vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
" Equifax is reporting a {$3000.00} balance on a debt that I have paid in full. I submitted proof showing the debt is 100 % paid, but Equifax ignored my documentation and did not conduct a proper investigation. This account is already updated as {$0.00} on TransUnion, yet Equifax continues to report it inaccurately, harming my credit. " I am disputing a debt with the Department of the Treasury for the State Department, which has been paid in full. I have received confirmation from both the State Department and the Treasury that my account balance is {$0.00} and that they submitted the update to Equifax over two months ago. Despite this, Equifax continues to report an inaccurate {$3000.00} balance and has failed to conduct a proper investigation or update my account. TransUnion and Experian already show the correct paid-in-full status. Equifax is the only bureau consistently reporting inaccurate balances and ignoring submitted proof. 2 months and Equifax has failed to update the collection to paid! in full and i fill this is done on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I reached out to XXXX XXXX  XXXX  XXXX  regarding my credit, and I was informed that a car loan for the amount of {$11000.00} had been obtained from my bank ( Santander, bank account number XXXX ). I was able to obtain that the loan was applied by my current, soon-to-be-divorced wife, XXXX XXXX XXXX XXXX, along with an unknown co-signer on XX/XX/XXXX. The description of the vehicle was a XXXX XXXX XXXX XXXX Pathfinder ( VIN # XXXX ) that was purchased with the loan. XXXX XXXX XXXX falsely used my information to obtain the car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report an incident of identity theft involving my personal information, which was used without my knowledge or consent to fraudulently obtain an apartment lease in my name. 
I recently became aware of this fraudulent activity Back in XX/XX/year> when I was contacted by XXXX XXXX XXXX saying Im owing money for rent. I told them that it was not me and my identity has been stolen I asked how was the lease signed and they said electronically online I then stated that is not the proper way of doing things. I later seen a collection charge on my credit report from QUALIA COLLECTION SERVICES for the amount of {$7000.00}, that I was never notified about never contacted and agreed, found it on credit report on XX/XX/year> I then again contacted by the leasing company XXXX XXXX XXXX. Upon investigation, I confirmed that I did not authorize or sign any lease agreement for the property in question. 
The fraudulent lease has negatively impacted my credit and caused emotional and financial distress. I have taken the following actions in response : Placed a fraud alert on my credit file with the major credit bureaus. 
Contacted the property management company involved to dispute the fraudulent lease. 
Submitted an Identity Theft Report through the Federal Trade Commission ( FTC ) at XXXX. 
I am requesting that the CFPB investigate this matter and assist in ensuring that all fraudulent information related to this identity theft is removed from my credit reports and that no further damage is done to my financial reputation. 

" According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. Please remove this item immediately. '' Under the FDCPA ( 15 U.S.C. 1692g ) : A debt collector must send you a written validation notice within 5 days of their first communication. 
If you were never contacted, and a collection account just shows up on your credit report, that could mean the collector did not comply with this legal requirement. 
Under the FCRA ( 15 U.S.C. 1681s-2 ) : Debt collectors must provide accurate and complete information to credit bureaus. 
They must also investigate disputes when you challenge the accuracy of a tradeline ( account ) on your credit report. 

Please let me know if any further information is needed to support this case. I appreciate your attention to this matter and look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute a single unauthorized inquiry on my credit report, which I believe to be fraudulent. Upon reviewing my report, I identified an inquiry from a company with which I have had no dealings. I have not applied for credit, nor have I provided consent for this inquiry. This action constitutes a clear violation of my consumer rights and has caused me unnecessary stress and concern regarding the security of my personal 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 2025-09-24 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: NJ

Complaint narrative:
I am filing this complaint against the following creditors, debt XXXX, and furnishers for inaccurate, misleading, and unverifiable reporting on my credit file. These items are damaging my creditworthiness, causing financial harm, and violating my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$500.00} Late Payment This account is reporting late payments which I strongly dispute because I never received any legally required notices of delinquency under 15 U.S.C. 1681s-2 ( a ) Creditors are obligated to ensure maximum possible accuracy under FCRA 602 and 607 but XX/XX/XXXXXXXX failed to properly verify payment history Additionally the late payment reporting has created severe barriers for me in obtaining credit housing and employment which demonstrates direct and ongoing harm I am requesting immediate correction or deletion of this account if proper documentation can not be produced under FCRA 609 and 611 XX/XX/XXXXXXXX Date Opened XX/XX/XXXX Unpaid Balance {$1100.00} Collection This collection account is inaccurate and unverifiable under FDCPA 809 which requires debt collectors to provide validation of the debt within five days of initial communication No such validation was ever provided to me yet the account continues to be reported in violation of the law The amount listed is arbitrary and unsubstantiated causing direct injury to me in the form of denial of auto financing and higher deposit requirements for utilities and housing I demand deletion of this account for noncompliance with both FDCPA and FCRA requirements Summary of Harm These inaccurate and unverifiable accounts have caused me repeated denials for credit, higher insurance premiums, difficulty securing housing, and emotional distress. The furnishers and credit reporting agencies are failing to comply with federal law. 
Requested Action I request that the CFPB : Investigate each account thoroughly. 
Order the removal of any account or inquiry that can not be fully verified with legal documentation. 
Hold the furnishers and credit bureaus accountable for violations under FCRA and FDCPA. 
I reserve my rights under FCRA 616 and 617 to pursue civil damages if these issues are not corrected.

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 2025-09-24 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 item is not in line with my payment history and appears inaccurate. I respectfully request its amendment after review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Bank errors related to billing and reporting are severely and unfairly impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to ensure that all payments and credits are accurately reflected. However, across multiple accounts, I have identified serious issues : payments I submitted were not properly recorded, reported balances contain clear calculation errors, and I was not provided with the required 21-day advance notice before due dates. As a result, the late payment marks being reported are invalid and in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX. {$1.00} XXXX different times XXXX XXXX. XXXX once I had my card locked and Ive already contacted support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CBNA * * Regarding : * * CBNA, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way CBNA is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and XXXX. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by CBNA - The account reported positively for a period of time. 
- After I became delinquent, CBNA charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 
XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 
- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. 

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-09-24 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
They repossessed a vehicle I co-signed for without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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