vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: ID

Complaint narrative:
On XX/XX/year>, I recently reviewed a copy of my credit report and was shocked to find out I have been the victim of identity theft. I do not recognize these accounts. Please delete from my credit report as they are hurting my ability to obtain credit. 
XXXX XXXX XXXXXXXX {$23000.00} XXXX {$6600.00} XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX  {$11000.00} XXXX XXXX XXXXXXXX {$5300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I just received my 2nd credit report XX/XX/year>XXXX  reports on my accounts are still incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) 1681i ( 5 ) if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

1681i ( 6 ) ( b ) ( iii ) a notice that, if requested and is being requested by the consumer, a description of the procedure used to determine the accuracy, including the business name and address of of any furnisher of that information contacted in connection with such information and telephone number of such furnisher, if reasonably available.

Also 1681i ( 7 ) consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( b ) ( iii ) by no later than 15v days after receiving a request from the consumer for that description

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 2025-07-13 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received an e-mail from Concora Credit Inc . This email informed me that I had an outstanding balance of {$250.00}, which includes interest. It should be noted that I never received a credit card from this establishment. I've called every phone number associated with this establishment, which will ring once and then hang up. So, every attempt to contact them has failed. I've made reports to credit bureaus requesting they remove this XXXX XXXX XXXX ( Milestone ) from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-07-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 section 604 A Section 2 : it always states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. : 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 2025-07-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 section 604 A Section 2 : it always states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: AZ

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NRA Group, LLC
State: OH

Complaint narrative:
I would like this removed due to the ( FCRA ) debit validation Thank you.

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 2025-07-13 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
I never received a written notice informing me of my right to dispute the debt or request validation before wage garnishment began. I only became aware of the garnishment when my employer notified me around XX/XX/XXXX. A deduction of {$88.00} was taken from my paycheck on XX/XX/XXXX, and another {$130.00} was taken on XX/XX/XXXX. 

The garnishment was based on a case I had no knowledge of. I was never served, never given proper notification, and never provided with documentation to verify the debt or dispute it. The collector relied on an outdated Florida address, even though Ive lived in Texas since XXXX of XXXX. 

Because of this, I was denied my legal right to respond or defend myself. This has caused extreme financial hardship as I rely on my full paycheck to meet basic living expenses. Im requesting that CFPB step in to investigate this matter and help stop these unlawful garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
In the event of me giving the car back I still made payments towards the loan. Once the car was auctioned off I still made payments monthly and in a timely manner but they still reported negative payments towards my account. I asked for them to send a letter stating what they sold the car for and balance which I never received. The amount thats reported is incorrectly and the payments they were still excepting months later they sent a paper as if someone typed at home stating my account was sold to another company but they still was excepting payments and a new company never notified me of them buying this account. They are constantly reporting to my credit wrong amounts and if the account was sold how to they continue to report to credit bureau. I also asked to see the amount thats reported GAP paid towards this loan and got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report. I submitted a dispute, but they failed to correct or remove the incorrect data. They did not conduct a reasonable investigation, and the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I am submitting this complaint against MRS BPO, a third-party debt collector that is reporting an account on my credit report with serious legal inaccuracies and violations of federal law.

Here are the issues : 1. Misrepresentation of Original Creditor : MRS BPO is listing itself as both the original creditor and collection agency on my credit report. This is false. The actual original creditor is XXXX, which is not listed anywhere in the tradeline. 
This misrepresentation violates FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which requires that the original creditor be clearly disclosed in credit reports.

2. Illegal Re-Aging of the Debt : The debt was incurred and went delinquent around XX/XX/XXXX. However, MRS BPO is reporting the account opened date as XX/XX/XXXX, and last reporting as XX/XX/XXXX. This gives the appearance that the debt is newer than it truly is.

This is a violation of FCRA 605 ( c ), which states that the 7-year reporting clock must begin with the original date of first delinquency ( DOFD ), not the date the collector starts reporting.

3. Failure to Validate Debt Before Reporting : I was never contacted by MRS BPO and never received a written debt validation notice as required under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ]. They reported this account to the credit bureaus without properly verifying or validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
XXXX XXXX has a closed account for XXXX on my credit report. I never applied-nor do I have XXXX XXXX XXXX XXXX XXXX has a hard inquiry on my credit report. I never apply for a credit card or credit line from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was charged an additional XXXX dollar fee for filing a lien release. This fee was not disclosed in the Truth in Lending statement and also is not an actual cost for filing a lien release in my county. The actual fee to file a lien release in XXXX XXXX, WA is {$15.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-13 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: MA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
I signed a loan agreement with SUN LOAN located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/XXXXXXXX  and I had a previous loan with them which was not paid in full yet, they " refinanced '' my personal loan and loaned me more money and I signed a new contract. Per loan agreement, my monthly payment is {$180.00} to start XX/XX/XXXXXXXX  with last payment to be on XX/XX/XXXX. On XX/XX/XXXXXXXX  this company reported me delinquent for 30 days when I have made my FULL payments each month, less than 30 days late. They said that XX/XX/XXXX payment was late, I paid this amount owed {$180.00} on XX/XX/XXXX ( I was 13 days late ) so they charged me a LATE FEE, however, I did not include the late fee on XX/XX/XXXXXXXX  payment, only my regular monthly payment according to loan agreement. Moving forward, my XX/XX/XXXXXXXX  payment was late again, I paid this on XX/XX/XXXXXXXX  an amount of {$200.00} ( to cover part of the late fee I had accrued in XXXX ). They are saying the XXXX payment was only applied as {$170.00} towards principal and {$15.00} for the late fee so I they said I did not pay enough as it was a short payment ( not covering {$180.00} ) so this made my account delinquent by XX/XX/XXXX because I was " short '' on my monthly payment on XX/XX/XXXX, then my XX/XX/XXXX payment was made for {$200.00} on XX/XX/XXXX, I again, paid extra to cover part of the late fees. By this time, they said I was reaching 30 days past due and would report me to the credit bureaus because I was {$34.00} past due. I thought this was not right as I did pay my monthly payments before 30 days past due in XXXX and XXXX. They went ahead and reported me 30 days delinquent with the credit bureaus on XX/XX/XXXX. This is totally wrong, because a late fee by itself can not trigger a negative report to the credit bureaus being that a late fee is a SEPARATE charge for missing the payment deadline and it should NOT be reported 30 days delinquent when my monthly payment was made 13 days late in XXXX and 11 days late in XXXX. They said late fee was part of my monthly payement in XXXX and because I did not pay it, it goes as a past due balance and are refusing to remove this derogatory information from credit bureaus. I should NOT be reported 30 days late on the " late fees '' because I made my FULL monthly payment per loan contract 13 and 11 days late in XXXX and in XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation