vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: VI

Complaint narrative:
I am reporting multiple inaccuracies on my credit report regarding several accounts that are being displayed incorrectly. These accounts were previously paid, closed, or settled, yet they continue to be reported with derogatory remarks that are not consistent with their actual status. I contacted the company and requested verification and correction of these items, but the reporting has not been updated. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX still showing repeated late payments and charge-off remarks, even though these accounts have been resolved and should no longer display ongoing delinquency patterns. 

XXXX listed as a collection account with derogatory statuses even though the balance is not valid and the account should not be reporting as an open collection. 

XXXX XXXX XXXX XXXX continues to report negative statuses ( unpaid, loss, charge-off, collection ) that are not accurate based on the current standing of the account. 

These derogatory remarks appear across multiple bureaus ( Equifax, Experian, and TransUnion ), and some of the negative data is inconsistent between the bureaus, which indicates that the information is not being verified accurately as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in having these accounts properly investigated and corrected so that only accurate, complete, and verifiable information is reported. I simply want the information to reflect the true, updated status of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
XXXX assessed a {$200.00} deferred interest charge without providing the required billing statements or promotional expiration notices. I did not receive any monthly statements leading up to the promo expiration and was not given the legally required 21-day notice to pay the promotional balance. Because of this, I was not given a fair opportunity to pay the {$220.00} remaining before the promotion end date. 

What Happened : I had a {$1000.00} promotional transaction with a six-month deferred interest period. XXXX  states the promotion expired on XXXX, and they charged me {$200.00} in deferred interest on XXXX  However, I did not receive any billing statements warning me of the promotional expiration or reflecting the correct payoff amount. 

If I had received these statements as required under the Truth in Lending Act and Regulation Z, I would have paid the balance before the deadline. Instead, I was unaware of the expiration date due to non-receipt of notices. 

When I contacted XXXX, they stated they could offer only a 50 % waiver if I made a same-day payment of {$300.00}. This is not fair or reasonable given that the issue resulted from XXXX  failing to send statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account XXXX XXXXXXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
I have no knowledge of this collection in the amount {$150.00} id like to see my signature or initials and dates to when this account was opened under my name with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX opened an account in my name without my knowledge or authorization. I did not apply for or consent to any account with this company, and this is a case of clear identity theft and fraudulent activity. For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( XXXX ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( XXXX ) within XXXX  days, you are required by law to delete the information from my credit file. XXXX XXXX XXXX XX/XX/2024 A company may only pull a consumers credit report with permissible purpose and explicit authorization. XXXX XXXX XXXX had no permissible purpose. 
FCRA 605 ( b ) Credit bureaus must ensure all information in a consumers report is accurate and authorized. 
FCRA 611 ( Consumer Dispute Rights ) You are required to investigate, verify, and remove any unverifiable or unauthorized inquiry within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Dear XXXX, I am submitting a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the accounts listed below, which I believe are reported inaccurately. I request that you investigate these items and provide a resolution based on the Fair Credit Reporting Act ( FCRA ) and other relevant guidelines. 

CHARGED OFF 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CL Holdings LLC
State: TX

Complaint narrative:
NOTICE OF ILLEGAL CREDIT REINSERTION & DEMAND FOR PERMANENT DELETION I am formally disputing the above-referenced account once again. This account has previously been investigated and deleted from my credit reports after my prior disputes. Despite this, Jefferson Capital Systems has reinserted the account onto my credit reports with XXXX  and XXXX  without providing the required written notice. 

This action constitutes illegal reinsertion under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ), which requires that if previously deleted information is reinserted, the consumer must receive written notice within XXXX business days and the information must be properly certified as accurate. I have received no such notice. 

Additionally, this account relates to an alleged debt dating to approximately XXXX  or earlier and is therefore approaching or exceeding the statutory time limits for reporting and collection. Repeated re-reporting and cycling of this account is deceptive and damaging. 

I Demand the Following : XXXX. Immediate and permanent deletion of this account from XXXX  and XXXX  XXXX. Written confirmation that this account will not be reinserted in the future XXXX. Cessation of further reporting or collection activity XXXX. Documentation showing how XXXX XXXX verified this debt prior to reinsertion If this matter is not resolved within XXXX  days, I will file formal complaints with the Consumer Financial Protection Bureau and the XXXX  Attorney General, and consider further legal remedies for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

This letter is not an acknowledgment of debt or a promise to pay. 

Sincerely, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 2025-11-26 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:
Identity thief block and removal Under fair credit act tranunion equifax and XXXX  has not removed fraud account from my credit report and all other credit bureau are removed Some has been removed but not all!!!! 

I have sent police report Ftc report Federal mail fraud report To all 3 credit bureaus Account Discover card {$780.00XXXX 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 XXXXXXXX XXXX XXXX XXXX account. Which are not my XXXX XXXX XXXXXXXX Address I never lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Identity thief block and removal Under fair credit act tranunion equifax and XXXX  has not removed fraud account from my credit report and all other credit bureau are removed Some has been removed but not all!!!! 

I have sent police report Ftc report Federal mail fraud report To all 3 credit bureaus Account Discover card {$780.00XXXX 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 XXXXXXXX XXXX XXXX XXXX account. Which are not my XXXX XXXX XXXXXXXX Address I never lived at XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX am filing a complaint because my credit report dated XXXX still contains inaccurate and outdated personal information, even after a previous dispute. These errors involve multiple old or incorrect addresses that should no longer appear on my XXXX the Fair Credit Reporting Act (FCRA), credit reporting agencies must keep only accurate information (FCRA  607(b)) and must correct or remove any disputed items that cannot be verified (FCRA  611). The continued reporting of these names and addresses suggests that my file is not being maintained properly and may even be at risk of becoming mixed with someone elses information.\n\nCurrent Address (Should Be the Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name(s) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a significant error and must be removed to clear a mixed 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 XXXX XXXX XXXX  This is not my current employer and must be XXXX I Provided to the Credit XXXX License and Social Security Card showing my legal name: XXXX XXXX XXXX utility bill confirming my correct and current XXXX after providing proper identification and proof of address, the bureau did not update my information correctly.'

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 2025-11-26 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as outlined below. The accounts listed below are under dispute with the respective credit bureaus, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). Please see the details separated for each credit bureau. 

CHARGED OFF Account Name XXXX XXXX Account Number XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/year> Balance : {$0.00}

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 2025-11-26 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
Can you check this entry XXXX more time? Its late and might not be correct.

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