vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-07 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XXXX I had applied and had been granted the Citibank diamond preferred credit card. Its been 6 weeks and I have still not received the credit card. I have called customer service on three different occasions to resolve this and they have not been any help. On one occasion I called and changed the account address to resolve the problem. Customer service told me they updated the address on account. I waited a few more weeks for my credit card and it still didnt arrive. I got an automated notice from Citibank that I needed to call customer service to update my address again. I called again to update my address but instead customer service mistakenly closed my account. I asked to speak to a supervisor and I waited for over 2 hours and still no resolution. Then they just hung up on me. I still have no resolution and no credit card.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In the previous claim # XXXX it was established that upon my husband 's death, XXXX Bank froze the account, preventing us from withdrawing the existing balance in Account # XXXX. However, said account freeze was for us, while XXXX Bank continued profiting from the charges made to our account, decreasing the balance. In that previous claim, it was established that the correct balance should have been {$1700.00} as of XX/XX/XXXX. For the statement of XX/XX/XXXX, they credited the amount of {$380.00}, which we understand is a consequence of their management of said claim. However, XXXX Bank then continued making the charges, and now, as of XX/XX/XXXX, the balance reflected is {$1000.00} when it should have been {$1700.00}, a difference of {$690.00}. We are requesting that this amount be credited to the account to correct the balance and reflect the {$1700.00}. 

We understand that by XX/XX/XXXX, we would be submitting the required documents to close the account, but we need the balance corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-05-07 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Federal Trade CommissionConsumer Response XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Dear Sir or Madam, I am writing to formally dispute the inaccurate re-reporting of a Bank of America credit card account on my credit report. This action appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and may constitute improper debt re-aging or inaccurate reporting. Given the significant impact this has had on my credit score, I respectfully request a thorough investigation into this matter.

Account Details : Creditor : Bank of America Date of Re-Reporting : XX/XX/scrub>XXXX XXXX XXXX Issue Summary : This account was previously removed from my credit report, then re-reported without proper verification or notice, which may constitute a violation of my rights.

During the period it was removed, my credit score improved significantly, but upon its return, my score dropped more than the previous gain, indicating potentially inaccurate reporting.

The re-reporting of this account may also involve improper debt re-aging, inaccurately reflecting my payment history and potentially violating the FCRAs requirements for accurate and fair reporting, including : 15 U.S.C. 1681c Limits how long negative information can remain on a credit report ( typically 7 years ). 

15 U.S.C. 1681s-2 Requires furnishers to report accurate and complete information.

15 U.S.C. 1681i Guarantees the right to dispute inaccurate information and mandates a reasonable investigation.

15 U.S.C. 1681b Restricts the permissible purposes for accessing and re-reporting consumer information.

Given these concerns, I kindly request that the FTC investigate this matter to ensure that my rights as a consumer are protected. I have attached copies of my recent credit reports and other supporting documentation to assist with this review. 

Thank you for your prompt attention. Please confirm receipt of this dispute and keep me informed of any updates regarding your investigation. 

Sincerely, 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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Account XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, negatively impacting my credit standing. I am requesting immediate correction and removal of any information that can not be fully verified in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: WA

Complaint narrative:
Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. KeyBank is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. KeyBank has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact KeyBank. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which XXXX is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. 

Now on XXXX  and XXXX  it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. 

I am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC regarding their attempts to collect an alleged debt. 
- I received a court summons from them regarding a debt I do not recognize and for which they have provided no signed agreement or proper documentation. 
- They have sent me text messages regarding this debt, which I believe may violate the Fair Debt Collection Practices Act ( FDCPA ) and the CFPBs Regulation F.

- I have never received proper debt validation as required under 15 U.S.C. 1692g.

- They submitted a redacted statement from a third-party creditor ( XXXX XXXX ) without proving they own or have legal standing to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unfair late payment entries reported by XXXX XXXX XXXX XXXX on my credit report, with the following accounts listed below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Avant LLCXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments are not only incorrect but are also damaging my credit standing despite my history of responsible financial behavior. I have reviewed my records and can confirm that the reported late payments are inaccurate. I either made payments on time or was never properly notified of any delinquency. I have attempted to resolve this matter directly with the creditor and/or credit bureaus, but they have failed to provide sufficient justification or correct the reporting. I have maintained consistent, on-time payments, and there is no valid reason these should be listed as late. I have never given neither of these credit agencies authorization to report on my behalf. I respectfully request that the CFPB investigate this issue and assist in having the inaccurate late payment entries removed from all three major credit bureaus. These entries do not accurately reflect my creditworthiness and are unjustly impacting my ability to access fair financial opportunities. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation