vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: DE

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 2025-07-10 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
on my credit report a hard inquiry by XXXX  was made with my knowledge or authorizaton

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is a formal complaint against Resurgent / LVNV Funding for persistent and unlawful violations of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ).

This company is reporting a collection account with an original balance of {$880.00}, now showing a past due balance of {$1000.00}. I have not received any legally required validation or verification notices related to this account, nor was I given a proper opportunity to dispute the debt within the time allowed by law. No letter was ever sent as required under the FDCPA or the FCRA.

Under 1681e ( b ), entities that furnish information to consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Yet this account has been reported monthly as a " collection '' from XX/XX/year> through XXXX XXXX-without a single piece of supporting documentation provided to me or to the credit bureaus. 
This is a clear violation of 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know-or should know-is inaccurate. There has been no validation of this account, no contractual proof of ownership, and no chain of custody from the original creditor ( XXXX XXXX XXXX  XXXX. ). Continued reporting of a disputed, unverified collection is unlawful. 
Additionally, I exercised my right to dispute this debt under XXXX ( a ), and despite doing so, the credit reporting agencies have continued to include this derogatory item with no meaningful reinvestigation or correction. 
I demand the CFPB : 1. Launch a full investigation into the business practices of Resurgent / LVNV Funding ; 2. Require them to produce proper validation and proof of ownership of the debt ; 3. Remove the account from all credit reports if no documentation is provided ; 4. Apply full penalties available under the FCRA for willful and negligent violations.

I have suffered material harm as a result of this reporting, including damage to my credit, mental distress, and credit denials. This is a willful attempt to collect and report debt without compliance with the law, and I request immediate regulatory enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This is a formal complaint regarding a fraudulent hard inquiry on my credit report. I am not aware of any transaction that would warrant this inquiry, and I did not authorize such access.

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 2025-07-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on ( 06.08.24 ) & ( 08.12.24 ) without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with CITI BANK. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CITI BANK for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Best regards, XXXX XXXX Send payment immediately via Certified Funds to : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charged-Off Account Account Number ending XXXX  To Whom It May Concern, I am writing to formally contest the characterization of the amount of {$68.00} associated with Account Number XXXX, which has been marked as " charged off '' and remains inaccurately represented in my credit report. As a consumer, I have the inalienable right to dispute any such inaccuracies, as enshrined in the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), it is incumbent upon you to ensure the veracity of information relayed to credit reporting entities. Thus, I request that you conduct a meticulous review of the aforementioned account and provide all pertinent documents demonstrating the factual accuracy of the reported charge-off status.

Should you fail to provide sufficient verification of this debt within the prescribed timeframe, I will expect a prompt rectification of the inaccurate report on my credit profile to bring it into compliance with statutory obligations. Your adherence to such legal protocols is not only expected but imperative in maintaining the integrity of the credit reporting process.

Thank you for your immediate attention to this critical matter. I look forward to your prompt and comprehensive response. 

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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I submitted several months ago information proving that I now have to care for XXXX XXXX  children, and my husband has become XXXX XXXX XXXX. I was told by all collection accounts that the debts would be forgiven and that I could receive a 1099C income tax adjustment as applied income. Accordingly, I request that this debt be forgiven and that the balance be deleted from all pertinent credit reporting agencies, and/or transferred to a third-party debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX, around XXXX, I started attending the XXXX XXXX XXXXXXXX XXXX. I attended from XXXX until XXXX. During which time I took out some XXXX XXXX  Along the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and is XXXX XXXX XXXX All of these loans are over XXXX years old ; and for some reason all of the credit bureaus are reporting it now, messing up my credit. According to 15c USC 1692 c outlines the restrictions on communication by debt collection. Specially, it states that without prior consent of the consumer or express permission from a court, a debt collector may not communicate with anyone other than the consumer, their attorney, or certain unauthorized parties regarding the debt. This section is part of the Debt Collection Practices Act, which aims to protect consumers from abusive debt collection practices. 1. The dates are : XX/XX/XXXX, the amount : {$6000.00}. 2. XX/XX/XXXX, the amount {$6700.00}. 3. XX/XX/XXXX, the amount {$2200.00}. 4. XX/XX/XXXX, the amount {$13000.00}XXXX XXXX XX/XX/XXXX, the amount {$1600.00}. 6. XX/XX/XXXX, the amount {$6900.00}. 7. XX/XX/XXXX, the amount {$6500.00}. 8. XX/XX/XXXX, the amount {$6100.00}. 9. XXXX XXXX, XXXX, the amount {$4000.00}. 10. XX/XX/XXXX, the amount {$12000.00}. 11. XX/XX/XXXX, the amount {$1300.00}. 12. XXXX XXXX, XXXX, the amount {$110000.00}. 13. XX/XX/XXXX, the amount {$3500.00}. 14. XX/XX/XXXX, the amount {$3200.00}. I contacted them and told them that 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that needs attention

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 2025-07-10 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I want the company to cease all contact with me, permanently remove all related accounts from my credit reports, and stop any collection activity on debts that are expired, unvalidated, or not legally enforceable. I also request written confirmation that this has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV FUNDING LLC : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX d ) : Harassment or abuse in connection with debt collection. * XXXX : Use of false, deceptive, or misleading representations. * XXXX ( b ) : Failure to properly disclose my rights. XXXX XXXX : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: VA

Complaint narrative:
XXXX XXXX is inaccurately and misleadingly reporting a charge-off account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

There are several serious reporting errors : The account is marked as a charge-off, but the monthly payment history shows " OK '' or positive payments after the charge-off date, which is contradictory and factually impossible. This directly violates FCRAs requirement that all information furnished to credit bureaus must be accurate. 

The account continues to reflect a balance owed, even though the debt was charged off meaning XXXX XXXX already declared it as a loss. Reporting a balance post-charge-off misrepresents the true financial status of the debt and misleads future lenders. 

The account status may be listed as Open when it should be Closed Charged Off, which creates a false impression of continued activity. 

I believe there are missing or misreported payments, and XXXX XXXX has failed to provide a complete and accurate payment history in response to previous disputes. 

My prior dispute to the credit bureaus was met with a generic verified response, yet no actual documentation was provided. This is a violation of the FCRA, which requires a reasonable investigation when a consumer disputes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am filing this complaint because XXXX is reporting a collection account for XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) that I do not legally owe, and they are also reporting an inaccurate personal address. 

I served in the XXXX XXXX XXXX under a XXXX contract from XXXX to XXXX. I did not reenlist or extend my service beyond my XXXX date of XX/XX/XXXX. Due to an administrative error, I was not properly placed into the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX improperly charged me for XXXX  coverage for time I was not obligated to serve. 

On XX/XX/XXXX, the XXXX XXXX issued a signed memorandum confirming this error and stating explicitly that no XXXX debt should have been incurred during this period. Supporting documents include : XXXX XXXX dated XX/XX/XXXX XXXX  Form XXXXXXXX XXXX XXXX Statement confirming no pay or participation Additionally, XXXX has reported an inaccurate personal address on my credit file. My correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX Reporting an inaccurate address is a violation of the Fair Credit Reporting Act ( FCRA ) under : FCRA 607 ( b ) Duty to report with maximum possible accuracy FCRA 611 ( a ) Consumers right to dispute inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
I repeatedly receive phone calls from XXXX, Huntington Bank in Ohio, fraudulently claiming that they have received credit applications on my behalf. 

I repeatedly tell them no, I did not apply, and that I refuse to disclose personal and financial information by phone to an XXXX call center. I try to call them back but their website provides no direct phone number for emergency fraud reports, and their main switchboard makes it impossible to reach any specific department in less than XXXX days. It is impossible to reach a real person. They have made no effort to contact me by postal mail, no effort to be available for fraud reports, and no effort to warn the public about people impersonating them.

Company response to consumer: Closed with explanation