without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation