vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5800.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding Failure to Validate Debt / Unlawful Credit Reporting Dear Consumer Financial Protection Bureau, I am filing this complaint against LVNV Funding LLC regarding their unlawful collection and credit reporting practices.

LVNV Funding is attempting to collect on an alleged debt and has reported this account to the credit bureaus. I have formally disputed and requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my written requests, LVNV Funding has failed to provide : Documentation proving that I am legally obligated to pay this alleged debt.

A complete account history or accounting of the debt.

A copy of the original signed agreement or contract.

Proof that they have the legal right to collect on the account.

Instead of providing validation, LVNV Funding continues to report the account to the credit reporting agencies. This constitutes continued collection activity without validation, a direct violation of the FDCPA.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers of credit information are required to ensure accuracy. By failing to validate, LVNV Funding is reporting unverified and potentially inaccurate information, which has negatively impacted my credit profile. 

This account reporting has caused harm to my credit standing, financial opportunities, and personal peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
I am filing a complaint regarding unlawful debt collection and improper landlord practices. I moved out in XX/XX/XXXX. My lease and move-out checklist required XXXX to XXXX an itemized statement within 14 days ; state law ( RCW XXXX ) requires a 21-day deadline. I received no notice until XX/XX/XXXX ( 2 years later ), and an itemized bill was sent on XX/XX/XXXX, violating both deadlines. 

The charges include blinds and a key I returned, which XXXX staff ( XXXX XXXX XXXX ) acknowledged as invalid. XXXX XXXX also confirmed XXXX had my address on file and told me to request proof of mailing, which I did, but they refused further assistance and directed me to Puget Sound Collections. 

XXXX demanded over {$4000.00}, giving me a verbal-only payment deadline of XX/XX/XXXX, without including it in the written notice. This is misleading, confusing, and violates the FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ).

I request the CFPB : 1. Investigate PCHA for violating statutory notice requirements.

2. Investigate PSC for unfair and deceptive collection practices.

3. Ensure this debt is removed from collections and credit reporting.

4. Require removal of improper 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 2025-08-29 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: OH

Complaint narrative:
Im following up on several hard inquiries that are still showing on my Experian credit report. I previously disputed these because I dont remember authorizing them, and I havent received any proof that I gave permission.

The inquiries Im concerned about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-29 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:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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 2025-08-29 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX XXXX, 2025 {$100.00} : Cash withdrawal to my account in the XXXX XXXX. 

XXXX XXXX Request Cash withdrawal to my account in the 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 2025-08-29 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all XXXX  reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all XXXX  reports. Id appreciate your help in getting this taken care of.

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 2025-08-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Unauthorized Credit Inquiry Without Consent Company : Citibank Date of Incident : XXXX XX/XX/year> Product : Mortgage Inquiry / Credit Reporting Credit Reporting Agencies Affected : XXXX XXXX XXXX  Complaint Description : Citibank performed a hard credit inquiry on my credit profile without my consent. 

Despite multiple formal complaints and follow-ups, Citibank has repeatedly failed to provide any proof of authorizationwritten, verbal, or digitalfor this credit check. Specifically, in response to my prior CFPB complaints # XXXX and # XXXX, Citibank once again asserted that consent was given, yet did not provide any supporting documentation or evidence.

In Citis most recent response, they stated that the inquiry was changed to non-display with XXXX XXXX XXXX XXXX This action effectively acknowledges a mistake and is an attempt to minimize the damage caused by the unauthorized inquiry. However : TransUnion has not updated the inquiry, and it continues to be reported as a hard inquiry visible to third-party lenders and background checks.

Citis continued claim that the inquiry was legitimate directly contradicts their behind-the-scenes attempt to conceal or downgrade its impact. This inconsistency reveals a lack of transparency and a half-hearted resolution effort.

The original credit inquiry was unauthorized. Citi 's failure to provide evidence even after two prior CFPB interventions is deeply concerning and suggests ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ). Further, making claims without proofespecially in correspondence with a federal regulatory bodyraises the possibility of false statements made under penalty of perjury.

Resolution Requested : I request the following actions be taken to fully resolve this matter : Immediate removal of the unauthorized hard inquiry from all three credit reporting agenciesnot merely converting it to a soft or non-display status.

Formal confirmation from Citibank that no consent exists for this inquiry, or a complete copy of such authorization if they continue to claim it was legitimate.

Assurance that this inquiry has not and will not affect my credit score or third-party credit evaluations.

Compensation of {$50000.00} for : Time spent researching legal remedies and FCRA regulations, Consulting with legal and credit experts, Missed opportunities to secure better financing due to score impact, Lost work hours devoted to documentation, correspondence, and case follow-up. 

This matter reflects a serious and repeated failure on the part of Citibank to both respect consumer rights and act with transparency and integrity. I urge the CFPB to take further action to hold Citi accountable.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This creditor and debt collection agency has engaged in harassing and unlawful collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ).

Representatives from this agency has unlawfully contacted third parties, including friends, family members, and workplace associates. Such contact is expressly prohibited by FDCPA 805 ( b ).

This company has placed repeated and unwanted calls, including to my cell phone and workplace, despite no consent and after requests to stop.

These actions constitute harassment under FDCPA 806 and misrepresentation of collection rights under FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AR

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-08-29 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: NJ

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. 

Please delete the following accounts : XXXX XXXX  - XXXX XXXX - XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal, has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief