vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
I am filing this complaint with the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated, and I am requesting immediate intervention and investigation to correct these issues. The credit bureaus and furnishers have reported and verified inaccurate, incomplete, and unverified information despite my previous disputes, which is causing harm to my credit reputation, financial opportunities, and emotional well-being. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is showing late payments that I have already disputed multiple times. No signed contract, payment history, or original creditor documentation proving delinquency has been provided in prior disputes. Under FCRA 611 ( a ) ( 1 ), a reinvestigation must be reasonable and must delete unverifiable data. By reporting late payments without verification, you are in violation of 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate data. Each month this inaccurate data remains is continued harm to my creditworthiness and ability to obtain fair credit terms. This negative tradeline must be removed completely if it can not be fully substantiated with original records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is being reported as a charge-off, which is misleading since the balance is XXXX. No notice of default, no charge-off letter, and no supporting documents have been provided. Reporting a zero-balance account as charged off is a violation of FCRA 607 ( b ) as it is not maximum possible accuracy. You are required under 611 ( a ) ( 5 ) to delete this item if it can not be verified with original creditor records. This false reporting is a direct injury to my credit file and must be corrected immediately. 

Because these items remain despite prior disputes, I am requesting that the CFPB investigate these violations, compel the credit bureaus and data furnishers to fully comply with FCRA, and ensure immediate correction of my reports by deleting the wrong address, removing the inaccurate late payment, and deleting the unauthorized inquiry. Failure to do so will result in continued harm to me financially and emotionally. I trust that CFPB will enforce the law and protect my consumer rights by holding the credit bureaus and furnishers accountable for their negligence and violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXXTo Whom It May Concern:\XXXXI am formally disputing the LVNV Funding collection account ending in XXXX which is currently being reported on my credit fileXXXXLVNV is reporting inconsistent balances and date information across multiple credit bureaus, which constitutes a violation of the Fair Credit Reporting Act (FCRA 607(b)), requiring furnishers to ensure maximum possible accuracy of reported information.XXXXFurthermore, LVNV has not provided any documentation proving legal assignment of the debt or ownership, as required under FCRA 623(a)(3). Without such verification, the account is deemed unverifiableXXXXIn accordance with FCRA 611(a) and 1681i(a)(5)(A), any unverifiable or inaccurate information must be deleted from the consumer's credit file. Therefore, I am requesting that this account be immediately deleted from XXXX XXXX XXXX XXXX unless full and accurate documentation is providedXXXXPlease conduct a prompt investigation into this matter, and notify me in writing of the results.XXXXThank you for your timely attention to this dispute.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am formally disputing the inaccurately reported late payment on my credit report. This entry is inconsistent with my actual record of timely payments and unfairly damages my financial reputation. It is both misleading and unacceptable.

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 2025-09-17 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.

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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX, Balance : {$730000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXXXXXX XXXX Balance : {$640000.00} 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, XXXX as proof from the XXXX 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 explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/year>, I authorized XXXXXXXX XXXX to debit {$480.00} from my checking account for XX/XX/year> payment. Usually I receive affirmation of receipt from XXXX XXXX for that authorization. Then the electronic payment goes through on that date of XX/XX/year>. Well I never received the debit or confirmation of said authorization. I tried contacting XXXX on XX/XX/year>. There was no response and there was no visual debit from my checking account. I thought maybe that authorization to debit was not received by XXXX. So I called back and authorized the debit again on XX/XX/year>. On XX/XX/year> I checked my bank account and saw that XXXX debited my checking account twice, a total of {$970.00}. I immediately called them and requested an electronic refund back to my account. When I asked to speak to a manager, he told me their system is incapable of crediting back any refund ; which I find hard to believe. He told me I would have to wait for a check in the mail that could take two ( 2 ) weeks to receive. I do possess limited technological skills but I was under the impression if a system can debit it should have the capability to debit. Additionally this manager stated I would have to wait until someone from his company contacts me in a few days. He also stated that I would have to prove to XXXX that the extra payment wasnt a result of an overdraft executed by me. This action is totally unfair to me! I am a retired person living on a very tight budget!! I need my refund back expeditiously!!!! I need to buy food and pay my bills!! Having to wait weeks for a transaction that was done as a direct result of a failure to their ( XXXX  ) system to acknowledge my initial authorization for the monthly debit on XX/XX/scrub>XXXX 
* HYUNDAI XXXX XXXXXXXX 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 2025-09-17 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  are all reporting accounts on my report after I've told them that I have no knowledge of the accounts and did not open them. I have filed an identity theft report with FTC and law enforcement and they still have not rectified the situation. 

The debt collectors are also still reporting this information after I have informed them that my identity was misused or stolen. I am Attaching my FTC report and my latest letters that I sent to the bureaus XXXX XXXX and transunion Jefferson capital Systems is reporting a debt that I did not open or own legally XXXX XXXX is also reporting XXXX different debts that are a result of identity theft or a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
b"First of all when my loans originated with Sallie Mae they required me to get a co-signer despite my credit score. I have always made my payments because I do not want to negatively affect my co-signer's credit. However, my status has changed since the loans were taken out and they WILL NOT help. I call and call and call and always get the runaround. No one actually helps me. If I am even a day late the harass me and my co-signers. It's ridiculous. \n\nDate of loan XXXX XXXX XXXX  interest 11.750%\nDate of loan XXXX XXXX XXXX interest 13.375%\nDate of loan XXXX XXXX XXXX interest XXXXI have asked them about lowering the interest rate since I've been paying for them for years and again, no answers. This company does NOTHING to help. I've literally been paying on them for 10 years and I'm not even remotely close to paying them off."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
My responsible financial conduct is not evident in this review.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing accounts that have been fraudulently reported on my credit file. I have never opened or authorized these accounts, and their presence is inaccurate, misleading, and damaging to my financial reputation.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime banking wont allow me to receive my money they charge back on my account and they keeping hanging up on me like I am not a customer and not offering anything to help me out off of a petty XXXX dollar charge they cant refund me XXXX $ for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment reported on my credit file, as it is not accurate and fails to reflect my consistent record of on-time payments. This false reporting misrepresents my financial responsibility and unfairly harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I contacted Barclays bank credit card and told them that I could not get online anymore. My password was changed. My address was changed. My phone number was changed and I could not get onto to see what was going on or even pay my bill I got a notice that I paid {$400.00} automatic which I never signed up for so I questioned it with no results then I got a notice of {$7000.00} was paid to my credit card that I did not authorize or have the money for when I finally got into my account after they changed everything it took two weeks I found all these charges in XXXX that I have not made and payments from banks I dont have and now theyre being returned and my bill went from 2000 and something over to XXXX and they tell me everything is legit

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Starting XX/XX/XXXX, the following charges began appearing on my card. I use autopay, and only noticed the charges this month. 

XX/XX/XXXX XXXXFreeTime * XXXX XXXX WA This charge is tied to an application on an XXXX tablet. 
I do not own an XXXX tablet. 
There is no recurring charge attached to my XXXX account. 

The card provider has a secure messaging app for speaking to them in writing about issues. I wrote to them on XX/XX/XXXX and XX/XX/XXXX. In the first message, I requested to start the process of disputing the charges, and I asked them to block the merchant / charges in the meantime. Without access to the offending XXXX account, I have no way to stop those charges. 

The amount is relatively small, somewhere around {$9.00} per month. I expected this to be a fairly simple process. 

They are refusing to engage with me in writing, directing me to call them. I've expressed that I am unable to call them, and repeated the issue, and offered the option to instead simply cancel my card. 

They responded with the same copy/paste message. In the meantime, they allowed the charge to occur AGAIN on XX/XX/XXXX, demonstrating that they aren't taking any action. 

I've attempted to go through the automated dispute process, and I am directed to report my card lost/stolen. When I then try to go through that process, I receive a website error. 

Screenshots in attached PDF.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Attached are the necessary documents 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