vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JPMBC AUTO. The company pulls my credit report without authorization on XX/XX/scrub>/2025 this inquiry does not attach to an account and will never attach to an account, therefore i am asking JPMBC AUTO for a clear and convincing evidence that I XXXX XXXX entered their physical location on XX/XX/year>2025 and asked for a loan. if JPMBC failed to provide physical evidence please remove the inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Navy Federal Credit Union [ Address of Navy Federal Credit Union or Their Credit Reporting Dept ] Re : Immediate Removal of Unverifiable Late Payment Account # XXXX To Whom It May Concern : This letter is a formal demand for the immediate deletion of the late payment Navy Federal Credit Union has reported on my account # XXXX. This reporting is unverifiable and therefore unlawful under the Fair Credit Billing Act, 15 U.S.C. 1666b, as well as the Fair Credit Reporting Act, 15 U.S.C. 1681s-2.

If you can not produce full, admissible documentation proving the accuracy of the alleged late payment including the original due date, date payment was received, date payment was posted, and proof that proper notice was sent then you must immediately remove this entry from every credit bureau to which you furnished it. Anything less is a willful violation of federal law.

You are hereby on notice that failure to comply within 15 calendar days from the date of receipt will result in : 1. A formal complaint to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency.

2. Civil action to recover damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

This matter is not up for negotiation the law is clear. Delete the unverifiable late payment immediately and provide me with written confirmation of its removal.

This is your final opportunity to correct the violation before I escalate through all available legal and regulatory channels. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
On XX/XX/year>2025 at XXXX XXXX EDT, I sent OneMain Financial / XXXX  a Cease and Desist Immediately order via fax to XXXX. FaxXXXX confirmed delivery. 

Despite having direct, documented notice to stop all communications, OneMain Financial called me twice later the same day from XXXX ( XXXX, IN ) : XXXX XXXX  CDT First unlawful contact after cease and desist. 
XXXX XXXX CDT Second unlawful contact after cease and desist. 

Each call is a separate {$1000.00} statutory violation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) and 1692d ( 5 ) ) and a prohibited collection practice under Minnesota Statutes 332.37 ( 12 ). These calls also violate the CFPBs UDAAP authority for unfair and abusive conduct.

Requested resolution : 1. Recognition of two separate {$1000.00} violations for a total of {$2000.00} in statutory damages under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ). 
2. Written acknowledgment of the violations and a formal apology.

3. Immediate assurance that all communication will cease unless expressly permitted by law.

4. Preservation of all call logs, account notes, and recordings from XX/XX/scrub> 2025 onward for regulatory review. 

Evidence available for upload : Fax confirmation showing cease and desist delivery at XXXX XXXX  EDT on XX/XX/scrub>/2025. 
Screenshots of missed calls from XXXX at XXXX XXXX  and XXXX XXXX  CDT on XX/XX/year>2025. 
Company logo/branding confirming association with OneMain Financial / XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Re : Formal Demand for Deletion of Inaccurate Charge-Off Reporting XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have reviewed my credit report and found an entry reporting a charge-off for the above-referenced account. I dispute the accuracy, completeness, and legality of this reporting in its entirety.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to verify all aspects of this account, includingbut not limited tothe original signed contract, complete payment history, proof of lawful assignment, and documentation showing the calculation of the alleged balance at charge-off. Generic data from a furnisher or automated records are not sufficient verification.

Additionally, pursuant to 15 U.S.C. 1692g ( b ), if this account was ever in the possession of a debt collector, all collection activity ( including reporting ) must cease until full validation is provided. If the debt has been sold, the original creditors continued reporting may constitute furnishing inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ).

If you can not provide verifiable documentation within 30 days from the receipt of this dispute that satisfies the above requirements, you must immediately delete this account from my credit file and provide written confirmation.

Be advised that continued reporting of unverifiable, outdated, or incomplete data will constitute willful non-compliance with federal law, exposing your agency to legal action, statutory damages under 15 U.S.C. 1681n, and attorneys fees. 

This is my final attempt to resolve this matter amicably. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Account Name : XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
Recently, I was apprised that my credit score had dropped over XXXX points due to 4 hard credit inquiries made in the first half of XX/XX/year>2025 to my ( frozen ) Equifax credit report. The request was made by " XXXX XXXX '' with additional descriptive information that says " XXXX XXXX XXXX. '' I immediately disputed those inquries with Equifax online and those disputes were very quickly dismissed, with the statement that the hard " inquiry was valid and factual. '' I don't agree that these inquiries were valid or factual because a ) I did not initiate them and b ) I did not give anyone permission to make them. 

I repeated the dispute process online, with the same result ( denied ). I then called the entity that made the hard inquiry, XXXX XXXX XXXX XXXX. They verbally confirmed that I had not made any application for any type of financial product from them that would require a hard inquiry - or * any * inquiry - during the timeframe of the first half of XXXX, or anytime near that timeframe. I then called Equifax and sat on hold for hours, only to receive a wholly unsatisfactory nonsense explanation from an agent who had an extremely poor mastery of XXXX, telling me very haltingly and with poor grammar and syntax that I needed a police report. I asked her " what would I report? '' After requesting to speak with a supervisor and then waiting on hold for more time and speaking with a supervisor, I was told to submit a complaint to the FTC. The FTC website then directed me to the CFPB. According to my read of the news, and as a federal employee myself, I'm well aware that nearly 90 % of CFPB employees have been dismissed/laid off/RIF'ed or otherwise fired or placed on admin leave and * are not working. * So I'm sincerely unsure how this is going to help at all, but a supervisor at Equifax told me repeatedly that as soon as I submit these words to you, that they can remove these false inquiries from my credit report. I've got my own misgivings about this, given your staffing situation, but why not, I've already had half my day wasted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent account from my credit file as required by law. The account in question includes XXXX XXXX XXXX, which XXXX XXXXXXXX confirmed would be deleted but remains on my report. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me XXXX XXXX, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year>2025 letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I requested validation and according to law you failed to provide full proof ownership, contract of assignment, bill of sale. 

XXXX XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) the Virginia XXXX XXXX XXXX ( panel, then rehearing en banc activity ) held that a debt buyer must trace the chain of its title to the specific debt it seeks to recover ; the chain may not be broken and absence of transfer documents for the particular account defeated standing. 

XXXX XXXX XXXX XXXX XXXX ( XXXX NY slip op ) court found lack of any bill of sale establishing a required link in the chain of title. ( NY courts also have consumer-credit collection rules requiring affirmation/attachments showing sale/assignment and chain of title ). 
XXXX XXXX, XXXX ( and related debt-buyer decisions in New York ) New York trial decisions have repeatedly rejected proofs where the plaintiff failed to produce the bill of sale/assignment establishing the transfer to the plaintiff ( courts cite missing link ( s ) in the chain and lack of an account-specific bill of sale )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Complaint narrative : I am filing this complaint against XXXX  for violations of the Fair Credit Billing Act and Fair Credit Reporting Act involving unauthorized post-cancellation charges and false credit reporting. 
Account Details : Account Number : XXXX XXXX XXXX XXXX XXXX held since XXXX Official closure date : XX/XX/XXXX Issue Summary : Despite officially closing my account with a confirmed {$0.00} balance on XX/XX/XXXX, XXXX  continued charging unauthorized late fees and interest. They subsequently reported false delinquency to credit bureaus, severely damaging my credit score and business operations. 
Timeline : XX/XX/XXXX : Paid all outstanding balances due to banking issues XX/XX/XXXX : Received official closure email stating " We've closed your account as per your request '' with " CURRENT BALANCE {$0.00} '' XXXX XXXXPresent : XXXX  added unauthorized charges despite closure XXXX  XXXX : False delinquency reported to Experian and TransUnion XXXX XXXX XXXX  : Multiple unsuccessful customer service attempts Legal Violations : Fair Credit Billing Act ( 15 USC 1666 ) : Charging fees after official account closure violates billing error provisions Fair Credit Reporting Act ( 15 USC 1681 ) : Reporting false delinquency after confirmed closure violates accurate reporting requirements Evidence : Email from XXXX  dated XX/XX/XXXX, confirming account closure with XXXX balance Credit reports showing negative items after closure date Documentation of customer service contacts Business Impact : The false credit reporting has damaged my credit score and prevented access to business financing, directly threatening my business operations and livelihood.

Resolution Requested : Remove all unauthorized post-cancellation charges Correct all credit bureau reporting to reflect proper closure date Provide written confirmation of corrections Compensate for credit damage and business losses Previous Resolution Attempts : Six months of customer service contacts have been unsuccessful. XXXX continues to violate federal law despite clear evidence of account closure. 
This complaint involves willful violations of federal consumer protection laws requiring immediate regulatory intervention.

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 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I reached out to the company via phone and spoke with a representative on the following dates : XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 I paid Sequium Asset Solutions {$1400.00} to bring the account current and close it out. I was informed that I would receive a notice via email in 24-48 hours and have not received any documentation to verify the account has been terminated so that they can relinquish any wage garnishment from my employer moving forward and remove any and all trade lines from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CBC Companies, Inc.
State: TX

Complaint narrative:
All data brokers, such as Innovis, XXXX and others, should be required to provide real time online access to the data being collected on the individual. The Big 3 ( XXXX XXXX  and XXXX  ) provide this service and all data brokers should be required to do the same. 
I recently requested a copy of my Innovis file and it is virtually impossible to view or obtain a copy of the file in less than 30 days. 
All data brokers should allow a customer immediate online access to their data file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate and correct inaccurate information on my credit report. This is not my first dispute. I have sent multiple written disputes to Equifax, yet they continue to report the same unverifiable and misleading information without providing documentation from the furnishers to support their claims. 

Equifax is reporting a XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$4300.00}, as having late payments. I have repeatedly requested proof such as account statements or payment records that would verify these alleged late payments, but none has been provided. By continuing to report these lates without verifiable evidence, Equifax is in violation of FCRA 607 ( b ) requiring maximum possible accuracy, and 611 requiring a reasonable reinvestigation. 

Equifax is also reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$0.00} balance, as a charge-off. This reporting is contradictory and misleading because a XXXX balance means the account was either paid, settled, or otherwise resolved. Reporting it as a charge-off when there is no debt owed is inaccurate and harmful to my creditworthiness. Equifax has failed to produce any documentation from the furnisher explaining this contradiction, which is a clear FCRA violation. 

Additionally, Equifax continues to report an XXXX account number XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$17000.00}, as a charge-off without providing proof of the debt, the original signed agreement, or the complete payment history. Without proper validation, the continued reporting of this account is unlawful under FCRA 607 ( b ) and 611, as well as FDCPA provisions regarding false representation of debt.

Equifaxs refusal to remove or correct these unverifiable accounts has caused significant damage to my credit profile, resulting in denials of credit, higher interest rates, and emotional distress. Their actions show a pattern of noncompliance with federal law, and I am requesting that the Consumer Financial Protection Bureau take enforcement action to compel Equifax to delete or correct these items immediately.

Company response to consumer: Closed with non-monetary relief