vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-23 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct.

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited a payroll check from my employer, XXXX XXXX XXXX, using Capital Ones mobile deposit system. The check is dated XX/XX/XXXX, but Capital One has placed a hold on the funds until XX/XX/XXXX. This delay is creating a serious financial hardship I have bills due on XX/XX/XXXX and have not been paid since XX/XX/XXXX. 

The check is a payroll check for wages owed, and I have documentation of my hours worked and unpaid wages. I contacted Capital One to request an early release of all or part of the funds due to hardship and the nature of the check ( payroll ), but they refused. I asked for the check hold to be reviewed or escalated, but was not provided with any reasonable resolution.

I am requesting that Capital One release the funds from my payroll check immediately or explain why a paycheck from a known employer is being held for four days. This delay is causing harm to my ability to meet basic financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
Upon reviewing my credit report ( or loan history ), I discovered that this account contains errors that need to be investigated and corrected. The specific issues I am disputing include : no knowledge of this account The balance is incorrect The account status is misreported ( e.g., showing late or in default while in deferment/forbearance ) Payments are missing or unrecorded Duplicate account reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
Upon reviewing my credit report ( or loan history ), I discovered that this account contains errors that need to be investigated and corrected. The specific issues I am disputing include : no knowledge of this account The balance is incorrect The account status is misreported ( e.g., showing late or in default while in deferment/forbearance ) Payments are missing or unrecorded Duplicate account 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 2025-07-23 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX To : LVNV Funding Subject : Formal Dispute of Inaccurate Credit Reporting LVNV Funding Dear LVNV Funding, I am writing to dispute an entry on my credit report that I believe to be inaccurate and/or unverifiable, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

The account in question is listed as : Creditor Name : LVNV Funding Account Number : XXXX Reported Balance : {$680.00} Date Opened : XX/XX/year> I request that you conduct a full investigation into this account and provide verification from the original creditor or delete this account entirely from my credit report. If LVNV Funding is unable to provide proper documentation verifying the accuracy and legitimacy of this debt, including a signed contract or agreement bearing my signature and complete payment history, then this account must be removed from my credit report immediately under FCRA guidelines.

Please provide me with written results of your investigation and an updated copy of my credit report. If the information is found to be inaccurate or unverifiable, please delete it from my record.

Under the FCRA, credit bureaus are required to complete this investigation within 30 days of receiving this request.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
This is my third complaint I understand opportunity financial did not close the account but they did mark the account profit and loss and charged off the account. I'm not too sure if I'm getting the right term correct but after XX/XX/XXXX of XXXX according to The Fair Credit Reporting Act your company is not allowed to REPORT NEW LATE payments. I have a section of late payments your company reported 90 days late, that needs to be corrected this has come from your company. I've already dispute it with XXXX, TransUnion and XXXX  but opportunity financial needs to send XXXX, TransUnion and XXXX  updated payment history that does not include XXXX XXXX late from XX/XX/XXXX to XX/XX/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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my third complaint I understand opportunity financial did not close the account but they did mark the account profit and loss and charged off the account. I'm not too sure if I'm getting the right term correct but after XX/XX/XXXX of XXXX according to The Fair Credit Reporting Act your company is not allowed to REPORT NEW LATE payments. I have a section of late payments your company reported XXXX XXXX XXXXate, that needs to be corrected this has come from your company. I've already dispute it with Equifax, TransUnion and Experian but opportunity financial needs to send Equifax, XXXX XXXX XXXX updated payment history that does not include XXXX XXXX late from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
This is my third complaint I understand opportunity financial did not close the account but they did mark the account profit and loss and charged off the account. I'm not too sure if I'm getting the right term correct but after XX/XX/XXXX of XXXX according to The Fair Credit Reporting Act your company is not allowed to REPORT NEW LATE payments. I have a section of late payments your company reported XXXX XXXX late, that needs to be corrected this has come from your company. I've already dispute it with XXXX, XXXX  and Experian but opportunity financial needs to send XXXX XXXX  and Experian updated payment history that does not include XXXX XXXX late from XX/XX/XXXX to XX/XX/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 2025-07-23 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 XXXX 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate, inconsistent, and unverifiable reporting of a collection account from PRO COLLECT tied to an apartment at XXXX XXXX. The information being reported by your agency is not only conflicting with other bureaus, but it is also causing damage to my credit profile and opportunities. Therefore, I am demanding the immediate deletion of this account from my credit file under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : PRO COLLECT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$6700.00} Original Creditor : XXXX XXXX Apartment Nature of Dispute : Conflicting and unverifiable dates and account statuses Reporting Inconsistencies Across Bureaus : XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Account Status : Open Dispute Status : Account not disputed Remarks : Account information disputed by consumer, meets FCRA requirements XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Account Status : Closed Dispute Status : Account not disputed Remarks : Customer disputed account - reported by subscriber XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Account Status : Closed Dispute Status : Account disputed Remarks : Consumer disputes reinvestigation in progress The inconsistent open/closed statuses, conflicting dates of last activity, and varying dispute statuses make this account clearly unverifiable and inaccurate. Per the FCRA, credit bureaus are legally obligated to report only accurate and consistent information. When the same account is reflected differently across XXXX XXXX XXXX XXXX it demonstrates a breakdown in data validation and reporting compliance. 

Because the data can not be verified accurately or consistently, I am requesting the complete deletion of this account from my credit report. This incorrect and conflicting information is unfairly damaging my creditworthiness and must be resolved immediately. I am exercising my rights under the FCRA to demand its permanent removal. Please respond within the required XXXX timeframe with confirmation that the account has been deleted. If no action is taken, I will escalate this dispute by filing formal complaints with the CFPB, BBB, and my state attorney generals office.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were opened in my name without my permission. I submitted an FTC Identity Theft Report. I properly disputed the following accounts with [ Experian/Equifax/TransUnion ] XXXX including all supporting documentation. Despite this, they have failed to block or remove these accounts from my credit report. 
My name was in XXXX different website security breaches.

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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I contacted the apartment complex about a debt that was supposed to be owed they could not find it and they also sent me a refund. This is showing on my credit and preventing me from getting an apartment. They then had me to pay a balance after saying that there was a credit owed to me. I just paid it to get it off of my credit profile. I attached the ledger and the letter that they sent this makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase over a week ago, citi bank sent an email and text asking if it was correct I put yes, when I tried to use it again I was locked out of my account and unable to use my card to process bills, I was told to wait XXXX days for this mail with a reference number and then call back and they can fix it, I have still yet to recieve that mail. I am more than XXXX off this is beyond ridiculious, i have been hung up on XXXX times and have recieved no help. I don't want to bank with this garbage, i need access to my account for a family emergency this is 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