vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to pe
rsist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have tried to get the original issue investigated and the result was it could not be investigated in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because XXXX  XXXX is inaccurately reporting information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question has been paid in full, yet XXXX XXXX continues to report it as an active collection/charge-off instead of updating it to reflect a {$0.00} balance and a closed/paid status. 

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to promptly update and correct any information they have furnished that is incomplete or inaccurate. XXXX XXXX has failed to update the status of this account even after it was paid, causing ongoing harm to my credit profile. 

Additionally, under FCRA 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a reinvestigation. The continued reporting of this account as an active collection/charge-off is inaccurate and misleading. A paid account can not continue to report as an open/active derogatory tradeline.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
Trustmark National Bank is repeatedly and inaccurately reporting multiple new delinquency events on a closed/charged-off account. These false updates appear several times per month and are being furnished as if the account became delinquent again on each new date. This reporting is false, misleading, and appears intended to damage my credit profile. 

I have received repeated credit alerts fromXX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX showing the following : XX/XX/year> Delinquent Account reported XX/XX/year> Delinquent Account reported XX/XX/year> Delinquent Account reported XX/XX/year> Delinquent Account reported XX/XX/year> Delinquent Account reported Each alert states that a new delinquency has appeared, even though the account has been closed and charged off, and no new delinquency has occurred. 

This is not monthly updating. These are multiple, separate delinquency events being furnished repeatedly. 

Trustmark is violating : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they know or should know is inaccurate.

FCRA 623 ( a ) ( 2 ) Failure to correct and update information accurately.

FCRA 605 ( c ) Illegal re-aging furnishing new delinquency events with fresh dates. 

CFPB UDAAP rules ( Unfair, Deceptive, or Abusive Acts or Practices ) Repeated negative reporting that has no legitimate purpose other than to suppress a consumers credit score.

FDCPA 806 & 807 ( Harassment / False Representation ) Repeated false delinquency reporting meant to pressure payment.

This repeated false reporting has : Triggered numerous credit score drops Triggered daily alerts showing new delinquencies Interfered with my ability to obtain credit Caused ongoing emotional distress Damaged my financial opportunities

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently noticed multiple fraudulent charges on my card in XXXX when I was signing on to pay my statement. Citibank had flagged XXXX charges dated from XX/XX/year> to XX/XX/year> ( totaling {$2100.00} ) as possible fraudulent charges. Unfortunately, with the slip of a finger I selected " I recognize the transactions '' instead of " I do not recognize '' resulting in the fraudulent charges to be posted. I immediately went in and individually disputed each XXXX and called customer service right away. At the time, I provided all necessary info and cancelled the card and received a new one. 

For the past month, I have been back and forth with customer service and the fraud/investigations line. My charges which were flagged as suspicious by Citibank would not be reimbursed after investigation. I tried to appeal but don't seem to be getting anywhere. The XXXX department simply told me that since I never lost the physical card and the fact that I clicked I recognize the charges, that it would not be ruled in my favor. I tried explaining that the physical card does not have to be lost in order for someone to steal the information and use it online or via mobile wallet options. I have tried going to the local police precinct, but was turned away as this was a simple credit card company issue that should be resolved by the bank. 

I have been a loyal customer of Citibank for about 30 years. I have excellent credit and never ever made a late payment, nor have I ever had to call in for any kind of dispute. It can be clearly seen that the last few years, I have only used my card at my local gas station and my spending amounts are relatively the same ( under {$200.00} ). I don't ever really even make online purchases as my kids will assist with that. The fraudulent charges were all made out of state in XXXX within XXXX short XXXX of 3 days. I have never stepped foot outside of XXXX  the last few months. This is clearly not my spending habit nor do I spend money I do not have available to pay back. I am now forced to pay the minimum payment and risk having my credit affected negatively. I find that it's unfair for Citibank to use the reasoning that since I clicked " I recognize '' that these charges ( which were flagged as suspicious ) won't be reimbursed, despite reporting immediately about this issue. 

I have called multiple times to the fraud investigation dept but all they tell me is a generic customer service response that they will look into it further with no response back.

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 monetary relief
Consumer complaint received 2025-11-16 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: AR

Complaint narrative:
I disputed inaccurate information on my credit report with TransUnion regarding XXXX XXXX account.TransUnion closed the dispute and marked the information as verified as accurate and updated, but they never provided any documentation showing what XXXX XXXX used to verify disputed information. The verification is incomplete, unsubstantiated, and the investigation was not reasonable as required by the FCRA. TransUnion did not provide : what evidence XXXX XXXX used, any documentation verifying accuracy, any explanation of procedures used, any proof supporting the verified as accurate claim. TransUnion simply repeated the furnisher response without independently investigating or correcting the inaccuracies. This violates FCRA 1681i ( a ) because the investigation was not reasonable, the results were not properly verified, and the disputed information remains inaccurate and damaging.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
On XX/XX/year>XX/XX/XXXXpublicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on myXX/XX/XXXX credit report. I do not authorize XX/XX/XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. BecauseXX/XX/XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT Subject : ProCollect Harassment, Illegal Collection, Balance Manipulation, Failure to Validate, and Need for Written Confirmation of Permanent Deletion Complaint : I am filing this complaint due to serious violations committed by ProCollect during their attempts to collect a debt they were never able to validate.

1. Harassment & Illegal Threats ( FDCPA 1692d ) A ProCollect representative told me they could see my photos on social media and used that as supposed proof I owed the debt.

This is harassment, intimidation, and has NO legal basis.

It worsened my clinically diagnosed depressiv
e disorder and caused emotional distress.

2. False Representation ( FDCPA 1692e ) Using social media images to claim a debt is owed is deceptive, misleading, and illegal.

3. Failure to Validate ( FDCPA 1692g ) I disputed the debt in XX/XX/XXXX 
Instead of providing validation, ProCollect : reduced the balance from {$6800.00} to {$4000.00} later deleted the tradeline in XX/XX/year> NEVER provided validation NEVER provided a notice of investigation NEVER provided a deletion confirmation 4. Illegal Balance Manipulation ( FDCPA 1692f ) Collectors can not arbitrarily reduce balances to avoid providing validation or legal proof.

This is a deceptive practice.

5. Deletion Without Explanation + Reinsertion Risk ProCollect deleted the tradeline from all CRAs, but failed to provide : a deletion letter a closure letter proof of investigation a statement saying the account will not reinsert any confirmation the account is no longer being pursued I am entitled to written confirmation so the account is not : resold re-aged reassigned reinserted re-collected This complaint concerns a series of serious violations by ProCollect, including : harassment failure to validate the alleged debt manipulation of the reported balance illegal credit reporting unauthorized data sharing silent deletion without legally required notice Between XX/XX/year> and XX/XX/year>, ProCollect : harassed me by referencing my social media photos as proof of debt failed to provide proper validation reduced the balance from {$6800.00} to {$4000.00} after my CFPB complaint deleted the tradeline from ALL CRAs without sending the required deletion letter failed to provide a reinsertion notice did NOT certify the reason for deletion did NOT confirm the account will not reappear Their conduct violates : FCRA 1681s-2 ( a ) ( reporting accuracy ) FCRA 1681i ( a ) ( 5 ) ( B ) ( reinsertion notice requirement ) FCRA 1681e ( b ) ( maximum accuracy ) FCRA 1681b ( permissible purpose ) FDCPA 1692e ( false representations ) FDCPA 1692g ( failure to validate ) FDCPA 1692d ( harassment ) The deletion in XX/XX/year>, combined with harassment and silence, shows willful noncompliance and potential abusive practices.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
While I was attending XXXX XXXX XXXX XXXX, I did not have access to my phone, email, or any banking notifications for several months. During this period, both Capital One and XXXX closed multiple credit card accounts of mine. 

For Capital One, one automatic payment was returned due to insufficient funds, but I did not receive any warning, notice, or opportunity to correct the issue because communication is strictly limited during military training. All three of my Capital One credit card accounts were closed before I was able to resolve the situation. 

For XXXX, my credit card accounts were also closed while I was in training, again without any notice I could receive. These closures were marked as past due, but I had no way to view alerts or make payments while on active-duty military orders. 

Because these actions took place while I was unable to receive or respond to notifications, the closures happened without my knowledge. After completing training, I learned that the accounts could not be reopened, despite the fact that I had no ability to manage or correct the issues during my service. 

These closures have significantly affected my credit and financial stability, even though the circumstances were entirely beyond my control due to military communication restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XX/XX/XXXXXXXX Account XX/XX/XXXX AccountXX/XX/XXXX : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International has been trying to collect on a debt amount from a property that is no longer in business. I have asked for a Proof of Ownership & Right to Collect and Itemized Accounting documentation and haven't received. This debt began at {$1000.00} and is currently {$1200.00}. Every two weeks between XXXX XXXX XXXX is added to the debt. After receiving the lasted Debt Validation letter on XXXX XX/XX/year> @ XXXX 3 days later additional fees were added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline and remove account from my credit report for failing to furnish validation of debt with required requested documentation. This appears multiple times and has differing information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-16 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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