vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion are reporting multiple inaccuracies that violate my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My legal name is XXXX XXXX, yet the bureaus continue to display incorrect variations such as XXXX, XXXX, XXXX, along with several addresses that I have never lived at in XXXX XXXX XXXX and XXXX, Arkansas, which has caused misidentification, mixed-file issues, and improper association with accounts. My report also includes a XXXX charge-off with an incorrect or unverifiable Date of First Delinquency, which violates FCRA 623 ( a ) ( 5 ) and improperly extends the reporting period under 605 ( c ). Additionally, a XXXX XXXX XXXX collection is being reported without proper validation, contrary to FDCPA 809, and appears linked to the inaccurate addresses listed above, raising further accuracy concerns under FCRA 607 ( b ). These errors have caused credit denials, financial stress, reputational harm, and ongoing confusion that could have been prevented had the bureaus maintained maximum possible accuracy as required by federal law. Despite my attempts to resolve these issues, the information continues to display, leaving me with no choice but to seek CFPB intervention to address these violations and the harm caused by improper reporting and lack of verification.

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 2025-11-27 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:
I am sending after carefully reviewing the contents of my credit reports provided by Experian, Equifax, and TransUnion. During my review, I identified several items that appear inconsistent with my financial history, inaccurate in key details, and unverifiable based on all documentation in my possession. 

These discrepancies are significant, and because of their potential impact on my creditworthiness, I am formally disputing the accuracy and completeness of the following tradelines : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance {$1100.00} Date XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was scammed by a company called XXXX XXXX XXXX XXXX, I sent XXXX bank wire transfers from Bank of America from my checking account. I reported scam to local police and Bank of America. I was scammed out of over XXXX. Bank of America got me XXXX back. Bank of America said we can not get back the other XXXX. I asked for a credit. Bank of America said no. I did see on social media XXXX XXXX XXXX XXXX by your side got money back to a man who was scammed. His bank was Bank of America. Bank of America gave him a credit. I do not want to be discriminated. I want a credit of XXXX for myself. I am almost age XXXX, live alone and do substitute teaching in XXXX, Michigan. I can use the funds. I did make a claim with Consumer Financial Protection Bureau on XXXX. 
I have a case number XXXX. On XX/XX/year> Bank of America gave me a credit of XXXX. I am writing this to give additional information about my case. I originally wanted a credit of XXXX. I got from BofA XXXX. I am still wanting to receive XXXX from Bank of America.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I paid XXXX XXXX a total of {$470.00} under a pay-for-delete agreement. During this agreement, I specifically requested that they provide a written pay-for-delete letter, which they confirmed would be mailed to me. To this date, I have not received the letter, and the account still appears on my credit report, which is not consistent with the terms of the agreement!

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The Citizens Bank NA charge-off reporting on myXX/XX/XXXX and XX/XX/XXXX credit reports is inaccurate, incomplete, and unverifiable. The account is still being updated monthly even though it has already been charged off. These continued updates are misleading, harmful, and are not supported by any verified documentation from Citizens Bank. 

I disputed this account with XX/XX/XXXX and XX/XX/XXXX, and I also contacted Citizens Bank directly, but Citizens Bank has not provided any verification or certification of accuracy for the charge-off. They have not supplied : charge-off accounting records, the date of first delinquency, payment and posting history, or proof supporting the ongoing monthly updates. 

This incorrect reporting is directly interfering with my home-buying process, as lenders are treating the account as an active derogatory item instead of an older closed charge-off. 

Under 15 U.S.C. XXXX, Citizens Bank is required to verify all information being furnished. If they can not verify each data field ( including dates, balances, updates, charge-off status, and payment history ) they must notify the credit bureaus to block and delete the account. Citizens Bank has not complied with this requirement. 

