vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to find an unauthorized inquiry on my credit report this morning. I routinely monitor my report, and seeing this out of nowhere has caused me serious concern. I refreshed the page thinking it might be an error, but it wasnt. Please go over the documents I submitted XXXX need this resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX  XXXX A XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
DataX does not provide an online option to start a XXXX XXXX They require for a completed form plus a copy of your XXXX XXXX XXXXd and proof of address ( ID, utility bill, etc. ) to process a XXXX XXXX 

Mailing a copy of an XXXX card exposes a high-value target for thieves. 

DataX is owned by Equifax ; other consumer bureaus typically offer phone or online freeze options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I am a military service member and didn't realize i was protected under SCRA laws that my vehicle can not be repossessed with a court order ( XXXX  took me vehicle anyway ). furthermore I later found out that I am also protected under the Military Lending Act which caps interest rates at 36 % ( XXXX  had me well over 100 % interest and didn't disclose anything about the MLA knowing i was a service member )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX  / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosu
re of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of multiple late payments on my credit report by XXXX. These entries are factually incorrect, as the payments in question were made on time. Despite this, they remain listed as late, causing unwarranted damage to my XXXX XXXX and financial standing. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
In XX/XX/XXXX I received a fraud call from CitiBank, there were XXXX suspicious charges on a card that I had. This account had been carrying a XXXX balance for several months and I was planning to close the account. At the time of the phone call I informed the credit card company that the charges were not mine and that the balance on the account was XXXX and to just close the account. They agreed to take care of the fraudulent charges and closed the account. At which time I destroyed the card and I never got another thing from them, I assumed it was closed. 
Around XX/XX/XXXX my XXXX XXXX started to rapidly drop. After some research I realized it was for the Citibank fraudulent charges. I started contacting Citibank immediately and disputing these charges. I was also disputing the charges with XXXX XXXX. Citibank never sent me anything to see what these charges were. 
Last week I received a call from a collection agency, they were calling about Citibank. I informed this caller with all of the above mentioned information. I told her that I gotten nothing about this account and she was verifying my information and the address she had was not mine. I have lived at the same address from XXXX  years. She could not provide me with the address that she had on file. She changed my address and today I got a collection letter in the mail. With every person I spoke to that represented Citibank they have agreed this looks fraudulent. 
I have worked very hard to keep my credit in the excellent range and this is destroying my credit. 
I would just like this cleared from my credit so that I can move on and take care of this. 
Thank You, 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 monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data XXXX, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Armcon Corp
State: CA

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and Metro 2 To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX The Date of Last Activity is inconsistent : TransUnion reports XX/XX/XXXX Equifax and Experian reports XX/XX/XXXX Violation of FCRA 607 ( b ) and Metro 2 Field 25 ( inaccurate and misleading reporting of aging ) Nature of Dispute : Metro 2 Data Inconsistency : The remarks, times of days late, and date of last activity differ from the data reported to other bureaus, indicating a reporting failure. 
Charge-off status must be validated with documentation from the original creditor. If the collection agency fails to provide a full chain of custody of the debt, this entry should be removed. 
This account, the required 'Consumer Disputes ' compliance remark appears to be missing. I am requesting an immediate investigation and removal of these errors. If the information can not be fully verified in compliance with FCRA and Metro 2 guidelines, I demand its removal from my credit report.

The account status conflicts : Equifax : Open- Charge Off Transunion and Experian : Charged Off Collection/ Charge-off Violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Field 17 ( status codes must be consistent across CRAs ) The payment history is entirely missing : All bureaus show No History Available Violation of Metro 2 reporting standards ( field omission reduces transparency and accuracy ) The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has not reported my lease or positive payment history to any of the Credit Bureaus. I have requested that they do this on XXXX separate occasions. They have failed to do so. 

A representative from XXXX XXXX XXXX informed me via phone last week that the reason the information hasn't been reported is that XXXX XXXX XXXX would accidentally report negative information and has instead opted not to report the information at all. 

I am demanding that XXXX XXXX XXXX report the lease, all 10 months ' worth of positive payment history, and continue to report that information for the duration of the lease. If XXXX fails to report this information, they are engaging in unfair credit reporting practices, as they would likely report negative information accurately if that were the case. 

XXXX has sent " ME '' letters to forward to all three bureaus. I forwarded those letters to the bureau. They did not place the information on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has not reported my lease or positive payment history to any of the Credit Bureaus. I have requested that they do this on XXXX separate occasions. They have failed to do so. 

A representative from XXXX XXXX XXXX informed me via phone last week that the reason the information hasn't been reported is that XXXX XXXX XXXX would accidentally report negative information and has instead opted not to report the information at all. 

I am demanding that XXXX XXXX XXXX report the lease, all 10 months ' worth of positive payment history, and continue to report that information for the duration of the lease. If XXXX fails to report this information, they are engaging in unfair credit reporting practices, as they would likely report negative information accurately if that were the case. 

XXXX has sent " ME '' letters to forward to all three bureaus. I forwarded those letters to the bureau. They did not place the information on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has not reported my lease or positive payment history to any of the Credit Bureaus. I have requested that they do this on XXXX separate occasions. They have failed to do so. 

A representative from XXXX XXXX XXXX informed me via phone last week that the reason the information hasn't been reported is that XXXX XXXX XXXX would accidentally report negative information and has instead opted not to report the information at all. 

I am demanding that XXXX XXXX XXXX report the lease, all 10 months ' worth of positive payment history, and continue to report that information for the duration of the lease. If XXXX fails to report this information, they are engaging in unfair credit reporting practices, as they would likely report negative information accurately if that were the case. 

XXXX has sent " ME '' letters to forward to all three bureaus. I forwarded those letters to the bureau. They did not place the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am reporting identity theft involving a collection account placed by I.C System on behalf of the original creditor, XXXX XXXX. I did not open, authorize or use any XXXX XXXX account linked to this debt. This is a case of Identity Theft and I have never received services from XXXX at location tied to this account I became aware of this fraudulent account when I received my credit report and saw a collection from I.C system that I do not recognize I have completed a identity theft affidavit to support my claim and have provided all necessary documentation despite these actions the account still appears in collections and is negatively impacting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omni AR, LLC
State: DC

Complaint narrative:
I had an account to go to collections for about {$1000.00} dollars. I never received mail, email, any communications from either the rental management agency nor the collections agency. I called to dispute with the collections agency in XX/XX/year> and they responded that they sent notices starting XX/XX/year> to the address I confirmed as correct. I was told I will receive copies of all these communications through email. I was not provided with any proof of these letters being sent to me or copies of the letters. Despite having my phone number the collections agency made no attempt to call. Prior to moving out I emailed property management multiple times since I had not heard from them. The amount owed was posted to the ledger after I paid my last month of rent and I was never notified though email as in the past. The first notice I received of this was an alert on my credit report. They refused to communicate further with me when I continued to ask for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief