vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$990.00} XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly consider this a formal notice contesting the accounts referenced. I am not associated with them and did not authorize their creation. A proper review and removal are requested. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute several accounts that I believe have been reported inaccurately on my credit report. Please review the following details of the disputed accounts, which I request to be corrected. I have separated each bureau 's report for your convenience. 

CHARGED OFF XXXX XXXX XXXX XXXX  Account Number : XXXX Account Date : XXXX Balance : {$8700.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XXXX Balance : {$2800.00} INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been with Truist for a couple of months now, I initially opened a checking and savings account. They closed my savings for an unknown reason and kept my checking account opened. On XX/XX/year>, I attempted to open a savings account online, but was given a message that I needed to call the bank or go inside a branch to open the account. I went to a local branch and attempted to open the savings account, which was successful or so I thought. I then left the bank and attempted to purchase food from a XXXX XXXX XXXX beside the bank and was told by the cashier that my card was declined and it said my account was closed. I was very confused because I had literally just opened the savings account maybe XXXX minutes prior. I then went back to the branch and spoke to XXXX XXXX who helped me open the savings. She said it was a very common problem with the bank and that it happened to a lot of clients and they usually get their money back quickly. She called the XXXX  and was present while verified my identity with the XXXX  associate. XXXX made it seem as though it was because I owed a previous bank ( XXXX ) {$200.00} from them overdrafting after an automatic payment went through. Eventually, she told me that the problem was with XXXX  and that I would need to contact them. I honestly believe that XXXX tried to " force '' open the account. She initially sent a link to my phone for me to open the account, and I received the same message that I needed to verify my identity. She then did something on the computer and she somehow was able to open the account. If I hadn't tried to open this savings account I believe that there wouldn't have been a problem. Now I can't get anyone to tell me whats going on. I have over {$5500.00} sitting in that account that I have bo access to. This is absolutely ridiculous! I am a hardworking man and I need access to my money ASAP. I am the only person working in my household and I have a family to provide for. I am not going to sit around and wait for a check when I didnt take a check into the bank. I am in a tight situation and need to pay rent. I have a family to provide for. This was every bit of money I had. Now there is a hold or freeze on my account and no one at Truist can tell me why. I will rlbe making numerous complaints and calling whoever I need to to get this resolved TIMELY. I will also seeking legal aid to see what help they can offer. I am not sitting around waiting for weeks for my money. I will never do business with Truist ever again and will warn anyone who might consider doing business with them. I need this rectified ASAP because I have no funds whatsoever at my disposal. This eas the worst experience and embarrassing also.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted the required XXXX form on time for my Citi XXXX XXXX card. Citi confirmed receipt, yet my card was closed shortly afterward with no explanation. Why was the account closed, and why wasnt my documentation processed?

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 2025-12-04 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful. 

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 explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX - XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: World Acceptance Corporation
State: SC

Complaint narrative:
am submitting a dispute regarding the accuracy and completeness of an account reporting on my credit file. The information being furnished contains multiple conflicting entries and is not being reported in compliance with 15 USC 1681s-2 ( a ) ( 1 ) ( A ) which prohibits reporting information known to be inaccurate. 

Account Being Disputed Type : Installment / Secured Loan Date Opened : XX/XX/XXXX High Balance : {$640.00} Date Updated/Closed : XX/XX/XXXX Balance : {$0.00} Remarks : Purchased by another lender ; Paid in XXXX a charge-off Pay Status : Sold ; was charged-off Discrepancies & Grounds for Dispute 1. The account is reported as Sold/Charged-off while remarks state Paid in full.

These are conflicting statuses. A debt can not be charged-off and sold while also being reported as paid in full.

2. Terms listed as {$0.00} per month for 10 months are inaccurate for an installment loan.

Terms can not legally reflect {$0.00} payments.

3. No Date of First Delinquency ( DOFD ) is listed or verified, which is required for accuracy under credit reporting rules.

4. Reporting appears inconsistent, incomplete, and misleading, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) which require accurate reporting and correction of known errors.

5. Per 15 USC 1681s-2 ( b ), once a consumer disputes information, the furnisher must investigate, update, correct, or delete any information that is inaccurate, unverifiable, or incomple

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Please inspect the supplied documents ; the inquiries appeared unexpectedly and may not have approval.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA closed my long standing checking account with them without any warning. They mailed a check for the amount in the account, and this tied up my money.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a notification from XXXX XXXX that a new line of credit was available in my credit report. I looked into it and it was for a SynchronyXXXX XXXX card XXXX It was opened on XX/XX/year>. XX/XX/year> I was notified by rocket money. I called XXXX, XXXX, and XXXX  and had a fraud alerts placed and disputes opened. I called Synchrony Bank, the issuer of the XXXX XXXX card and reported the fraud. They informed me they will close the account.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was not approved for a mortgage loan due to the fact XXXX vacation ownership is showing me as having a mortgage. Letter showing the credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 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: CA

Complaint narrative:
I am requesting a reinvestigation into several items appearing on my credit reports that I believe are inaccurate or unverifiable. Below is a breakdown by credit bureau of the specific accounts and inquiries I am disputing. 
Charged-Off Accounts in Dispute XXXX. XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Reported Balance : {$440.00} Reason for dispute : This charged-off account is being reported without sufficient verification or supporting documentation. I am requesting that Experian confirm the accuracy of the reporting, including the correct balance, dates of delinquency, ownership, and all required records. If full verification can not be obtained, the account should be corrected or removed under FCRA 611. 

Inquiries in Dispute XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Reason for dispute : These inquiries appear without my knowledge or authorization. I request that Experian confirm whether permissible purpose existed under FCRA 604. If they can not validate the purpose or authorization, these inquiries should be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> : You received an email saying PAID IN FULL. 
The statement shows a Miscellaneous fee waived ( - {$420.00} ). 
Then they added the fee back, posted it without notifying you, and you paid it after noticing it later. 
Now Capital One is claiming their reporting as Closed Charge Off is accurate, even though your balance shows {$0.00} and you were told it was paid. 

I reported this was a mistake several times as my account was paid in full by me, it was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
SEVERAL TIMES REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

EQUIFAX SENDS OUT STALL LETTERS ASKING FOR THE SAME IDENTIFYING INFO REPEATILY I SENT OUT A REQUEST TO ANNUAL CREDIT REPORT FOR A COPY OF MY CREDIT REPORTS ORIGINALLY ON XX/XX/year>, EQ SENT A LETTER REQUESTING TO RESUBMIT IDENTITY PROOF AGAIN R # XXXX XXXX THESE ITEMS WERE SENT TO THE ADDRESSES IN THE LETTER ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), JUST FOR EQ TO ME ANOTHER STALL LETTER REQUESTING THE SAME ITEMS AGAIN XXXX XXXX XXXXXXXX XXXX AND AGAIN I MAILED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THIS INFO OUT AND AGAIN EQ RESPONDED WITH YET ANOTHER STALL LETTER REQUESTING THE SAME EXACT THINGS XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). THAT A TOTAL OF SIX LETTER SENT TO EQ AND STILL THIS DATE OF XX/XX/year> I HAVE YET TO RECEIVE MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: VA

Complaint narrative:
XXXX XXXX, XXXX  I received an unusual letter re my new credit card application. They said they needed more information due to my score on Experian. I found my scores online and also found an unknown agency listed as a Negative feature- VALOR INTELLIGENT PROCESSING. There was no mention of a company alleging debt, just a listed balance of {$310.00} This is unacceptable! Where was my Validation Information Notice? I've been denied my legal right to be informed, and to DISPUTE any alleged debt. Who is the original company that secretly attempted to derail and destroy my good credit record? 

Please inform ALL companies involved with this XXXX that I'm seeking accountability. 

They violated This Consumer 's legal protection and rights. There must be a penalty!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 explanation