vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IN

Complaint narrative:
it looks like this account was open in 2024 without my knolage or concent i also have not recived a debt valadation letter stating anything about this debt does not belong to me ive request the debt valadation notice but have not yet to recivr it pleas remove this debt from my cerdit profile thanks

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 2025-05-05 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a Portfolio Recovery received on XX/XX/year>, regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692G.

Please provide the following information : The amount of the alleged debt.

The name of the creditor to whom the debt is currently owed.

A detailed statement explaining how the debt was calculated.

Copies of any documents that show I agreed to assume this debt.

A copy of the original contract or agreement bearing my signature.

Proof that your agency is authorized to collect debts in my state.

The date of the last payment made on the account.

If you do not provide the requested documentation, you must cease all collection activities, including reporting this debt to credit reporting agencies, until the debt is validated.

Please consider this a formal notice to cease any and all collection efforts until you provide the requested validation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this message finds you well. Im reaching out regarding an error I found on my recent credit report. After reviewing, I noticed an item that appears to be inaccurate and does not reflect my actual credit history. I believe this listing may be a result of a reporting mistake or possible identity mix-up.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-05 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
They have my funds restricted, they dont either closed my account and give me money, either they dont fix the account, just making me wait causing me financial damages and making my rent late and bills utilities late because they dont care about holding you money for long term without any justification

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

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX C Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
b'It was an error on every federal account. I have a copy of the chat along with a copy of the receipts of the check. All my payments have been current for the pasXXXX XXXX XXXXears. There should be no late payment payments on my account at all. In addition to this, the account belongs to my husband as part of the XXXX XXXX as of XXXX XXXX  years ago.\nXXXX keeps posting it on my account'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MD

Complaint narrative:
I am filing this complaint because Equifax has refused to remove an unauthorized hard inquiry from my credit report, despite my formal dispute and supporting documentation. 
On XX/XX/scrub> 2024, a hard inquiry was made on my credit file by XXXX XXXX XXXX XXXX  without my knowledge or written authorization. I did not apply for credit or grant permission for this inquiry. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be accessed with the consumer 's consent or for a legally permissible purpose.

I followed the proper dispute process under 15 U.S.C. 1681i, submitting a written dispute to Equifax along with : A copy of my government-issued ID A utility bill as proof of my address A copy of my credit report with the inquiry highlighted A formal letter from XXXXXXXX XXXX acknowledging the inquiry was made in error and confirming they submitted a request to Equifax for removal Despite providing all of this, Equifax has continued to report the inquiry and has not provided a valid reason for denying my dispute.

This ongoing reporting is damaging my credit, violates my rights under the FCRA, and is causing unnecessary XXXX and harm. I am requesting the CFPBs assistance to : Investigate Equifaxs failure to comply with the FCRA ; Ensure that the unauthorized inquiry is permanently removed from my credit file ; Hold Equifax accountable for failing to correct inaccurate information after receiving clear and verifiable documentation. 
Thank you for your attention to this matter.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
My complaint is against Kimball, Tirey & St. John ( KTS ) regarding the continued reporting and attempted collection of an account that is confirmed to be fraudulent and the result of identity theft. In XX/XX/year>, XXXX acknowledged that the lease agreement underlying this collection action was opened using false identities. My cousin, who was also listed on that same lease as co-signer for a property, XXXX XXXX, in XXXX XXXX, CA, provided proof of identity theft and successfully had this exact account removed from his credit report. Despite this removal and acknowledgement of fraud, the account remains on my credit report and in KTSs internal records. I have sent written disputes to the address KTS listed on the collection account, clearly stating that the debt is not mine but was incurred through identity theft. I also disputed the account with all three nationwide credit reporting agencies each bureau forwarded my dispute to KTS. Nonetheless, KTS neither provided verification of the debt nor ceased reporting or collecting on it. At first when it was removed from my cousin 's account they had also removed it off of my credit report but after this initial removal from my credit file, the account was later readded without explanation, and KTS has continued collection efforts. I want to be clear, this property rental was not opened by me, nor do I have any relation to this lease agreement. Two individuals used mine and my cousin 's identity to rent this apartment. KTS confirmed it was fraud and removed it from his credit report and initially off mine as well, but now its back on my credit and I need it removed.

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

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX  ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Removal of Unauthorized Hard Inquiries FCRA 1681i ( a ) and 1681c-2 Dear TransUnion Dispute Department , I am writing to dispute and demand the immediate removal of nine ( 9 ) unauthorized hard inquiries from my TransUnion credit report. These inquiries were not authorized by me, and I believe they were made in error or without my consent.

Under my rights provided by the Fair Credit Reporting Act, I am invoking the following legal provisio

ns : 1. 15 U.S. Code 1681i ( a ) This section requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items on a credit report. If the disputed item can not be verified, it must be deleted from the consumers file within 30 days. 2. 15 U.S. Code 1681c-2 This provision grants me the right to request the blocking of information resulting from unauthorized or fraudulent transactions, including credit inquiries. As the inquiries listed below were not initi
ated by me, I am requesting they be blocked and removed as required under this law. 

Here is a list of the disputed hard inquiries, as shown in the attached XXXX XXXX report : 1. 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 XXXX. XXXX XXXX XX/XX/XXXX I request that TransUnion reinvestigate these inquiries, and unless the original creditors can provide documented proof of my written authorization, you are required by law to remove them from my file. 

Please respond in writing with the results of your reinvestigation within the legally mandated timeframe. If any of the inquiries are verified, I request the name and contact information of the entity that verified the authorization. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] SSN ( Last 4 digits ) : XXXX- [ XXXX ] Date of Birth : [ 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citibank processed a credit card transaction totaling {$10000.00} to XXXX * XXXX XXXX, XXXX DE, charged to my Citibank XXXX ending in XXXX. The transaction was processed through Citibanks system, referencing their merchant XXXX and backend clearing mechanisms. I later submitted a formal dispute after discovering that the merchant, XXXX XXXX XXXX ( aka XXXX Carriers ), failed to deliver contracted services, ceased communication, and became the subject of multiple fraud complaints filed with the FTC, SEC, and FBI XXXX. 

Despite presenting Citibank with evidence of : A non-performing merchant A misrepresented business transaction Public records of other victims and complaints Citibank declined to reverse the charge, citing policy limitations based on the time elapsed, thereby refusing their duty under federal banking regulations, including the Fair Credit Billing Act ( XXXX ) and Bank Secrecy Act ( BSA ), to investigate fraudulent or deceptive merchant behavior. 

This raises serious questions about Citibanks compliance with regulatory obligations, and whether their inaction effectively shields criminal enterprises operating through their payment network. I request that Citibanks failure to act be reviewed alongside the original fraud scheme, as a potential case of institutional negligence or willful complicity.

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