I am requesting that the CFPB require Citizens Bank to either fully verify this account with proper documentation or notify XX/XX/XXXX and XX/XX/XXXX to delete it entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$14000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
Opened fraudulently! They refuse to correct when I have heard several problems with this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint, XXXX XXXX XXXX Disclose who owns the account receivable where my XX/XX/year> payment was deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: CO

Complaint narrative:
Today I received a text and a phone call followed by someone from my bank. Stating there was fraud activity happening on my XXXX through my bank. They went through and gave me all my information including my account number and balance on bank account. They ended having me XXXX {$750.00} to stop a transaction and sent me a cancellation code to confirm this transaction and that I would get an email with a new link to get a new user name and password. Unfortunately, because they had all my information I followed through with the process. They had my information to my account including my email address. When I called they bank they asked I no longer accept calls from them which does not seem fair to me as I have the bank account with them to ensure my money is protected and in case of fraud my phone recognizes important phone numbers, which is what they used to call my phone. My bank is now telling me this is all my fault and they will not be able to do anything about this. I have a screenshot of the messages and the call from today. I live paycheck to paycheck as a single mom and can not afford to loose money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV has 4 accounts on my credit profile and cant verify legitimacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am sending after carefully reviewing the contents of my credit reports provided by Experian, Equifax, and TransUnion. During my review, I identified several items that appear inconsistent with my financial history, inaccurate in key details, and unverifiable based on all documentation in my possession. 

These discrepancies are significant, and because of their potential impact on my creditworthiness, I am formally disputing the accuracy and completeness of the following tradelines : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance {$1100.00} Date XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint as the verified owner of my credit file to demand the permanent removal of multiple inaccurate, unverifiable, and misleading items that continue to be reported by Experian, Equifax, and TransUnion despite several prior disputes, causing substantial and ongoing harm to my creditworthiness and financial reputation. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, which reflects a XXXX balance, is still inaccurately reported as a late close by all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), all of which require the removal of information that can not be verified or proven accurate ; yet the bureaus continue to report it despite my documented disputes. The XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, showing a balance of {$4400.00}, is still being reported as a charge-off in Experian and TransUnion with no valid documentation, no XXXX, and no proof of lawful furnishing, constituting further violations of FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 605B, 15 U.S.C. 1681c-2, and FCRA 607 ( b ), which mandate that unverifiable or inaccurate information be permanently deleted rather than repeatedly re-reported. Additionally, the XXXX XXXX XXXXXXXXXXXX XXXX collection account for {$1500.00} continues to appear in Experian, Equifax, and TransUnion despite previous disputes, and its continued reportingwithout proper verificationconstitutes a direct violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as it represents deceptive and unverified debt collection activity. These long-standing inaccuracies demonstrate a systemic failure by all three bureaus to maintain reasonable procedures ensuring maximum possible accuracy as required by federal law. I am not requesting correction or update of these items ; I am demanding permanent removal only, as these accounts and inquiries remain unverifiable, misleading, and damaging after multiple investigations that failed to produce valid supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint as the verified owner of my credit file to demand the permanent removal of multiple inaccurate, unverifiable, and misleading items that continue to be reported by Experian, Equifax, and TransUnion despite several prior disputes, causing substantial and ongoing harm to my creditworthiness and financial reputation. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, which reflects a XXXX balance, is still inaccurately reported as a late close by all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), all of which require the removal of information that can not be verified or proven accurate ; yet the bureaus continue to report it despite my documented disputes. The XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, showing a balance of {$4400.00}, is still being reported as a charge-off in Experian and TransUnion with no valid documentation, no XXXX, and no proof of lawful furnishing, constituting further violations of FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 605B, 15 U.S.C. 1681c-2, and FCRA 607 ( b ), which mandate that unverifiable or inaccurate information be permanently deleted rather than repeatedly re-reported. Additionally, the XXXX XXXX XXXXXXXXXXXX XXXX collection account for {$1500.00} continues to appear in Experian, Equifax, and TransUnion despite previous disputes, and its continued reportingwithout proper verificationconstitutes a direct violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as it represents deceptive and unverified debt collection activity. These long-standing inaccuracies demonstrate a systemic failure by all three bureaus to maintain reasonable procedures ensuring maximum possible accuracy as required by federal law. I am not requesting correction or update of these items ; I am demanding permanent removal only, as these accounts and inquiries remain unverifiable, misleading, and damaging after multiple investigations that failed to produce valid supporting documentation.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-27 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: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for validations of the debts. However this has not been provided. Due to my information being exposed I have submitted a FTC report complaint reporting the information I am not familiar with. Please find the attached copy of my identification, The ftc report, a copy of the pentester report showing my information being exposed in a national data breach with a validation letter.

Company response to consumer: Closed with non-monetary relief