vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: IL

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: DE

Complaint narrative:
Account was listed on my credit report as of XX/XX/year>. There is no account number just the amount owed. I didn't open a new account and I have no knowledge of said account. Details of the account in question are as follows : Amount : {$4200.00} Date : XXXX XXXX I believe this account may be the result of a mistake or a case of identity theft. I request that you provide me with the following information regarding this account : XXXX. The details of the original creditor. 
XXXX. Documentation vertifying the validity of this account XXXX. Any signed agreements or contracts associated with this account. 
In accordance with the Fair Debt Collection Practices Act, I kindly ask that you investigate this matter. Please cease any reporting of this account to the credit bureaus until this matter is resolved.

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 2025-07-04 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 NY XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$630.00}

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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected if it can not be verified. Please complete your investigation within the 30-day time frame required by. This account has been paid but is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Bank-related billing and reporting errors are negatively affecting my credit. Under the Truth in Lending Act ( XXXX XXXX XXXX XXXX ( b ) ), creditors are obligated to accurately apply payments and reflect correct account information. However, my payments were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not given the required XXXX advance notice before a payment was due, rendering any late payment notations invalid.

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 2025-07-04 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: GA

Complaint narrative:
Im writing to dispute the way the XXXX account is being reported on my credit report especially on Experian. 

This account is being reported as a collection every single month, repeatedly, for an extended period of time. Thats not how collections are supposed to be reported. A collection is a single event, not something that should show up as a new negative mark month after month. 

Reporting it this way is misleading, inaccurate, and unfairly damages my credit by making the situation appear worse than it actually is. This practice also violates the Metro 2 credit reporting guidelines, the Fair Credit Reporting Act ( FCRA ), and does not align with the CFPBs guidance on fair and accurate reporting.

Because of these issues, Im asking that the XXXX account be removed from my credit report entirely. Please investigate this account and delete it if it can not be corrected immediately to reflect proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
Im writing to dispute the way the XXXX account is being reported on my credit report especially on Experian. 

This account is being reported as a collection every single month, repeatedly, for an extended period of time. Thats not how collections are supposed to be reported. A collection is a single event, not something that should show up as a new negative mark month after month. 

Reporting it this way is misleading, inaccurate, and unfairly damages my credit by making the situation appear worse than it actually is. This practice also violates the Metro 2 credit reporting guidelines, the Fair Credit Reporting Act ( FCRA ), and does not align with the CFPBs guidance on fair and accurate reporting.

Because of these issues, Im asking that the XXXX account be removed from my credit report entirely. Please investigate this account and delete it if it can not be corrected immediately to reflect proper reporting.

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 2025-07-04 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: AZ

Complaint narrative:
Hello I am writting this letter because an account that has been closed with capital XXXX. Is reporting false late payments after account clossure. Account was closed on XX/XX/year>. It has then reported XXXX late payments that extent the statue of limitations. According to fcra everything in my account has to be XXXX  % accurate. Remove false late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has allowed access to my credit file by XXXX and XXXX without permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I did not initiate a credit application, give written authorization, or have any ongoing relationship that would justify these inquiries. I submitted a written dispute and request for removal under FCRA 1681i, but no resolution has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Whatever company they claimed to be, they never actually disclosed that information when calling multiple people ; they just threatened to take legal action if the people they called could not get in contact with me. They harassed other people by no rights and they should face repercussions themselves for their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I am filing a complaint against CNAC regarding a charged-off vehicle account. Despite the charge-off, I have continued to make good faith payments under an agreed-upon payment arrangement to resolve the balance. 

I submitted a complaint to the North Carolina Attorney Generals Office ( File No. XXXX ) requesting confirmation from CNAC on three urgent points : 1. Acknowledgment of the payment arrangement ; 2. Assurance that repossession or remote disablement will not occur if I continue to comply ; 3. Clarification of the current repossession status.

To date, CNAC has ignored three official requests from the Attorney Generals Office, including a final notice sent on XX/XX/year>. Their refusal to respond creates emotional distress, risk of vehicle loss, and undermines my ability to resolve the issue directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Please investigate this as I previous tried to resolve this matter as of identity theft on my 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 2025-07-04 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-04 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is valid and requires immediate attention. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and undue harm to my financial well-being during an already challenging time.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i have been trying to get LVNV/Resurgent to prove on 7 collections that they legally own the debt and have the right to collect and that i own the debt. Since XX/XX/year>, i have been writing letters to them and they literally just keep sending a copy of a statement, who knows what statement it is. ( as in the last statement of that credit card ) I have mailed regular mail and certified mail every month in attempts to get them to prove the multiple things I will attach all the letters that i have sent. 1 letter is the actual letter from the CFPB website and still they failed to respond. LVNV several months ago took the 7 collections off of XXXX XXXX XXXX but has left it on XXXX i have since wrote XXXX  and LVNV more letters to remove them and again no response other than the same documents, a cover letter and a copy of a random monthly statement. They can not and have not after almost 7 months of opportunities of me giving them in order to produce legitimate documents, they have failed to do so. LVNV is a scam of a company and cant not and will not validate debt with proof that they legally own the debt, they have also farmed out the debt to multiple other collection agencies, so not only am i getting letters from Resurgent i now get emails and letters from multiple other agencies as well, stating on the behalf of LVNV. This should be illegal to have the main company give the alleged collection to other companies as well. XXXX XXXX XXXX, XXXXXXXX XXXX  just to name XXXX other companies attempting to collect this debt along with Resurgent.

My letters attached will reflect the attempts and the detailed letters i provided to them of exactly what to provide to me. 
Their actions at this point should not be tolerated and should be deemed illegal practices. They have had ample opportunity to validate the debt and have failed to do so. 
I have disputed with all 3 credit bureaus as well but its mostly a waste of time because even when they open the dispute they always side with the collection agency and state " customer or consumer disagrees '' without any real investigation. Not to mention the boxes of options you have to choice from does not truly depict an option to tell the credit bureau that the collection agency is failing to validate. 
I believe i have attached majority of the validation requests, even if one is missing they know that these have been coming and are aware that i am attempting to get a complete validation on all 7 alleged collections that they are reporting. This company is NOT following the rules of validation with the Fair Credit collections act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX VA XXXX '' VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Eastern District of Virginia that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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