vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Equifax is reporting a collection account from XXXX XXXX under account number XXXX with a balance of {$220.00}. I have never been served any notice of delinquency or documentation from XXXX XXXX confirming the validity of this debt. This sudden reporting, without substantiation or acknowledgment from me, is a blatant failure on the part of Equifax to ensure accuracy and fairness as required under 15 USC 1681e ( b ). Given the absence of correspondence or prior history with this alleged creditor, and the nature in which this account was reported, it is highly likely that this inaccuracy stems from a data breach or systemic reporting error. Equifax allowed the publication of this derogatory data without conducting proper checks or consumer outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AA few years ago I was a victim of identity theft so I try to look at my credit report at least every 2 months. After the identity theft, I havent been able to do absolutely anything with my credit. Everything gets denied and Im not even able to open up a bank account. I was only able to open up one of them online banks. And a XXXX  account. Throughout the years that I have been checking the report, I always make a dispute on all the incorrect names and charges. Ive sent in proof of my ID and passport multiple times throughout the years and they still had everything wrong. 
Recently in XXXX, I went to check my credit report. I noticed that I had over 36 names, the wrong address, wrong phone number and there were a lot of errors in my report. There were a lot of things that I didn't do on my credit. Then I got a letter saying that my information was leaked from a breach in a system at a casino. They gave me the contact number to Experian identity Work to activate it for a year. When I called they were not able to verify me. They had me go back-and-forth from work and the regular experience they were finally able to verify my identity. And since Im not able to see my credit report, they had a chime account and they said I owe them {$4000.00}. I do not owe that. I never even can't cash a check that big. I only use chime for certain things and I havent used it in years, but Experian will not help me to view my credit report after they said they were going to fix the dispute and look into it. I'm not able to log into anything. Theyre also refusing to let me speak with Management. Theyre refusing to give me any company contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> my balance was aproximately {$2300.00} an next day when up to {$4600.00} so sonce then i been paying interest for a debt off {$4600.00} and i dont think its fair i try fixing problem with them i have give theme all papers they ask for for examble bank statements where it shows loan payments and they said they dont know what happend and dont wan na help me out i want to know why my loan when up from XXXX to XXXX tired off paying interests for a balance that they can not explain what happend. thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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:
XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXX this CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX XXXX EQUIFAX XXXX XXXX  credit reporting agencies 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. This fraudulent inaccurate and false information consists of personal credit card account opened at XXXX under account number XXXX on XX/XX/XXXX balance {$570.00} this account has resulted in several fraudulent late payments and charge offs and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was referred for closure and was told that it will take 30-60 days to get my money. the account was closed because a check got bounced

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
A woman named XXXX XXXX has called me for the past XXXX months leaving voicemails some with her talking and some with just background noise. She called me XXXX times in the past XXXX days including XXXX times on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-01 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  SOLD MY DEBT TO A NON-AFFILIATE THIRD-PARTY COLLECTION AGENCY WITHOUT MY ACKNOWLEDGEMENT, REPORTED MY TRANSACTION HISTORY, INACCURATELY REPORTED TRANSACTIONS/DATES TO CREDIT REPORTING AGENCY, AND VIOLATED ACCOUNT PRIVACY POLICY BY DOING SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Violations of Bill 5480 and Regulation V ( 12 CFR Part 1022 Fair Credit Reporting Act Implementation ) The reporting and furnishing of the above accounts violate Bill H.R. 5480, also known as the Medical Debt Relief Act and Consumer Financial Protection Enhancement Bill, which imposes strict limits on how any financial product linked to medical services, healthcare credit arrangements, or self-lending programs derived from therapeutic care may be handled, disclosed, or reported to credit bureaus. Under Bill 5480 : Furnishers are prohibited from reporting any account or tradeline derived from or tied to medical, therapeutic, or wellness-related services unless full informed consent and opt-in disclosures are provided at the point of origination. Any medical-linked financial productsuch as secured credit lines, self-lender instruments, or care-related credit productsrequires heightened compliance protocols, including proof that the consumer knowingly authorized the reporting and was not misled into commercial credit classification. The bill enhances consumer identity protection, making it a federal violation to use or report any data point connected to medical services without a HIPAA-compliant release and full verification of accuracy. In parallel, Regulation V ( 12 CFR Part 1022 ) which implements the Fair Credit Reporting Actrequires that : Furnishers and consumer reporting agencies must ensure the accuracy and integrity of the information they report ( 1022.42 ). Consumers must be given a clear and conspicuous notice regarding any adverse action or negative reporting, especially when involving sensitive or health-derived financial data. Data obtained or used without a legitimate purpose or permissible use under FCRA or Regulation V constitutes a furnishing violation and triggers the right to deletion, investigation, and civil liability. The accounts listed are suspected to be derived from or influenced by health-related financing activity and were reported without required disclosures, consents, or accurate identity validation, in direct breach of both Bill 5480 and Regulation V. As such, these violations form a strong basis for immediate deletion, enforcement complaints, and potential legal relief under civil and criminal statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
I am filing this complaint because XXXX is reporting inaccurate and misleading information on my credit report regarding a delinquent account, as shown in the attached screenshot from my XXXX  credit file. 

Specifically : Kikoff The report shows a sequence of delinquencies in XXXX and XXXX with escalating late payments ( XXXX, XXXX, XXXX, XXXX days past due ) ending in a Charge Off status in XX/XX/XXXX. 
However, this timeline is inconsistent with my payment history and account resolution. 
I have already disputed this with XXXX  yet they continue to report this inaccurate and damaging information without providing proper investigation or correction. 

This reporting is causing significant harm to my credit score and ability to secure financial services. Furthermore, the inaccurate pattern of extended delinquencies misrepresents the state and resolution of the account. 

This may be a violation of the Fair Credit Reporting Act ( FCRA ), particularly the requirement to ensure accurate information is reported and to correct errors upon dispute. 

I would also like to bring to your attention the recent {$3.00} billion CFPB enforcement action against XXXX ( XX/XX/XXXX ) for widespread failures in handling consumer data and properly responding to disputes. My situation seems consistent with the CFPBs findings of negligence in XXXX reporting and dispute handling practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to dispute an item that has been verified by ChexSystems but remains inaccurate and misleading. Despite my previous dispute and supporting documentation, the information has been deemed " verified '' without proper validation or a thorough investigation. 
The item in question is reported by XXXXXXXX XXXX with reference to account number ending in XXXX which I believe to be inaccurate due to inaccurate information Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be re-investigated, and that ChexSystems provide me with : * The method of verification used, * The name and contact information of the party who verified the information, and * A description of the procedure used during the reinvestigation.

I am also requesting that my 100-word statement of dispute be added to my ChexSystems file , stating the following : " This item has been reported in error. I previously disputed this record, but it was inaccurately verified. I maintain that the account information is incorrect and should not be used to assess my financial responsibility. Supporting documentation is available upon request. '' Please update my ChexSystems file accordingly and confirm in writing once this has been done. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/year> - XXXX ( last 4 digits ) for 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 explanation
Consumer complaint received 2025-05-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen and compromised, and as a result, I have discovered two fraudulent accounts on my credit report that do not belong to me and that I have never opened, authorized, or interacted with in any way. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year>XXXX  Balance : {$0.00} I have never : Opened or registered this account Signed any contracts or documents for this account Logged into or accessed this account Made any payments toward this account To support my identity theft claim, I have : Filed an FTC Identity Theft Report : FTC Report Number : XXXX Completed and submitted an Identity Theft Affidavit Disputed the account directly with the credit bureaus and with the creditor Despite these efforts, the account has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called today XX/XX/year>XXXX  to make payments on my credit card. XXXX transfered me to the next agent while XXXX rudely hung up on me. 

They also failed to take a payment via debit card. 



XXXX 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke with transunion rental screening department and was told that Transunion made an ADVISEMENT to the apartment complex that I was applying that I would not be a good tenant to lease even though the apartment complex informed me that every was good background check, civil check and rental history check and income were all checked as good the only reason for my tenant application denial was the advisement that Transunion gave and the leasing office gave me the documentation that Transunion sent to them I requested for Transunion to correct their ADVISEMENT that they gave the apartment that I was applying for and Transunion refused to do so by Transunion making and giving ADVISEMENT DECISIONS this violates FEDERAL and STATE LAW I will be forwarding this over to the STATE ATTORNEY GENERAL for further investigation into TRANSUNION ill doings

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Request for Blocking of Fraudulent Information under FCRA I'm submitting this complaint due to Experians failure to properly investigate and correct errors on my credit report. I have sent multiple dispute letters to Experian under USC 1681i ( 5 ) requesting that they correct inaccuracies, but they have failed to adequately address these issues. Despite my repeated attempts, Experian has not complied with my legal rights, including requirements under 15 USC 1681e ( b ), 15 USC 1681s, and 15 USC 1681c ( c ). Recently, I became aware of the CFPB 's lawsuit against Experian regarding similar violations, and I believe my experience mirrors the actions being taken by the CFPB in their legal proceeding

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