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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
m writing to formally dispute an alleged late payment reported on my account. This late payment was reported by [ Creditor Name ] to your agency, [ XXXX  ] XXXX and XXXX believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit 15 identify you and your account. 
HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( except federal holidays ). 
More than 180 languages available Other taver U.S. Code 1681a ( 2 ) ( AY ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take the appropriate action to remove this
inaccurate late payment entry from my credit report withi

n 10 calendar days of receiving this notice. Late Payment ( s ) in Question : [ List of Late Payment Accounts ] Thank you for your prompt attention to this matter. I look forward to your response a
nd tion that the disputed late payment entry has been removed.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within XXXX  days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 
I demand to see a copy of the Verifiable Proof ( an original XXXX XXXX with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted. Please block this information from my credit report,
pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I demand the following accounts be removed immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXen Date : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXX XXXX Date : XXXX XXXX, XXXX XXXX : {$580.00} XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : {$320.00} XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX : {$77.00}

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 : XXXX. 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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

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 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: MS

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 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I keep getting calls from someone saying they are trying to collect a {$5000.00} debt from XXXX supposedly made 8 years ago. I've never had any business with XXXX, in fact I've had the same account my whole life. She knew my XXXX #, my old address, old home phone. I have been ignoring the calls until yesterday when she threatened to garnish my check. She tried telling me she could settle the debt for a small amount today. I told her to take me to court. I just had my credit checked for a purchase and there was nothing on it. XXXX years ago I wouldn't have had enough to have loaned me {$50.00} not a long {$5000.00}. 

Phone number calling : XXXX. Never gave me the name of the company. 

Please advise.

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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Complaint Narrative : I, XXXX XXXX, am a victim of fraud and identity theft. A fraudulent loan account was opened under my name without my knowledge or authorization. I was scammed via email communications, and I have documented proof including emails and a fraudulent loan agreement that this was a deceptive and criminal act. 

The fraudulent loan has been reported to the credit bureaus and is now appearing on my credit reports. I have disputed this account with the credit bureaus and demanded its removal under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Identity Theft law ( FCRA 1681c-2 ). However, the information has not been properly investigated or removed. 

Additionally, I believe XXXX XXXX  accounts were used in this scam to transfer or store funds using my identity. These accounts may have been involved in wire fraud ( 18 U.S. Code 1343 ) and mail fraud ( 18 U.S. Code 1341 ).

I am requesting a full investigation into : The fraudulent loan/account that was added to my credit report The use of any U.S. financial institutions involved The data furnisher that submitted this fraudulent account How my personal information was used without my permission I have submitted evidence including : A copy of the scam emails The fraudulent loan agreement My government-issued ID and proof of address A formal dispute letter under FCRA This fraudulent activity is damaging my credit and violates multiple federal laws, including the FCRA, FACTA amendments XXXX and federal criminal statutes. 


-- - Requested Resolution : 1. Immediate deletion of the fraudulent account from all credit reports 2. Investigation into all U.S. bank accounts involved in this transaction 3. Full compliance with FCRA 1681i and 1681c-2 4. Written confirmation from the furnisher and credit bureaus 5. Protection from future fraudulent reporting

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: CA

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. Upon reviewing my recent credit report, I noticed credit card accounts listed under my name that I did not apply for and do not recognize. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. Upon reviewing my recent credit report, I noticed credit card accounts listed under my name that I did not apply for and do not recognize. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus ( TransUnion and XXXX  ) regarding an auto loan that was charged off in XXXX. 
Despite the charge-off, XXXX continues XXXX update the balance, payment history, and date of last activity on my credit reports the most recent update occurred in XXXX. This makes it appear as though the account is still active or newly delinquent, which is misleading and violates the Fair Credit Reporting Act ( FCRA ) under 605 ( a ) and 623 ( b ) .I have disputed this multiple times with the credit bureaus, and XXXX XXXX to verify the information without making any corrections or ceasing the account updates. Each time I file a dispute, XXXX updates the tradeline again, re-aging the account and causing further damage to my credit profile. I sent XXXX a formal Intent to XXXX letter and received a generic response claiming the information was accurate without addressing the real issue : the continuous updates on a charged-off account from XXXX, which misrepresents the age and status of the debt. 
Ive also filed a XXXX  complaint and am in the process of seeking legal counsel for a potential FCRA lawsuit. This account is harming my credit score, limiting my ability to obtain housing and credit, and causing ongoing financial harm. I am requesting that the Consumer Financial Protection Bureau intervene to investigate Santanders reporting practices on this account compel them todelete the tradeline entirely I am attaching the following : My Intent to Sue letter Credit report screenshots showing updates post-charge-off Timeline of events

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 2025-07-18 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: TN

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus ( XXXX  and Experian ) regarding an auto loan that was charged off in XXXX. 
Despite the charge-off, XXXX continues to update the balance, payment history, and date of last activity on my credit reports the most recent update occurred in XXXX. This makes it appear as though the account is still active or newly delinquent, which is misleading and violates the Fair Credit Reporting Act ( FCRA ) under 605 ( a ) and 623 ( b ) .I have disputed this multiple times with the credit bureaus, and XXXX XXXX to verify the information without making any corrections or ceasing the account updates. Each time I file a dispute, XXXX updates the tradeline again, re-aging the account and causing further damage to my credit profile. I sent XXXX a formal Intent to Sue letter and received a generic response claiming the information was accurate without addressing the real issue : the continuous updates on a charged-off account from XXXX, which misrepresents the age and status of the debt. 
Ive also filed a XXXX  complaint and am in the process of seeking legal counsel for a potential FCRA lawsuit. This account is harming my credit score, limiting my ability to obtain housing and credit, and causing ongoing financial harm. I am requesting that the Consumer Financial Protection Bureau intervene to investigate Santanders reporting practices on this account compel them todelete the tradeline entirely I am attaching the following : My Intent to Sue letter Credit report screenshots showing updates post-charge-off Timeline of events

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint against Suncoast Credit Union regarding my Unsecured Loan account ( Account Number : XXXX * * - from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This account is inaccurately reported as 'Collection / Charge-Off ' on my credit reports. Crucially, all three credit bureaus explicitly state that I have previously disputed this account and formally disagreed with the resolution : XXXX  : 'Completed investigation of FCRA dispute consumer disagrees " XXXX  : XXXX resolved ; customer disagrees " XXXX  : XXXX DISPUTES AFTER RESOLUTION ' These remarks clearly demonstrate that prior investigations initiated by Suncoast Credit Union did not resolve the dispute to my satisfaction. The continued furnishing and reporting of this account, despite my documented disagreement with previous outcomes, indicates a failure to comply with the duty to furnish accurate and complete information. 

Furthermore, my XXXX  report states that {$2500.00} was 'written off ' but also reports ' {$2500.00} past due as of XX/XX/year> '. This ongoing 'past due ' reporting for a 'written off ' and 'charged off ' loan is inconsistent and misleading. 

Suncoast Credit Union has a fundamental duty under the Fair Credit Reporting Act ( FCRA ) to furnish only accurate and complete information and to conduct reasonable investigations into disputes. Given my sustained disagreement with their prior investigation outcomes and the inconsistencies in their reporting, this account remains unverifiable and damaging to my 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to correct inaccurate information on my credit report related to a lease termination. I legally terminated my residential lease in accordance with the Servicemembers Civil Relief Act ( SCRA ) after receiving official military release orders. 

Despite providing Equifax with proper documentation, including my military release papers and notice of lease termination, they have continued to report the lease break as a negative mark on my credit report. This is a violation of my legal protections under the SCRA, which allows service members to terminate leases without penalty when discharged or reassigned. 

I have attempted to resolve this matter directly with Equifax but have received no meaningful response or correction. The continued reporting of this item is inaccurate, unjust, and damaging to my credit profile. 

I am requesting the Consumer Financial Protection Bureau to intervene and ensure that Equifax complies with federal law and immediately removes this incorrect and unlawful item from my credit report. 
Thanks.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I found fraudulent inquiries on my report. Inquiries for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are result of fraud and were placed within my report without my 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 2025-07-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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