vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a single inquiry on my credit report that I do not recognize, and I never authorized this company to access my information or pull my credit. I did not apply to them, nor did I give any form of consent. Its presence is causing me unnecessary stress and XXXX, and I am deeply concerned about how and why this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DE

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
US bank sent a letter marked XX/XX/year> XXXX .. even after the company XXXX took responsibility for the transaction US Bank still held me accountable. {$120.00} this was taken back out my account again by US BANK .. there determination was that the transaction was correct which was not done by myself. It was a system error XXXX was aware of which is why I called US bank to stop the transaction..

The amount I was paying was {$34.00} but XXXX charged me {$160.00} which made the issue with my account. I reached out the XXXX  as well because this was not the first time this had happen. My concerns are US BANK research was not only not correct but it didn't not connect the 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 2025-12-03 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: TX

Complaint narrative:
I am actively working to repair my credit, and I respectfully request the investigation and resolution of the following issues under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by bureau. 

Charged Off Accounts : XXXX XXXX XXXX XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXXXXXX XXXX XX/XX/XXXX, {$5200.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$4100.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$6000.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$8300.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$2800.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$9000.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXXXXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2600.00} XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$26000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXXXXXX, XX/XX/XXXX, {$3000.00XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2500.00} XXXX XXXX XXXXXX/XX/XXXX, {$1500.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2600.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
they called, I requested a debt validation letter, and asked they provide me with all of the requested information as previously stated. which they DID send me a random contract with a signature on it but it doesn't give any details ( acct #, amounts, what I am agreeing to, etc ) but nothing else I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-12-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. 
Despite the FCRA requirements for accuracy and accountability, the following issues are present on my Consumer report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. 
I have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
My XXXX XXXX XXXX  wife received an unsolicited, live check from XXXX XXXX. She deposited the check into our joint bank account and by doing so she apparently agreed to the terms and conditions of the loan. Shortly after she lost her job due to a change in store hours and an inability to find child care. She notified XXXX XXXX of the financial hardship and they would not work with her. They took her to court and she agreed that it was her debt but was on unemployment and unable to pay at the time but she was giving no payment options. XXXX XXXX then filed a for a garnishment order in a county two hours away. The bank ended up seizing my entire direct deposit leaving me with zero money to provide for a family of XXXX. We filed motions in court stating the money was exempt and the garnishment case was dismissed and released but we have still not received my money and are attempting to recover the funds from court. It shouldn't be legal for Finance companies to send out these unsolicited live checks to people who are already struggling financially in this economy. They are preying on the most vulnerable in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
Dear Sir/Madam, I am disputing the following charged-off accounts and requesting a full investigation into their accuracy and reporting as per the Fair Credit Reporting Act. 

Charge Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Multiple Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX  ( Multiple Accounts ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
This company loaned to me with a predatory and illegal apr ( XXXX % ). I live in the state of Georgia where this practice is illegal, additionally this company is not a licensed lender in my state.

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 2025-12-03 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: IN

Complaint narrative:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GMA Investments, LLC
State: CT

Complaint narrative:
I called Summit # XXXX XXXX after receiving a call from a compliance officer from a blocked number saying summit is trying to serve me. When I spoke to Summit he did tell me the amount they have and what they are going to sue me for and its past me making payments at this point. Said I ignored them multiple times and Im going be taken to court for breach of contract and other one. I asked if they can send me written documentation of date debt was sold, how much debt is, A written demand, A notice to cure, Written proof of debt, The attorneys name, A case number. I spoke to XXXX XXXX and then was transferred to a supervisor/manager XXXX XXXX XXXX Both stated they can not send me anything its beyond that point. I would have to pay my debt now or get served papers.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Wolf River Development Company
State: FL

Complaint narrative:
I was contact by XXXX XXXX XXXX XXXX for a debt from Today Cash, I attempted to set up a payment pls with todays cash because the interest rate was illegal in my state and they never gave me the opportunity and sent my debt to XXXX XXXX XXXX, I attempted to contact XXXX about the debt and have not been successful, The loan interest rate os considered illegal in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts in dispute. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MN

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 a consumer working diligently to improve my credit. I am disputing the following accounts, as they contain inaccurate or incomplete information. I respectfully request that these accounts be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX & XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : 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 Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is inaccurately reporting my closed, charged-off account with a balance owed and a past-due amount, which is misleading and harmful. Once an account is charged off and closed, the balance and past-due amount must be reported as {$0.00}, not ongoing debt. I disputed the accuracy of this reporting with XXXX XXXX XXXX XXXX, but all three credit bureaus verified the information even though it is incomplete and misleading. 

This violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) FCRA 15 U.S.C. 1681s-2 ( b ) CFPB Regulation V, 12 CFR 1022.41 & 1022.42 The continued reporting of a balance and past-due amount on a charged-off account is causing me harm, including denial of credit, denial of student loans, emotional distress, fear of being sued, embarrassment, and inability to purchase a needed vehicle. I request that CFPB require Bank of America to correct or delete this inaccurate reporting.

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 2025-12-03 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:
Dear XXXX, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and respectfully request that the listed accounts be investigated and corrected. Below are the accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Venmo failed to follow federal Regulation E requirements.

I reported six unauthorized charges from XXXX. XXXX confirmed in writing that the charges were not mine. I submitted all documentation immediately. 

Venmo did NOT complete the investigation within 10 business days, did NOT issue a provisional credit, and did NOT respond to my escalation email. I have screenshots of all communication. 

I am requesting enforcement of Regulation E and immediate issuance of a provisional credit.

Company response to consumer: Closed with monetary relief