vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
Rebuttal to Equifaxs Response FCRA, Metro 2, and IRS Compliance Violations ( XX/XX/XXXXXXXX Account Ending in XXXX ) Equifaxs response is insufficient and fails to resolve the legal issues raised in my original complaint. The dispute is regarding aXX/XX/XXXXXXXX individual credit card account opened on XX/XX/year> ( Account Number : XXXX ), which is being reported on my credit file as both charged off and past due in the full balance of {$19000.00}. 

This dual reporting is : Misleading, as a charge-off means the creditor has closed the account for accounting purposes ; Potentially illegal under FCRA 607 ( b ) ( maximum possible accuracy ) ; In violation of Metro 2 reporting standards, which do not support simultaneous charge-off and past due reporting unless active collection is proven ; Not accompanied by any IRS Form 1099-C, suggesting that the debt may have been canceled or deemed uncollectible, which would prohibit continued reporting under IRS Regulation 1.6050P ; Lacking disclosure of the Method of Verification, which is my right under FCRA 611 ( a ) ( 7 ).

Equifaxs response merely stated that the account was verified as mine and that fields were updated, without addressing the dual status reporting, providing no documentary proof from the furnisher ( XX/XX/XXXX XXXX ), nor offering a proper explanation or legal basis. 

I am not disputing identityI am disputing misleading and inaccurate status reporting. The CFPB must require Equifax to : 1. Provide the Method of Verification used, as required by FCRA ; 2. Obtain and provide documentation from XX/XX/XXXXXXXX showing that collection efforts are actively ongoing ; 3. Remove or correct this tradeline if accurate, verifiable reporting can not be demonstrated.

I respectfully request full reinvestigation, including source verification, and regulatory enforcement where noncompliance is found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding a collection account reported by Credit Collection Serv ( Account # XXXX ), allegedly originating from XXXX XXXX. 
This account is inaccurate, unverified, and in violation of several federal consumer protection laws : 1. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt, the collector must cease all collection activity until proper validation is provided.

2. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to report only accurate and verifiable data and must conduct a proper investigation when a dispute is submitted.

3. Under 15 U.S.C. 1681 ( a ) ( 5 ) of the FCRA, consumer reporting agencies and information furnishers must act with fairness, impartiality, and respect for consumer privacy. That standard has not been upheld here.

Despite being disputed, Credit Collection Serv has continued to report this collection account without providing any documentation or validation of the debt, including proof of ownership or legal authority to collect on behalf of XXXX. This violates my rights and constitutes unlawful communication and collection activity under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding my former apartment residence managed by XXXX XXXX XXXX XXXX XXXX at the time of my tenancy in XXXX. I am seeking resolution and accountability for a serious financial discrepancy that occurred during my move-in process and was never addressed, despite multiple attempts and clear evidence on my part. In XXXX, I applied for and was approved for an apartment while I was XXXX. The property manager at that time, XXXX XXXX, handled my application and move-in. When it came time to move in, I was told I needed to pay a security deposit totaling {$3000.00} an amount listed on the official move-in statement, which I have in my possession. However, when reviewing my lease later, the " Deposit '' section showed {$0.00} as the required deposit. Additionally, a payment receipt report, obtained later from the then-current property manager XXXX XXXX , reflected only {$500.00} recorded in the system. This means over {$2500.00} was unaccounted for. When I brought this discrepancy to XXXX XXXX, he acknowledged the issue and even confirmed that XXXX XXXX was no longer employed with the company due to stealing from multiple residents. I also have written proof from XXXX XXXX stating that my apartment would be put on hold while they investigated where the money went. In XX/XX/year>, I gave birth to my daughter XXXXXXXX XXXX XXXX She remained in the hospital for XXXX months a very difficult time for me and my family. Despite these challenges, I continued paying my rent and tried to remain in good standing. However, no one from the management resolved the deposit issue. To this day, the situation was never rectified. This deposit discrepancy has now affected my rental history and credit, and I am seeking to have it formally acknowledged and 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 non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I am filing this complaint regarding my former apartment residence managed by XXXX XXXX XXXX XXXX XXXX at the time of my tenancy in XXXX. I am seeking resolution and accountability for a serious financial discrepancy that occurred during my move-in process and was never addressed, despite multiple attempts and clear evidence on my part. In XXXX, I applied for and was approved for an apartment while I was XXXX. The property manager at that time, XXXX XXXX, handled my application and move-in. When it came time to move in, I was told I needed to pay a security deposit totaling {$3000.00} an amount listed on the official move-in statement, which I have in my possession. However, when reviewing my lease later, the " Deposit '' section showed {$0.00} as the required deposit. Additionally, a payment receipt report, obtained later from the then-current property manager XXXX XXXX , reflected only {$500.00} recorded in the system. This means over {$2500.00} was unaccounted for. When I brought this discrepancy to XXXX XXXX, he acknowledged the issue and even confirmed that XXXX XXXX was no longer employed with the company due to stealing from multiple residents. I also have written proof from XXXX XXXX stating that my apartment would be put on hold while they investigated where the money went. In XX/XX/year>, I gave birth to my daughter XXXXXXXX XXXX XXXX She remained in the hospital for XXXX months a very difficult time for me and my family. Despite these challenges, I continued paying my rent and tried to remain in good standing. However, no one from the management resolved the deposit issue. To this day, the situation was never rectified. This deposit discrepancy has now affected my rental history and credit, and I am seeking to have it formally acknowledged and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MO

Complaint narrative:
I was XXXX from the XXXXXXXX XXXX XXXX XXXXXX/XX/year>. During that time someone shattered my car window and stole my purse which had my Cash app card in it. They proceeded to spend all my money ( {$190.00} ) at gas stations and on a gambling website. When I got out of jail, I reported the card stolen and filed disputes with cash app. They denied it. I filed again and included a picture showing I was incarcerated and there was no way that was me using my card. They still denied it! I will attach the same document I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NC

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a copy of the alleged debt that is listed in all three credit bureaus. There is no company name listed and an amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-05 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINANCIAL XXXX Reported balance {$18000.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$18000.00} Account status Closed Date reported XX/XX/XXXX " I declare that I am a victim of identity theft, I discovered this unauthorized auto were made on [ Date opened XX/XX/XXXX. I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Theres a hard inquiry on my credit report from Barclays Bank of Delaware. I called to see what was going on because I never applied for anything through them nor have I ever heard of this institution. They said that they would investigate but I didnt trust them. I tried asking questions and then they just hung the phone up. I looked them up online and saw that theyre known for shady business. I believe that someone has my personal information and tried applying for a credit through this company. Please help in any way that you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-05 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation