vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
I have been trying to transfer money from my unemployment way2go card to my personal XXXX XXXX account since XX/XX/XXXX. After every transfer, the way2go card charges a transfer fee and states that the transfer has been CLEARED, however a few days later, the money kicks back to my way2go card. 

XX/XX/XXXX, XXXX, and XXXX - XXXX emailed requested documents containing all requested verification information to XXXX to no avail. 

XXXX - a customer service agent put an escalation on my account for manager call back due to the transfer issues. I have not received a call back to date. 

XXXX - I contacted way2go regarding the denials and the customer service rep saw no history of docs being sent in ( despite a prior rep advising me that a denial was issued due to docs not containing my routing and account number, when I in fact sent a bank statement with all matching info as requested ). I had to be escalated to level 2 who had no additional information regarding why the documents were denied and requested I sent them again.

This will now be the fourth time I am emailing a bank statement and required identification documents showing my current address, name, routing number and account number that matches all info way2go has on file.

I have a large sum sitting on my way2go card which I need to access to pay my bills. In addition to the transfers failing, the way2go card consistently declines despite more than enough funds being available. I have been unable to access my funds as needed.

This has caused a huge financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
I am a consumer working to resolve discrepancies on my credit report. I have found several inaccuracies and disputed accounts across the three credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( XXXX ). Below are the accounts I am disputing for your review. 

Charged Off Accounts : XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
In XX/XX/XXXX, a company named Absolute Resolutions Investments began reporting a {$19000.00} debt under the account name ABSOLUTE RESOLUTIONS I with account number XXXX on my Experian credit file. This account is listed as originating from XXXX XXXX XXXX XXXX. I disputed this account and requested full validation, including documentation bearing my signature, the full accounting ledger, proof of assignment or purchase, and documentation showing legal ownership of the account. The company did not provide any of this required information. 

Despite my formal dispute, the company continued to furnish information and update the tradeline. My credit file still reflects that this account is an active collection with a balance of {$19000.00}, and shows updated reporting as recently as XX/XX/XXXX. They have not provided any proof that I owe this debt, nor that they are legally authorized to collect it. 

This violates FDCPA 1692g ( b ), which prohibits collection and reporting activity while a debt is under dispute without validation. It also violates FCRA 1681s-2, because the company is continuing to furnish disputed information without proof of accuracy or ownership.

I am requesting that this company cease all collection activities, stop furnishing information to the credit bureaus, and remove or suppress this account until proper validation is legally produced. If they can not validate ownership, balance, or authorization, this item must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-09 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: IL

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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-09 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: MN

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-09 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: MN

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Equifax previously deleted an XXXX XXXX account from my credit file during a prior dispute. The same account was reinserted into my Equifax report without the legally required FCRA 611 ( a ) ( 5 ) ( B ) written notice. I did not receive any certification from the furnisher, nor did Equifax provide documentation explaining the reinsertion.

The account is now showing derogatory payment history ( 0 % on-time ) and updated data through XXXX, despite having been previously removed and closed since XXXX. This reinsertion was done without proper notice, making it an unlawful reinsertion and a violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
MY DISCOVER CARD DECLINED AND I HAD ENOUGH CREDIT LIMIT TO PAY. THE LIMIT WAS LOWERED SUDDENLY. MY XXXX XXXX DID THE SAME THING PRIOR TO THIS AND MY CREDIT ACCOUNT WAS NOT PAST DUE. NOW I AM UNABLETO PAY MY BILLS. I HAVE TO USE ALL OF MY CASH. I FILED DISPUTES ON XXXX XXXX AND NOW DISCOVER WITH XXXX  AND I HAVE NOT RECEIVED ANY RESPONSE. DISCOVER LIMIT WAS {$6000.00} WAS DECRESED. XXXX  LIMIT WAS XXXX WAS SIGNIFIGANTLY DECREASED. HAS CAUSED FINACIAL HARDSHIP UNABLE TO PAY BILLS. MULTIPLE CARDS WERE ISSUED FOR XXXX  AND XXXX WITH THE SAME ACCOUNT NUMBER AND WERE REPORTED LOST/STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Bank disbursed {$30000.00} from my matured certificate of deposit but refuses to provide any ACH trace, wire confirmation, transaction reference, or written proof of payment. 

On XX/XX/XXXX, Discover Bank sent me a written letter confirming the routing number, account number, and scheduled payment details for the CD disbursement. However, the funds were not deposited into the confirmed destination account as instructed.

After multiple calls, Discover representatives gave conflicting informationfirst stating the transfer was sent electronically, then claiming ACH is not allowed for CDs, and now refusing to identify what payment rail was actually used. A supervisor explicitly refused to provide any written confirmation of the disbursement.

My receiving bank ( XXXX  XXXX XXXX ) confirms that no incoming settlement exists. Discover can not provide any auditable proof that the funds ever left their custody. This is a missing funds and compliance failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-09 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: VA

Complaint narrative:
This account is unfamiliar and does not reflect my credit records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am disputing the following accounts. Please investigate the following items based on the information provided : Charged Off XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXX  data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief