vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: KS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am disputing the following accounts on my Equifax credit report : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : No inquiries listed for EQ.

Positive Accounts : No positive accounts listed for EQ. 

Late Payment : XXXX Account Number : XXXX Late Payment Reported : [ insert date if available ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-13 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: GA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} DPEDXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} DPEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Inquiries : * * No disputes for inquiries in Equifax. 

Positive : No positive accounts listed for dispute. 

Late Payments : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The credit card was compromised, I reached out to XXXX XXXX Bank in XXXX and let them know the transactions wasn't mines and they said sure thing we will resolve it and you're not responsible for those transactions, and they cleared it out and said they would issue me out a new credit card. I never received anything in mail. Here it is XXXX the credit report is showing that someone is still using my social security number or obtained another new open card in my name and is paying the bill, I asked XXXX XXXX to investigate for fraud and put me to the right dept because this should of been handled in XXXX, here it is XXXX and I'm receiving capital XXXX mail and I throw it out cause it feels like a replacement card they should of mailed XXXX years prior but the card i don't want, never use never opened the mail just threw away in the XXXX XXXX the XXXX XXXX. This account should of been closed upon my requests updates prior and they disregarded me.. I wanted to see why this was showing on a credit report and they kept saying I need to pay it ( collections )! she said she put in a fraud alert dispute the other day XX/XX/XXXX but she was so rude I doubt it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
XXXX is reporting an incorrect balance to Experian even though I do not owe them anything. My bank resolved the disputed transaction in my favor, and XXXX confirmed in writing that the matter was resolved and no further action is required. 
On my XXXX dashboard, my account shows a {$0.00} balance and no outstanding payments. I have attached screenshots showing that XXXX marked the issue as fully resolved and that no balance is owed. 
However, XXXX is still furnishing an outstanding balance to Experian. This reporting is inaccurate and violates the Fair Credit Reporting Act because the information being furnished does not match XXXX own records. I previously disputed this with Experian and supplied proof, but Experian said XXXX verified the information as accurate. This is incorrect, as XXXX themselves confirm I do not owe anything. 
I am requesting that XXXX update their Metro 2 credit reporting to reflect : Balance : {$0.00} Account status : Paid/Closed No amount owed I am also requesting that XXXX  send an updated furnisher correction to Experian so my credit report can be corrected. 
I have attached the confirmation letter from XXXX and the screenshots of my XXXX dashboard showing the {$0.00} balance.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc.
State: KY

Complaint narrative:
The cash app borrow limit is supposed to be XXXX an im only getting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am disputing the following items on my Experian credit report. These entries are inaccurate, incomplete, or missing essential details. 

XXXX XXXX Accounts : XXXX charged off accounts listed for XXXX. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Late Payments : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX Account Number 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 2025-11-13 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:
I am disputing the following items on my TransUnion credit report. The information provided is incorrect, incomplete, or outdated. 

XXXX XXXX Accounts : XXXX charged off accounts listed for XXXX. 

Inquiries XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XX/XX/year> Positive Accounts : No positive accounts listed for XXXX. 

Late Payments XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am writing to request a full resolution regarding my XX/XX/year> rent payment that Flex attempted to process using funds withdrawn from my XXXX account. Although XXXX initially issued a credit while the dispute was being reviewed, the funds were later withdrawn again even though the service I paid for was never completed. 

Here are the key facts : Flex withdrew the rent installment funds from my XXXX account with the stated purpose of paying my landlord. 

Flex never sent the payment to my landlord. My apartment portal confirms that no portion of my rent was received through Flex. 

Because Flex failed to pay my rent, I received a late notice and was forced to pay my landlord directly, including a {$76.00} late fee. 

This means I effectively paid my rent twiceonce through Flex ( who provided no service ) and again directly to my landlord under penalty. 

I have provided screenshots showing the Flex withdrawals, the late fee on my rent portal, and the attempted refund that was later reversed. 

XXXX failure to provide the service caused direct financial harm. Chases decision to deny my dispute, even after reviewing documentation showing that the service was never delivered, is not consistent with fair dispute handling. 

I am requesting that XXXX either recredit the withdrawn funds or send the payment to my landlord as originally intended. At minimum, the funds should not remain with a merchant who did not fulfill the service they charged me for. 

Thank you for your time and careful reconsideration of this matter. I trust that XXXX will review the documentation again and resolve this dispute fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A fraudulent ATM cash withdrawal for {$370.00} was posted to my Bank of America debit card on XX/XX/year>, at an ATM in XXXXXXXX  NY. I was in XXXX the entire day and never traveled to XXXX. My debit card was in my possession, and I have never shared my PIN with anyone. My location data, travel records, and work activity confirm I could not have made this withdrawal. 
I reported the unauthorized transaction immediately and filed a Regulation E claim. Bank of America has denied the claim three times, most recently on XX/XX/year>, stating that the transaction was authorized by me or someone with permission to use the account. This conclusion is incorrect and unsupported. 
Throughout this process, the bank has not performed a reasonable investigation and has refused to provide the documentation required under 12 CFR 1005.11 ( c ) ( 4 ). I requested : The documents and evidence the bank relied on to deny the claim ATM terminal records and electronic journal entries Surveillance footage from the ATM at the time of the withdrawal The bank has not supplied any of these items despite multiple requests. 
Bank of America also reversed the provisional credit of {$370.00} on XX/XX/year>, even though the evidence shows I did not authorize this withdrawal. 
On XX/XX/year>, I contacted Bank of America again after receiving the third denial. The representative repeatedly placed me on hold to speak with someone more senior. She eventually stated that the decision was based on spending patterns, account history, bank balances, and other criteria, but she could not identify any specific evidence. She told me that if I wanted actual documentation, I would need to subpoena the bank, which is inconsistent with Regulation Es requirement that the bank provide the documents it relied on.

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 2025-11-13 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: PA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXXXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXXXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : 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 2025-11-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on 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 2025-11-13 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:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-11-13 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: GA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$4000.00} Inquiries : No inquiries listed for dispute. 

Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation