vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shown on credit report {$17000.00} ( INACCURATE ) Highest balance {$17000.00} ( INACCURATE ) Last payment date shown : XX/XX/XXXX ( INACCURATE ) In XX/XX/XXXX, Me and my attorney ( XXXX XXXX XXXX XXXX ) settled this credit card debt with XXXX XXXX XXXX XXXX 's attorney ( XXXX XXXX XXXX ). The settlement amount was {$10000.00} and it was agreed to make {$300.00} payments each month starting XX/XX/XXXX per the agreement contract. I have been making each payment on time every month. 

Despite this agreement and making payments. XXXX XXXX XXXX XXXX has not updated this on my credit report. They have continued to report negatively each month and have not updated the CORRECT balance, even though I contacted them to correct. 

I have reached out to XXXX XXXX XXXX XXXX and they have not corrected my credit report. This is ILLEGAL and against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shown on credit report {$17000.00} ( INACCURATE ) Highest balance {$17000.00} ( INACCURATE ) Last payment date shown : XX/XX/XXXX ( INACCURATE ) In XX/XX/XXXX, Me and my attorney ( XXXX XXXX XXXX XXXX ) settled this credit card debt with XXXX XXXX XXXX XXXX 's attorney ( XXXX XXXX XXXX ). The settlement amount was {$10000.00} and it was agreed to make {$300.00} payments each month starting XX/XX/XXXX per the agreement contract. I have been making each payment on time every month. 

Despite this agreement and making payments. XXXX XXXX XXXX XXXX has not updated this on my credit report. They have continued to report negatively each month and have not updated the CORRECT balance, even though I contacted them to correct. 

I have reached out to XXXX XXXX XXXX XXXX and they have not corrected my credit report. This is ILLEGAL and against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shown on credit report {$17000.00} ( INACCURATE ) Highest balance {$17000.00} ( INACCURATE ) Last payment date shown : XX/XX/XXXX ( INACCURATE ) In XX/XX/XXXX, Me and my attorney ( XXXX XXXX XXXX XXXX ) settled this credit card debt with XXXX XXXX XXXX XXXX 's attorney ( XXXX XXXX XXXX ). The settlement amount was {$10000.00} and it was agreed to make {$300.00} payments each month starting XX/XX/XXXX per the agreement contract. I have been making each payment on time every month. 

Despite this agreement and making payments. XXXX XXXX XXXX XXXX has not updated this on my credit report. They have continued to report negatively each month and have not updated the CORRECT balance, even though I contacted them to correct. 

I have reached out to XXXX XXXX XXXX XXXX and they have not corrected my credit report. This is ILLEGAL and against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
account closed- car paid off in auction - no balance should be removed off credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CFPB XXXX XXXX Experian XXXX Name : Experian Information Solutions , Inc . 

Type of Complaint : Credit reporting or credit repair services > Improper investigation What happened? 

I submitted a written dispute to Experian regarding a negative tradeline that they are reporting on my credit file. My dispute did not claim the account was inaccurate ; rather, I explained that the company furnishing the data ( a credit repair agency I was paying ) violated the FCRA by initially denying the existence of the account while simultaneously continuing to report negative information about it to the credit bureaus. 

In my dispute to Experian, I made it very clear that : I never alleged the account wasnt mine. 
My dispute was that the furnisher denied their own account existed, which is inconsistent with their reporting. 
I also included that I had repeatedly requested to cancel the account, and the company failed to respond for days, leaving me unable to stop their service even though I requested it multiple times. 
Despite this clear explanation, Experian responded within XXXX day stating : " Information you disputed has been verified as accurate. Dispute closed. '' This response does not even address my dispute. My dispute was not about whether the account belonged to me or whether the balance was correct it was about the furnishers improper handling of my account and their continued negative reporting despite denying the account existed. 

By failing to reasonably investigate the actual substance of my dispute and simply rubber-stamping it as accurate, Experian has XXXX its duty under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of disputed information. 

Why is this a problem for you? 

The companys failure to properly investigate has allowed inaccurate or procedurally improper negative reporting to continue harming my credit. My credit score has already dropped significantly because of this, and Experian has not fulfilled its legal obligation to actually investigate the dispute I raised. 

What would you like the company to do to resolve your complaint? 

Reopen the dispute and conduct a proper, reasonable reinvestigation that addresses the substance of my complaint. 
Delete or correct the inaccurate and improperly reported account information. 
Provide me with written confirmation of the results of a proper investigation. 
Retrain personnel and improve dispute-handling procedures to comply with the FCRA. 

Supporting Documentation : I can provide copies of my dispute letter ( s ), Experians response, and correspondence with the furnisher upon request

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
{$11000.00} was held with no excuse and no human to speak to about it. I couldnt pay for my food with my family and Im told someone will contact me in 5 days. I just want my money in my account and not to have my money held hostage with no reason given and no one to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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/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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: PA

Complaint narrative:
I am formally disputing a collection account appearing on my credit report. 

I submitted a written request for validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and to date, the collector has failed to provide any proof that the debt is valid or that I owe it. Reporting a debt without providing validation violates my rights under the FDCPA. 

In addition, during a phone call with the collector, the representative disclosed that a XXXX XXXX had been conducted and referenced personal medical information while discussing the alleged debt. This is a serious violation of the Health Insurance Portability and Accountability Act ( HIPAA ), which restricts access and disclosure of protected health information ( PHI ) without proper authorization. This also raises concerns of improper handling of sensitive medical data in the debt collection process. 

Due to the lack of debt validation and the mishandling of medical information, I am requesting the immediate removal of this account from my credit report. Please conduct an investigation, and if the collector fails to verify the debt with appropriate documentation, the account must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I had a storm in early XXXX that severely damaged my roof, the insurance company has approved the claim and sent to mortgage company ( Rushmore Servicing ) to endorse the check. It took nearly 5 months to receive my initial claim funds and get work started on the roof, thats 5 months of my roof leaking bad. Finally got the initial claim check, the work has been done, I was told to send in documents, confirmed with the mortgage company they had all the necessary documents they needed and was told my check was being sent out XXXX XXXX XXXXhat day. The check never came I called back they said missing documents they already confirmed receiving, I send those in confirm they received them was told my check was getting sent out that day and again nothing Ive been stuck in this endless loop for months now, I requested to speak with a supervisor and the representative refused to put one on the phone, and said all I can do is request a call back, Ive been through this dozens of times with this company supervisors never call. I just want to stop being lied to and pay the roofers the money they are owed for work they have completed and the insurance company has released but this mortgage company refuses to release them. It took 30 minutes of an employee trying to tell me my claim doesnt exist and me arguing before they ever pulled it up. This business is very unprofessional, and them having so much difficulty locating my account today after weeks of this makes me fear an employee at Rushmore Servicing has stolen my funds. Please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This is a formal dispute letter regarding hard inquiries on my credit report that I did not authorize. As per the Fair Credit Reporting Act, inquiries made without my consent must be investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I have been made aware of a collection account in my credit file that I did not authorize or open. I am formally disputing the validity of this account and have retained legal representation regarding this matter.

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 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Activehours
State: AZ

Complaint narrative:
So this app EarnIn somehow got a hold of my direct deposit and I am having trouble getting it back from this app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request validation of the following accounts that have been reported on my credit file. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request full validation and verification of the alleged debts listed below. These debts appear to be inaccurate, unverifiable, or not legally owed by me. 

Accounts in Question : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Amount : {$1200.00} LVNV Funding LLC Account Number : XXXX * * * * Amount : {$740.00} LVNV Funding LLC Account Number : XXXX * * * * Amount : {$2700.00} XXXX XXXX XXXX Account Number : XXXX * * * * Amount : {$740.00} XXXX XXXX XXXX. 

Account Number : XXXX * * * * Amount : {$280.00} I respectfully request that each of these entities provide the following for each debt : The name and address of the original creditor A copy of the original signed contract or agreement The full accounting or payment history Proof that you are legally authorized to collect on the debt Documentation that the debt is accurate, complete, and legally enforceable Proof of the chain of custody of the debt ( purchase agreements, assignments, etc. ) Until such documentation is provided, I request that these accounts be removed from my credit reports with XXXX XXXX and XXXX, and that no further collection activity take place. 


Request for Removal of Outdated Personal Information : Additionally, I am requesting that all old addresses, outdated phone numbers, and previous employment information be removed from my credit file. These items are no longer valid and may be contributing to inaccurate or misattributed account data. My current address is XXXX XXXX XXXX XXXX XXXX, LA XXXX, and I am currently unemployed. 

Additionally, I request that the CFPB take appropriate action to ensure these collectors comply with all federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
My information was involved in 2 data breaches which resulted in me being a victim of identity theft. I am in the process of trying to clean off all of these fraudulent accounts from my consumer profile to get my identity back. 


* Please see attached FTC report

Company response to consumer: Closed with non-monetary relief