vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
ssue : XXXX is reporting late payments on my account [ XXXX XXXX XXXX XXXX  ] inaccurately. Despite repeated requests, they have not provided the required Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). Their staff ( XXXX XXXX, statement dated [ yesterday ] ) told me federal law requires reporting, which is false and misleading. They also refused goodwill removal even though I notified them of hardship and cured the delinquency quickly. 

This complaint is specifically about MOV XXXX has failed to show : Who verified these lates ( employee IDs, system logs, process records ). 

How payments were posted and reviewed. 

Why goodwill/hardship was ignored despite my documented notice. 

Pattern of Predatory Practices ( supporting context ) : XXXX ( XXXXXXXX XXXX  ) : I demanded MOV for reported lates ; they never provided it. These unverifiable marks remain, in violation of FCRA 611 ( a ) ( 5 ) ( A ). 

Possible Finance : Provided a half-investigation, no true MOV, then falsely claimed federal law requires negative reporting. 

XXXX ( XXXX ) : While processing an auto loan, they ran 17 hard inquiries, forced me into a super-high interest loan, and engaged in key-holding coercion at the dealership. This shows a broader pattern of predatory lending combined with inaccurate reporting. 

Requested Actions : Require XXXX to provide the full Method of Verification for all reported late payments, including employee IDs, system records, and internal process notes. 

If XXXX can not provide MOV, delete the late payment entries immediately under FCRA 611 ( a ) ( 5 ) ( A ). 

Review XXXX refusal to acknowledge hardship, which constitutes negligence and breach of good faith. 

Regulatory review of broader predatory practices ( XXXX, Possible, XXXX ) to ensure compliance with FCRA, ECOA/Reg B, and FTC Act 5.

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

Complaint narrative:
I am submitting this formal complaint against the inaccurate, unverified, and misleading information currently being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following issues have been identified on my credit reports : Wrong Address Reporting ( Identity/Personal Information Errors ) : 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 Wrong Address These addresses do not belong to me, and their inclusion is a violation of the requirement under FCRA 1681e ( b ) that credit reporting agencies maintain maximum possible accuracy of consumer information. 

Inaccurate/Unverified Account Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This reporting is contradictory, misleading, and unverifiable. A XXXX XXXX with {$0.00} balance indicates inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$350.00}, Date Opened : XX/XX/XXXX. This date is factually impossible and clearly erroneous, as no legitimate account can be charged-off within days of being opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00}, Date Opened : XX/XX/XXXX. I have never received proper validation of this debt. Under FDCPA 809 ( a ), debt collectors are required to provide proof of validity, which has not been done.

These accounts are inaccurate, unverifiable, and damaging to my credit profile. Reporting unverifiable or false information constitutes violations of both FCRA 1681i ( failure to properly reinvestigate
disputed information ) and FDCPA 807 ( false or misleading representation ).

Requested Action : I demand that the CFPB investigate these matters and ensure compliance by the credit reporting agencies and furnishers. Specifically, I request the deletion of the inaccurate addresses and removal of all unverified or contradictory accounts listed above.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-09 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: FL

Complaint narrative:
My personal data was stolen in the following Data Breaches : Experian : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a result, the following accounts are inaccurately listed on my credit report and need to be removed : XXXX ( TransUnion, Experian ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) Account Number : XXXX Extra ( Experian, Equifax ) Account Number : XXXX XXXX XXXX, XXXX ( Experian ) Account XXXX : XXXX I request that you these accounts and remove them from my credit report as they are a result of identity theft.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal data was stolen in the following Data Breaches : Experian : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a result, the following accounts are inaccurately listed on my credit report and need to be removed : XXXX ( TransUnion, Experian ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) Account Number : XXXX Extra ( Experian, Equifax ) Account Number : XXXX XXXX XXXX, XXXX ( Experian ) Account XXXX : XXXX I request that you these accounts and remove them from my credit report as they are a result of identity theft.

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 2025-09-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The company sent the debt to a lawyer. I settled the debt and the debt is still showing in my credit report. Under 15 U.S.C. 1681i ( a ), I am requesting that your agency conduct a reasonable reinvestigation of this/these item ( s ) and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable. Please delete off 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 explanation
Consumer complaint received 2025-09-09 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES XX/XX/XXXXXX/XX/XXXX, Balance : {$830.00} 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 US 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 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 2025-09-09 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: AZ

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 2025-09-09 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: AZ

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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal data was stolen in the following Data Breaches : Experian : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a result, the following accounts are inaccurately listed on my credit report and need to be removed : XXXX ( TransUnion, Experian ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) Account Number : XXXX Extra ( Experian, Equifax ) Account Number : XXXX XXXX XXXX, XXXX ( Experian ) Account XXXX : XXXX I request that you these accounts and remove them from my credit report as they are a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
My personal information was used to obtain credit from XXXX XXXX XXXX XXXX XXXX to an address where i never lived or requested the service. Bull City Financial is trying to collect the debt of {$340.00} and never got a letter of notification or any contact on the matter. Now I have suffered with a decline of XXXX points as a result of them posting this bill for collection. I want the bill erased from my record and the collection reversed from all three credit reporting agencies. This is not right and they need to do the work to fix it not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CBC Companies, Inc.
State: AZ

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I sent a transfer to a foreign account on XX/XX/XXXX and it was promised the money was going to be delivered in XX/XX/XXXX. Now is XX/XX/XXXX and the money is nowhere to be found. Wester union does not know where the money is and they are refusing to assist me with XXXX XXXX. They keep saying I need to wait 40 days and if the transfer is not done. Then I can complain. I wasn't rude or loud to any of the agents at western union customer service but one of them even told me not to waste my time that they won't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We had our Citi Visa card on autopay from a bank account that we were no longer adding funds into. In XX/XX/year>, there were insufficient funds in the account, and Citi Visa charged a {$41.00} return check fee. That was fair enough. We called the Citi agent and made manual payments in stages to more than cover the balance due, and thereafter changed the autopay to our new account with another bank and made it the primary bank account for autopayment. In XXXX there was a credit balance. After we made further purchases, in XXXX and XXXX, Citi attempted to withdraw from the old bank account once again, despite the new bank showing as primary ( I have a screenshot of this ). Once again, we called Citi Visa. They suggested making manual payments in increments and asked for the new bank information. Our new bank ( XXXX, via XXXX ) has a 17-digit account code and the agents we spoke to said that our account number was not valid and and that we should contact our bank to get correct information. So we were unable to make manual payments. We next tried to make manual payments with the same 17-digit account through the website, which worked just fine. We called Citi twice more explaining the problem and asking them to reverse the {$41.00} return check fees for XXXX and XXXX, but they refused. They were also unwilling to give us a log of the phone calls we made starting in XXXX to rectify these autopay issues. On XX/XX/year>, they did refund a {$14.00} interest charge for XXXX. Since XXXX, we have discontinued active use of the card, moved recurring charges to other credit cards and locked it pending resolution of the dispute.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MIDLAND CREDAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED AND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: IL

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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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