vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 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: NC

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 explanation
Consumer complaint received 2025-10-28 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:
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 explanation
Consumer complaint received 2025-10-28 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:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-28 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding XXXX accounts on my credit report that are inaccurately showing late payments. According to Equifaxs records, both accounts have multiple late payments reported, which is completely false. All of these payments were made on time, yet the inaccurate information continues to appear on my report, unfairly damaging my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] 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 TransUnion, LLC XXXX XXXX XXXX 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 TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : INQ - TU : XXXX 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 2025-10-28 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: CO

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 2025-10-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC is showing on my credit report for a balance of {$190.00}. I have never opened or agreed to any account with this company. I am aware of who my original creditor was, but I have never given Jefferson Capital permission to access or share my personal information.

I reached out to all three credit bureaus about this and was advised to file a complaint through the CFPB since I continue being denied credit and housing due to this reporting. I have not received any valid documentation showing that I ever authorized this company to take ownership or report any account related to me.

Under 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1692g ( Debt Validation ), I am requesting proof of my consent and original signed agreement linking me directly to Jefferson Capital Systems LLC. If this company can not show my signature or an agreement authorizing them to handle or report this debt, this account should be deleted immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Multiple accounts are showing on my credit report under my name that I never opened, authorized, or managed. I did not consent to these accounts being created or reported, and their presence is producing an inaccurate and misleading record of my financial history. This is unacceptable and has caused me significant concern about the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and reliable. I am requesting that these collection entries be investigated, and if their accuracy can not be verified, they should be promptly deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I previously submitted a dispute regarding inaccurate late payment reporting on my credit report, specifically concerning my account with XXXX XXXX XXXX  ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$34.00}. Despite my consistent, timely payments, the account continues to reflect late payments, which are negatively affecting my credit profile. I have not received any verification, explanation, or written confirmation from the credit bureau regarding the reinvestigation or correction of this inaccurate information. This failure to address my dispute constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate consumer reporting agencies to investigate disputed information and correct inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
noticed fraudulent activity on my CC account on XX/XX/XXXX statement, called to dispute charges. Citibank promised to refund fraudulent charges on payments made with account on autopay since XX/XX/XXXX. I stopped autopay and Citibank was to issue new card. 
Discovered I was a victim of Identity Theft and froze all Credit Bureau accounts on XX/XX/XXXX and added a victim of identity theft with Citibank. Subsequently kept requesting Citibank to NOT issue any cards to anyone and closed my Citibank account I had owned since XXXX. Citibank reported the account to my credit report as past due and has not refunded the autopayments made as promised. Citibank issued as many as 5 or 6 new cards to the " wrong XXXX XXXX '' regardless of my alerts and numerous conversations. This compromised my perfect Credit Score and continues to be an issue for me. The fraudulent XXXX XXXX has even changed the address on my Credit History twice, because Citibank updated my address as they issued new cards. Citibank has proven to be incompetent of restoring my credibility and has significantly caused undo stress and inconvenience still unresolved.

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 monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 inspect the provided information ; the inquiries appeared without notice and could be unapproved.

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