vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Equifax, Experian Dispute Department, I am writing to formally dispute a collection account being reported under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account reference ID : XXXX, originally from XXXX XXXXXXXX XXXX 

This debt was previously deleted from my XXXX report in XX/XX/2025 under the name XXXX XXXX XXXXXXXX, as documented in the credit change notification I received from your bureau. 

The current tradeline reporting under XXXX XXXX XXXX is a reinserted version of the same account, which violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 611 ( a ) ( 5 ) ( B ) If information is deleted as a result of a dispute and later reinserted, the consumer reporting agency must notify the consumer in writing within 5 business days, which I was not.

FCRA Section 604 ( b ) Reporting of previously deleted or unverifiable information without proper reinvestigation or notification is a violation of consumer rights.

Furthermore, the account was reportedly sold and then serviced by Resurgent entities under different names, indicating an attempt to repackage the same tradeline to avoid prior deletion outcomes.

Requested Action : Please immediately delete the reinserted collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as this is a violation of the FCRA and represents previously resolved and removed data. Please send me written confirmation of the deletion. 

Enclosed are supporting documents including : The XXXX XXXX XXXX welcome letter ( XX/XX/2025 ) XXXX  credit update showing deletion of XXXX XXXX XXXX XXXX XX/XX/2025 ) Thank you for your prompt attention to this matter. Under the FCRA, I expect a resolution within 30 days. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 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:
Subject : Formal Complaint XXXX XXXX Reporting Inaccurate and Conflicting Information in Violation of FCRA, TILA, ECOA, and GLBA To Whom It May Concern : I am submitting this complaint against XXXX  XXXX regarding the reporting of a revolving credit account that currently shows inconsistent and inaccurate payment data across all three major credit reporting agencies ( Equifax, XXXX XXXX XXXX ). 

What Is Happening : The account is open with a balance of {$1400.00}, yet it is being reported as negative on all three bureaus due to alleged delinquencies. 

Equifax, XXXX XXXX XXXX each report a 60-day late payment, but with different dates of last payment and last activity : Last Payment Dates : XX/XX/XXXX( Equifax ) , XX/XX/XXXX ( XXXX ), ( missing from XXXX ) Last Activity Dates :XX/XX/XXXX ( Equifax ) , XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) The variation in dates, combined with the lack of uniformity in how delinquencies are reported, results in inaccurate and misleading information on my credit report. 

Despite maintaining consistent payments, the account is harming my credit score due to these inconsistencies. 

Laws Being Violated : FCRA Fair Credit Reporting Act ( XXXX U.S.C. XXXX & XXXX ) : Consumer information must be accurate, consistent, and verifiable. 

Discrepancies across the XXXX bureaus violate my right to a fair and accurate credit report. 

TILA Truth in Lending Act : The inconsistencies distort the true payment history and credit behavior of the consumer, impacting transparency. 

ECOA Equal Credit Opportunity Act : Inaccurate negative reporting could lead to discriminatory lending decisions, including higher rates or unjust denials. 

GLBA Gramm-Leach-Bliley Act : The data handling and reporting practices demonstrate a lack of data integrity and compliance with consumer data protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Delete Account off of my credit report I have recently pulled my credit report and noticed that there is a collection listing from your agency. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Used my mother account to use XXXX to pay rent now they blocked here for using the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: KY

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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account, Capital One Acct # XXXX, that are inaccurate and not properly verified. 
i have disputed this directly with the credit bureau and Capital One but the late payment remains without proper validation or documentation. Under 15 USC 1681 S 2 A creditors must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am disputing an inaccurate 30-day late payment being reported on my XXXX XXXX XXXX account XXXX 

Experian is reporting a 30-day late from XX/XX/scrub> 2024, and XXXX  is reporting a 30-day late from XX/XX/year>2024. However, XXXX  shows this account as Pays as agreed with no delinquencies. This inconsistency violates FCRA 607 ( b ), which requires complete and consistent reporting across all credit bureaus.

I already submitted a formal dispute by mail more than 60 days ago and never received any results or communication. This is a violation of FCRA 611 ( a ), which mandates that consumer reporting agencies reinvestigate disputed information and respond within 30 days.

This late payment was caused by a billing issue and was corrected immediately. Since then, all payments have been on time. The derogatory mark is not an accurate reflection of my payment behavior and continues to damage my credit unfairly.

Please remove the inaccurate late payment immediately and confirm reinvestigation results in writing.

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 2025-06-05 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:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX fl XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didnt have the ability to open them on his own, but I never gave him permission to open these. I want these taken from my credit because they are not mine. My cousin has returned to XXXX and I cant reach him, please get this resolved and removed asap as they are not my accounts. Thank you for you help.

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 2025-06-05 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: CA

Complaint narrative:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didnt have the ability to open them on his own, but I never gave him permission to open these. I want these taken from my credit because they are not mine. My cousin has returned to XXXX and I cant reach him, please get this resolved and removed asap as they are not my accounts. Thank you for you help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$54000.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXXXXXX Date : XXXX/XXXX/23 XXXX XXXX XXXX Date : XXXX/XXXX/23

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Credit card double cash ending in XXXX XXXX since XXXX, with balances in 5 digits paid on time. 
1. In the XXXX statement I made a mistake and paid {$5900.00} instead of {$5900.00}, I was {$29.00} short. Obviously it was a mistake on my part.. 
2. The XXXX statement showed an interest charge of {$69.00}. 
3. On XX/XX/XXXX, I called and requested a waiver of the interest, customer service asked that I pay the {$29.00} immediately on the phone, I did. Then hey told me they can not waive the interest of {$69.00}. I closed the account. 
4. I paid the {$69.00} as part of the full payment of the XXXX statement. 
5. In the XXXX Statement for amounts charged before closing the account, it showed additional interest of $ {$130.00}. 
6. On XX/XX/XXXX I called to ask what was that interest for and customer service said it is residual interest, that when a PaymenXXXX is not paid in full, they charge interest on the full amount for two monthly cycles! 
I told customer service that {$69.00} which I paid and {$130.00} ( total of XXXX ) interest because {$29.00} was carried by the credit card for less than two weeks is excessive and not fair and asked that they they at least waive the {$130.00}, they said they can not do that. At this point I have no alternative but to pay it, hoping my complaint will help me get it back. 

The amount was shorted by {$29.00} by mistake, the {$29.00} was paid on the phone as soon as I was made aware of the mistake. The credit card company is not acting in good faith here. 

I believe that notwithstanding my long and good relationship with the card, the interest charges are unfair and excessive, and request that they refund me the interest charges..

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 2025-06-05 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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