vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : TXXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as notice of my intent to pursue binding arbitration and/or litigation against Equifax Inc. ( Equifax ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNTS AND INFORMATION Despite my previous dispute ( s ), Equifax continues to report the following inaccurate information on my consumer credit report : XXXX. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Equifax : XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX. Date Filed : XX/XX/XXXX XXXX. XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX / Account ending # XXXX, XXXX {$20000.00} ( Fraud Commenced XX/XX/XXXX ) Despite my reasonable investigation requests Equifax has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Equifax violates VIOLATION : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Equifax dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am submitting this sixth follow-up complaint as a concerned consumer regarding multiple accounts that continue to be inaccurately reported on my credit file. Despite several prior disputes, these items remain on my report, misrepresenting my financial history and damaging my credit reputation. I am formally requesting their permanent removal under my rights established by the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being reported inaccurately : XXXX  XXXX XXXX, Balance Owed : {$22000.00} reported as Charged Off. No IRS Form 1099-C or supporting documentation has been provided to verify this debt. Reporting a charged-off account without proper documentation violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} reported as Charged Off. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} reported as Charged Off.

In addition to these account inaccuracies, my credit file includes multiple unauthorized or unverifiable inquiries, which were not initiated or approved by me. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are being reported in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), which prohibit access to a consumers credit file without permissible purpose, and FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking or removal of unverifiable or unauthorized 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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Your bank reported me XXXX  days late once in XXXX and 60 days late once in XXXX. I hereby state that I have made all of my credit card payments within the XXXX grace period, and I hereby request a professional review of the matter. If upon your review you see that I am correct, please make the necessary correction with the three credit reporting agencies accordingly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

CITICARDS CBNA 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 2025-10-26 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: NV

Complaint narrative:
On XXXX I mailed a certified letter to Experian disputing the accuracy of two accounts. Experian received my dispute on XXXX. 

On XXXX Experian sent me an email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' The dispute was submitted by me personally and I provided copies of my drivers license and Social Security card to verify my identity. I have the Certified Mail receipt and the proof of delivery from the USPS. 

Experian failed to investigate my dispute, which was properly submitted to them, and they have acknowledged receipt of. 

Experians failure to investigate was a blatant violation of the Fair Credit Reporting Act.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
They charged me more interest and I still paid but they continued to threat me for sending me more more to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The bureau responded verified without showing the data reviewed or how it was verified.

FCRA violations : 1681i ( a ) Requires a reasonable reinvestigation. A generic XXXX  confirmation without documents is not reasonable.

1681e ( b ) Requires maximum possible accuracy. Reporting shows inconsistencies ( e.g., [ pick one : lates during forbearance ; CO months continuing after charge-off ; wrong/missing DOFD ; sold/transfer but still past-due ] ).

1681i ( a ) ( 6 ) ( B ) ( iii ) Im entitled to the Method of Verification ( furnisher contact and documents ).

Requested relief : Compel [ Bureau ] to 1 ) perform a lawful reinvestigation with actual records, 2 ) provide MOV, and 3 ) delete/correct any field not fully substantiated. Send me an updated report and notices to recent report recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX. I'm filing this CFPB complaint. I have several fraud accounts on my credit report that I noticed once I checked my credit report none of these accounts were opened by me all these accounts come from fraud. Block and remove these accounts in 4 days in accordance with FCRA 605B ( 15 U.S.C. 1681 c-2 ) portfolio Recovery Associates XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
RENTRECOVERYSOLUTIONS XXXX We moved in these apartment in XXXX XXXX XXXX I have been give three different amounts to pay. XXXX was the first email XX/XX/XXXX from XXXX. I did not reply I went by the office and spoke to XXXX about the XXXX  cards that we returned but our balance was not reduced and she stated that she would tell XXXX. I received an email with the balance being XXXX then there was another email sent that was XXXX and when I had my credit report pulled the balance is XXXX as of XX/XX/XXXX. They were well aware that I had a child fighting XXXX and they had no compassion. Even after going to court the Judge stated not to add any late fees. If we were one month behind Rent being XXXX with water included I have no idea how they came up with these balances even with them keeping the deposit. My son who was XXXX was told he is an adult and had to be put on the lease. He is the one that took XXXX  and now it is also reporting to his and my husband 's credit report and I want this taken care of.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XX/XX/XXXXXXXX bankruptcy discharged Case Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

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 2025-10-27 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: FL

Complaint narrative:
I am submitting this eighth follow-up complaint regarding the continued inaccurate reporting of an account listed as XXXX XXXXXXXX Account No. XXXX, which reflects a {$0.00} balance but is reported as late closed. This reporting is misleading, incomplete, and inaccurate based on my verified records. 
Despite multiple previous disputes, the credit reporting agencies and data furnisher have failed to correct or delete this error. I am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand a full reinvestigation and permanent removal of this erroneous entry from all of my credit reports.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Grants me the right to dispute incomplete or inaccurate information and requires a full reinvestigation. Any information that can not be verified must be permanently deleted.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Mandates that consumer reporting agencies maintain the maximum possible accuracy of all information reported.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Provides the right to block or permanently remove unverifiable or fraudulent information.

The account in question is unverifiable and does not accurately represent my payment history or account status. I have no record of any delinquency or late payment associated with this account, nor have I received any verification substantiating the reported status.

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 2025-10-27 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: NY

Complaint narrative:
Unauthorized/unverified accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I cashed a payroll check in XX/XX/year> at XXXX XXXXXXXX XXXX. The check was returned for NSF. The owner of XXXX XXXXXXXX XXXX reached out to me in regards to the check bouncing. I explained to him that was my paycheck and I had no control of the check returning. The owner of the practice I worked for had gotten in some legal trouble and that's was part of the results. The owner of XXXX XXXX XXXX expressed that he knew what was going on with the owner of the company I worked for because it had been on the news and that he felt it would be best if I paid for the returned check as my former employer had enough on his plate. After a few conversations he then informed me that he would report it to the credit agencies to ruin my credit since I would not pay him his money. A few months later the debt appeared on my credit as a collection. I have tried to resolve this but have had no reslution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Your bank reported me XXXX  days late for XX/XX/year>. I hereby state that I have made all of my vehicle payments within the XXXX grace period, and I hereby request a professional review of the matter. If upon your review you see that I am correct, please make the necessary correction with the three credit reporting agencies accordingly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I disputed the amount t that Metro collections stated I owed they kept on saying two different balances due. My dispute was won and I have had nothing in my credit report from Metro Collection or the original creditors. I am not sure why now Metro is coming after me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I received an alert that my credit was ran by Capitol One. I immediately called the customer service department but no information was given on when the application was opened and who it was opened by. I was told that it may have been a mistake and give it 30 days to be fixed. The inquiry is still on my account and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
This statement is a formal notice that the XXXX XXXX account number XXXX appearing on my credit report was opened fraudulently and without my authorization or consent. I did not apply or open or benefit from any account with XXXX XXXX. Under the Fair Credit Reporting Act and related federal statutes, I am exercising my rights to have this inaccurate and fraudulent information immediately blocked and removed from my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), upon receiving this notice that this information resulting from identity theft and fraud must be blocked by the reporting agencies within four business days of receiving. Continuing to report a fraudulent account that you have been notified of constitutes a violation of federal law and subject your agency and the furnisher to liability under 15 U.S.C. 1681n willful noncompliance and 1681o negligent noncompliance.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD XXXX

Company response to consumer: Closed with explanation