vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Hello, Back in XX/XX/year> I engaged with a contractor to provide us some services. I had asked to use my Citi credit card as I wanted the points. The contactor tried to open an account with XXXX  ( 3rd party that allows contractors etc. to accept credit card payments ). 

We paid {$5300.00} XXXX XXXXXXXX XXXX  on our Citi card to XXXX. a Month went by and our contractor still did not get the money from XXXX into his bank account. We paid him with a check and went back to Citi to get a refund. They gave us a temporary refund. the refund was subsequently rescinded, and they requested a lot more information that I provided to them numerous times now. This has been ongoing for two months and we want our money back. 

This is taking far too long. The guilty party is XXXX as I believe they still have the original payment.

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 monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received a summons to appear in court I notified the collection company that it wasnt my debt on XX/XX/XXXX I received a garnishment letter from the courts I advised them again that I didnt have that card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for willfully violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines by continuing to report inaccurate, outdated, and unverifiable information on my credit report. 

Specifically : Experian is reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ) that was not verified directly with the court. It appears to have been sourced through third parties, such as XXXX or XXXX, which are not valid furnishers under FCRA 1681e ( b ). This violates Metro 2 public record reporting requirements and constitutes an FCRA 1681i reinvestigation failure.

Experian is also reporting numerous tradelines with serious Metro 2 and FCRA violations, such as re-aged charge-offs, inaccurate late payments on paid accounts, and inconsistent closure statuses. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. 

There are also unauthorized hard inquiries on my file by companies for which I never gave consent, in violation of FCRA 1681b ( f ).

I have attached a detailed letter listing all the inaccurate accounts, associated legal violations, and a demand for deletion of each item. Experians refusal to remove or correct these violations, despite prior disputes, constitutes willful noncompliance under FCRA 616 and 617. 

I respectfully request that the CFPB assist in holding Experian accountable, enforcing compliance, and requiring the deletion of all inaccurate and unverifiable 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 2025-06-30 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: ME

Complaint narrative:
ATTN : EXPERIAN EQUIFAX TRANSUNIONACCORDANCE TO TITLE 15 USC 6801ab1234 PROTECTION OF NON-PUBLIC INFORMATION I DIDNT GIVE WRITTEN CONSNT TO THAVE THESE TRUST PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED ON MY CONSUMER REPORTS ALSO USC 1681Ga1b23abc456cde7 9 10 11 12 DISCLOSURES TO CONSUMERS ALSO USC 6802 AND USC 6803 THE ACCOUNTS READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX, DEPTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMERS REPORTS THANK YOUR SIRS : MA'AM THIS IS AN CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT ALSO VILATION TO FERPA ACT STUDENT LOAN REHABE OF CREDIT 1681AB2 THIS IS FRAUF THANKS THANKS 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 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have XXXX business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal 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 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have XXXX business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX has denied my hardship request more than once without a valid or consistent reason. 
I have documentation supporting my claim, including XXXX letters and prior application records. 
On XX/XX/XXXX and XX/XX/XXXX I was told by your own representative that a support ticket had to be submitted because the denial was contradictory. 

My Request : 1. Immediate reevaluation of my hardship application 2. A detailed explanation of the denial reasons 3. Assurance that XXXX XXXX is following applicable hardship withdrawal laws under XXXX and CARES Act provisions ( if applicable )

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 2025-06-30 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: NV

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 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 2025-06-30 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that my credit report is showing the last name " XXXX, '' which is incorrect. My legal last name is XXXX. While " XXXX '' may be listed as an alias, it is not a name I have ever used. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA regulates access to consumer credit reports and ensures the accuracy, fairness, and privacy of the personal information compiled by Credit Reporting Agencies ( CRAs ), which are responsible for assembling and distributing credit and financial data about individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On my Citi XXXX XXXX  card I continue to struggle to get Citi to resolve the fraudulent activity on my account

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Improper Service of Notice by Portfolio Recovery Associates To Whom It May Concern, I am writing to inform you of ongoing issues related to improper service of legal notices by Portfolio Recovery Associates in connection with a debt they claim I owe. 

In XXXX, the initial notice was sent to my former legal address, which I had fled due to XXXX XXXX. I was residing at my fathers home at the time, not at the address the notice was delivered to. As a result, I never received the notice and was unable to appear in court for the initial hearing. 

More recently, another notice was again delivered to that same outdated address, even though I have resided at XXXX XXXX XXXX for nearly three years. My current address has been on file and actively used during this period. 

I have documentation to support my claims, including XXXX delivery receipts sent to my fathers address and a police report from the time I left my prior residence. These documents clearly establish where I was living when the notices were sent. 

This improper service has caused considerable confusion and denied me the opportunity to properly respond. I wanted to ensure that the CFPB is aware of these circumstances as they directly impact my ability to engage fairly and legally in this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing a {$5000.00} charge on my Citibank credit card ( last four digits : XXXX  ) from a company called XXXXXXXX XXXX XXXX XXXX. 
I canceled the service in writing before it began and requested a refund on XX/XX/year>. I never accessed any platform or services. 

Citibank accepted my dispute under Case ID XXXX, but no reversal was issued. I was told it wou

ld resolve in 7 business days. Its been longer, and Im now being pressured to pay a charge for services never rendered. I have supporting documentation including email cancellation, merchant refusal, contract terms, and screenshots. I believe this delay violates my rights under the Fair Credit Billing Act and am requesting immediate CFPB 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 monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
Equifax is showing us bank XXXX as a closed account, But when I open it, it states charge off with a XXXX balance. Under payment history the last payment shows XX/XX/year>, the last payment was XX/XX/year> making this account 7 years old. There is no date of removal on this account. This account shows a balance in one section for the charge off for XXXX in another section it show XXXX. it also shows date of last payment as XXXX XXXX. and delinquency first reported XX/XX/year>. Due to multiple inaccurate information on my report this needs to be removed. I have attached supporting documentation. I have disputed this previously and get a generic this account is yours as a response. How can it have so many discrepancies and be verified. I need a full investigation from Equifax.

Company response to consumer: Closed with non-monetary relief