vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: MI

Complaint narrative:
After reviewing my credit report I noticed that my credit report has obvious errors due to a fraudulent account and inaccurate payment histories on other accounts. The accounts that I am disputing are : XXXX. XXXX - {$9300.00} - This account was opened in XX/XX/XXXX without my knowledge. I supplied a notarized identity theft affidavit and I also supplied a copy of my ID showing that I was living in a totally different state at the time the fraud was committed. I have disputed this account twice and requested a method of verification both times only to be stalled both times and not given proof of the method of verification that this account belongs to me. 
XXXX. XXXX XXXX XXXX - {$4900.00} - This credit card account was opened in XX/XX/XXXX. This account went into chargeoff status as of XX/XX/XXXX but has continued to be reporting a chargeoff every month which is a blatant violation of the FCRA and this account must be deleted from my credit report. After disputing this inaccuracy this account has been deleted from my Experian report and now must be deleted from my Transunion report. 
XXXX. XXXX XXXX - {$1500.00} - This credit card account has is reporting inconsistent payment histories across the XXXX reporting agencies. This account reports a XXXX day late in XX/XX/XXXX and a XXXX day late in XX/XX/XXXX on XXXX and Transunion profiles. On my Equifax report this account is reporting a XXXX day late in XX/XX/XXXX and a XXXX day late in XX/XX/XXXX. These entries can not all be accurate at the same time. this is a clear violation of the FCRA and these entries need to be updated to ( OK - current ).

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 2025-12-01 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: PA

Complaint narrative:
I am writing to request validation of the debt which you claim I owe, in accordance with my rights under federal law. Please provide me with all of the following : The amount of the debt you claim I owe, including a complete itemization showing all charges, fees, interest, payments, credits and the date ( s ) they were applied! 
The name and address of the original creditor ( if different from your agency ) to who the debt was originally owed. 
Proof that your agency is authorized to collect this debt ( example, documentation showing ownership or assignment of the debt ). 
A copy of any original contract, agreement, or signed document bearing my signature showing I am legally obligated for the debt. 
A full payment history from the original creditor, or any previous collector, showing the history of charges and payments. 
Confirmation that the debt is within the statute of limitations for collection under the laws of Pennsylvania. 
A statement acknowledging that, if you can not validate the debt or provide all required documentation, you will cease all collection efforts, remove this debt from your records, and notify any credit reporting agencies to delete any record of this alleged debt. 
Please treat this letter as a dispute of the validity of the debt, and as a request for verification, as permitted by law. 
Until you provide the requested documentation, you must cease all collection activity, and you may not report this debt to any credit reporting agencies as valid. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

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 2025-12-01 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding two accounts appearing on my credit reports across all major bureaus : XXXX, XXXX, and XXXX. Despite my prior disputes directly with the credit bureaus, these accounts remain inaccurate, incomplete, and unverifiable. Both accounts are being reported as closed ; however, to my knowledge, they are not actually closed. 

Under the Fair Credit Reporting Act ( FCRA ) sections 609, 611a5, 607b, 623a1, 623a2, 623a3, 623b, 604, 609a, and 602, furnishers and credit reporting agencies are required to ensure all reported information is accurate, complete, and verifiable. The IC System account is already flagged as disputed, indicating it has not been verified, and the XXXX XXXX account contains balance, date, ownership, and status inconsistencies. 

I respectfully request that both accounts be fully investigated by all credit reporting agencies. Any information that can not be verified, including account status, must be removed from my credit reports. Please provide written verification for any information that is accurate. Attached are screenshots of my credit reports and previous dispute correspondence for your review. 

Thank you for your attention to this matter and for assisting in ensuring the accuracy, completeness, and fairness of my credit reports across all bureaus.

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 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: DE

Complaint narrative:
APEX Asset Management LLC is stating there is a debt owed them. To date they have failed to provide information validating this debt. I filed a prior complaint with all accompanying documents to the CFPB on XXXX ( XXXX ) and the information that was sent as a response by APEX Asset Management LLC was not correct. I have attached and highlighted the false information they provided in the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have XXXX major concerns with USAA. Firstly, they have never successfully filed all my disputes regarding XXXX Games. I requested an audit of my account to ensure that all charges were properly disputed, but they declined my request. I understand that there are numerous transactions to review, but that should not serve as an excuse for not thoroughly checking my account. These charges were unauthorized, and some were refunded after I previously filed transactions with them, which resulted in my fraud claim being upheld. Unfortunately, I ended up paying for these fraudulent transactions. 

Secondly, USAA has not followed up with me concerning the SCRA act, which I am eligible for. Regrettably, due to these unauthorized charges, I had to incur interest payments on them. I am seeking a higher department to address my concerns in detail. It is clear that my issues are not being communicated to the appropriate department, as there has been no follow-up. After multiple attempts to reach out, I became discouraged and ultimately decided to close my account with USAA, as it appears their customer service prioritizes their own interests over those of their clients.

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 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Eleven Auto, LLC dba Capital Auto Loan
State: ID

Complaint narrative:
It's been XXXX years now since I have been trying to get this taken care of. A bit of history about me. I'm an XXXX XXXX XXXX XXXX, certified welder and fabricator. I have put together some really beautiful, powerful, also some classics. Won several awards for the vehicles I have built, out together, customized. I sold XXXX of the vehicles to an individual fall 2021. That vehicle had a loan on it still, individual got a new loan and was on his way to the bank to take care of transferring the loan to their bank. We had already signed XXXX copies of a bill of sale, I had done the release of liability thorough the XXXX online. The individual ended up in an accident and the vehicle was totaled. I sent a picture of the bill of sale to the auto loan company, also informing them of the release of liability, and gave them the name, address, and phone number of the new owner. I was asked if I had gotten permission to sell the vehicle, told that the it didn't matter if I had sent them the bill of sale or filled out the release of liability. The loan was in my name. Which they have written off, shows closed, but still have a balance of {$6600.00}. Still report monthly on the closed account. I spoke with an attorney, XXXX of my dad 's friends, and was informed that the person in which the bill of sale was written as the purchaser is the legal owner. I have informed them of this and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I was contacted by the XXXX XXXX XXXX that I have a credit card with them and I was late on a payment. I informed them that I didn't have a credit card with them. XXXX XXXX XXXX XXXX told me to contact identity theft. gov and report it. And I to report back to them with the information that is giving to me by the government.

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 2025-11-30 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: GA

Complaint narrative:
Issue Summary : XXXX XXXX  inaccurately reported a late mortgage payment for XX/XX/year> despite misrepresentation by its staff and confusion caused by a servicing transfer. This inaccurate reporting has disrupted my ability to refinance and purchase a new home. 

Details : - Loan # XXXX, property address XXXX XXXX XXXX, XXXX, GA. 
- Payment due XX/XX/year>. 
- Borrower attempted online payment in XX/XX/year> but was told loan was already transferring to XXXX. Staff assured borrower that no late payments would be reported within 90 days. 
- Transfer notice dated XX/XX/year> confirms autopay was discontinued and payments scheduled after XX/XX/XXXX would not be drafted. 
- Loan statement dated XX/XX/year> shows autopay was not set up, despite borrowers expectation. 
- XXXX denied correction, claiming transfer had nothing to do with the late payment. 
- Borrower has spotless payment history ; this was caused by servicer error and misrepresentation. 

Requested Resolution : - Removal of the XX/XX/year> late payment from all credit bureau reporting. 
- Written confirmation that the account is in good standing. 

Attachments : - XXXX XXXX email confirming misrepresentation. 
- XX/XX/XXXX transfer notice. 
- XX/XX/XXXX loan statement.

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 2025-12-01 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:
I am following up regarding my prior dispute concerning multiple inaccurate and unverifiable entries on my credit reports with Experian, Equifax, and TransUnion. Despite my previous notifications, numerous errors remain, which continue to negatively impact my creditworthiness and violate my rights under federal law. My name is still inaccurately reported as " XXXX XXXX '' in TransUnion, and my addresses remain incorrect across all bureaus, including XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX in Equifax, and XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX, PA XXXX in TransUnion, all of which constitute violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Several accounts continue to show inaccurate late closures across the bureaus, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * * and CELTIC XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * *, inconsistently reported in Experian, Equifax, and TransUnion. These inaccurate late closure reports falsely reflect negatively on my payment history and credit reliability. 
Charge-offs are reported incorrectly and remain on my credit reports, including XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * *, XXXX XXXX XXXX * * * * opened XX/XX/XXXX with {$2700.00} * *, XXXX XXXX XXXX XXXX XXXX XXXX with {$1800.00} * *, XXXX XXXX XXXX * * * * opened XX/XX/XXXX with {$5100.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX with {$5000.00} * *, all inconsistently reported across the XXXX bureaus. These items violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Collection accounts are also inaccurately reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$1800.00} balance * *, which violates FDCPA 809 ( 15 U.S.C. 1692g ), FCPA 807 ( 15 U.S.C. 1692e ), and FCRA 605B / 15 U.S.C. 1681c-2. These collections are either unverifiable or already resolved and should be fully removed from my credit reports. 
Unauthorized inquiries continue to appear, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX in Equifax ; and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX in TransUnion XXXX XXXX FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 following up regarding my prior dispute concerning multiple inaccurate and unverifiable entries on my credit reports with Experian, Equifax, and TransUnion. Despite my previous notifications, numerous errors remain, which continue to negatively impact my creditworthiness and violate my rights under federal law. My name is still inaccurately reported as " XXXX XXXX '' in TransUnion, and my addresses remain incorrect across all bureaus, including XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX in Equifax, and XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX, PA XXXX in TransUnion, all of which constitute violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Several accounts continue to show inaccurate late closures across the bureaus, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * * and CELTIC XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * *, inconsistently reported in Experian, Equifax, and TransUnion. These inaccurate late closure reports falsely reflect negatively on my payment history and credit reliability. 
Charge-offs are reported incorrectly and remain on my credit reports, including XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance * *, XXXX XXXX XXXX * * * * opened XX/XX/XXXX with {$2700.00} * *, XXXX XXXX XXXX XXXX XXXX XXXX with {$1800.00} * *, XXXX XXXX XXXX * * * * opened XX/XX/XXXX with {$5100.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX with {$5000.00} * *, all inconsistently reported across the XXXX bureaus. These items violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Collection accounts are also inaccurately reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$1800.00} balance * *, which violates FDCPA 809 ( 15 U.S.C. 1692g ), FCPA 807 ( 15 U.S.C. 1692e ), and FCRA 605B / 15 U.S.C. 1681c-2. These collections are either unverifiable or already resolved and should be fully removed from my credit reports. 
Unauthorized inquiries continue to appear, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX in Equifax ; and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX in TransUnion XXXX XXXX FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
I had XXXX transfers, XXXX on XX/XX/XXXX and another XXXX  on XX/XX/XXXX, but I didnt receive any information about my money.The online service always says that need to wait, I already waited XXXX month, why cant solve this issue. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Everyday I get roughly 10-15 phone calls. I keep reporting the number as spam and they keep changing the phone number and calling from different numbers the generate. Over XXXX $ they state is " owed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed im
mediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation