vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NV

Complaint narrative:
XXXX XXXX also had XXXX XXXX run my credit ( I leased a XXXX, not a XXXX ) and the dealership also ran my credit. In XX/XX/year>, I leased a XXXX XXXXXXXX XXXX. As a result of this lease, I have three ( 3 ) hard hits on my credit report for one leased vehicle. I went to no other dealerships. I only went to XXXX XXXX XXXX. I leased a single vehicle. It was a single transaction. PLEASE REFER TO THE ATTACHED PICTURE. The hard hits show up as : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX But they are all for the same transaction. I should have only one ( 1 ) hard hit, and not three ( 3 ). This increased my hard hit count significantly. This results in a lower credit score and damages my credit 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Re : Formal FCRA/FCBA/ECOA Dispute XXXX  / XXXX XXXX  {$3000.00} Background : I am formally disputing inaccurate, incomplete, and unfair reporting regarding my XXXX XXXX  secured credit card account. According to the credit report, the account reflects : - Status : Closed ( XX/XX/XXXXXXXX  ) - Credit limit : {$3000.00} - Payment history : Multiple late and derogatory notations extending into XXXX  despite a {$0.00} balance at closure. 

- Remarks : " Variable/adjustable rate '' ( misleading for a closed secured credit card ). 
This reporting is inaccurate, misleading, and harmful. Violations & Legal Codes : 1. Continued Late Reporting After Closure ( FCRA 623 ( a ) ( 1 ) ( A ) ) Late payments were reported in XXXX even though the account was closed XX/XX/XXXXXXXX  with a {$0.00} balance. This is factually impossible. 
2. Inflated Late Payment History ( FCRA 607 ( b ) ) Report lists XXXX lates, yet my history shows exaggerated late notations inconsistent with actual performance. Accuracy and completeness standard is violated. 
3. Contradictory Status ( FCRA 607 ( b ) ) Reporting Variable/adjustable rate as a remark is irrelevant and misleading. A closed secured credit card should only state Closed Paid/Settled {$0.00} balance. 
4. Post-Closure Re-Aging ( FCRA 605 ( a ) ) Recording lates after closure re-ages the account and misleads future creditors into believing delinquency occurred post-closure. 
XXXX. Failure to Accommodate Medical Hardship ( ECOA 15 U.S.C. 1691 ) Upon notifying XXXX XXXX  of my XXXX XXXX hardship, the account was closed instead of being properly coded for hardship assistance. This action may represent discrimination based on medical hardship. 
6. Failure to Properly Investigate ( FCBA 15 U.S.C. 1666 ) If this account has previously been disputed and not corrected, then the failure to amend is evidence of inadequate investigation. Requested Resolution : 1. Remove all late payments and derogatory notations reported after XX/XX/XXXX ( closure date ). 
2. Correct account status to : Closed Paid/Settled {$0.00} balance.

3. Remove misleading Variable/adjustable rate remark.

4. Reinvestigate under FCRA 611 and provide written confirmation. 
Notice : If these inaccuracies are not corrected within 30 days of receipt, I will file a formal complaint with the CFPB, FTC, and Illinois Attorney General, and seek remedies under FCRA XXXX for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX, am filing this complaint regarding inaccurate credit reporting by XXXX XXXX. 

Account in Dispute : XXXX XXXX ( Late payment ( s ) I am disputing this account because the reported late payments are not accurate and should not be on my credit file. I have disputed directly with the credit bureaus, but the item remains.

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are required to ensure that all information reported is accurate and verifiable. This account is not accurate, is causing harm to my credit standing, and must be removed.

Requested Resolution : I request that the CFPB investigate and ensure that this account and its inaccurate reporting are permanently removed from my credit reports with XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account that continues to appear on my credit report beyond the allowable reporting period.

This collection account has now been on my credit file for over seven ( 7 ) years. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as collections can not be reported beyond seven years from the date of the first delinquency that led to the collection. The account is also remaining as an open collection when it should be closed.

Despite this, the account is still being reported and is not listed as closed or removed. This is inaccurate, misleading, and harmful to my credit profile.

Steps Already Taken : I contacted the credit bureaus and requested an investigation.

The account remains reported despite being legally obsolete.

This situation has negatively impacted my ability to obtain fair credit opportunities, and I request your assistance in ensuring that the credit bureaus and the furnisher comply with the law.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am formally disputing an account listed on my credit report that I did not authorize or open. This account is fraudulent, and its reporting is entirely inaccurate. Its presence is negatively impacting my creditworthiness and causing unnecessary stress and financial inconvenience.

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 2025-08-25 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I was fraudulently induced into sending {$500.00} via XXXX from my Navy Federal Credit Union account. The individual I sent the funds to presented a false and emotionally coercive story involving a childs birthday, which I now know was entirely fabricated. This was not a payment for goods or services, nor a personal gift it was a transaction made under false pretenses. 

Immediately upon realizing I had been deceived, I contacted Navy Federal and formally requested that they open a Regulation E error resolution investigation under 12 CFR 1005.6 ( b ) ( 5 ) and 1005.11, citing fraudulent inducement, which classifies as an unauthorized electronic fund transfer.

Navy Federals representatives informed me that they could not submit a claim while the transaction was still pending. When I asked for a written denial or acknowledgment of my rights under Regulation E, I was told no written denial would be issued unless the transaction was first submitted and denied by their investigation department. They stated verbally that XXXX t

erms of service override Regulation E which is false. I am requesting the CFPB to compel Navy Federal to : Submit my claim for proper Reg E review Investigate the transaction in accordance with federal law Issue a formal written denial if they choose not to reimburse Provide a legal basis for that denial under Regulation E I have also requested all internal communications and documentation regarding their refusal, which was not provided. I am prepared to provide call transcripts, dates, and names of representatives if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally dispute and report the unauthorized opening of a bank account under my name with your institution. I did not apply for or authorize the opening of this account, and I believe it may be the result of identity theft or 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 2025-08-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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. To ensure a prompt and equitable resolution of this matter, I propose the following actions : It is imperative to correct the inaccuracies in my credit reporting promptly. I request compensation for the financial losses incurred due to the inaccuracies. Additionally, updating records with the correct information is necessary to prevent future issues. Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681n, there is statutory civil liability for willful noncompliance, which includes liability for actual damages sustained by the consumer, ranging from a minimum of {$100.00} to a maximum of {$1000.00}, or {$1000.00} in cases of obtaining consumer reports under false pretenses. Potential punitive damages as determined by the court, and reimbursement of legal costs and reasonable attorneys fees associated. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am filing a complaint regarding a fraudulent account being reported by XXXX XXXX XXXX ( XXXX ), with XXXX XXXX  XXXX  listed as the original creditor. 

This account is not mine. I have no contract, agreement, or obligation with XXXX. The tradeline has been reported inconsistently across Experian, TransUnion, and Equifax, with conflicting dates of delinquency, last payment, and reporting. It also shows a {$0.00} balance/paid status while still being listed as a derogatory collection. 

On XXXX XXXX, 2024, I filed a CFPB complaint ( ID # XXXX ) concerning this same account. Despite that filing, the account continues to be reported. I have also submitted a sworn Affidavit of Truth with Exhibits documenting the fraud, the inconsistent reporting, and prior disputes.

This account is fraudulent and falls under FCRA 605B ( Identity Theft and Fraud Procedures ). I am requesting that this account be blocked and permanently deleted within four ( 4 ) business days ( 72 hours ) as required by law.

Continued reporting will be considered willful noncompliance under FCRA 616617 and FDCPA 807 ( 8 ).

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 2025-08-25 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: CA

Complaint narrative:
I am filing a complaint regarding a fraudulent account being reported by XXXX XXXX XXXX ( XXXX ), with XXXX XXXX  XXXX  listed as the original creditor. 

This account is not mine. I have no contract, agreement, or obligation with XXXX. The tradeline has been reported inconsistently across Experian, TransUnion, and Equifax, with conflicting dates of delinquency, last payment, and reporting. It also shows a {$0.00} balance/paid status while still being listed as a derogatory collection. 

On XXXX XXXX, 2024, I filed a CFPB complaint ( ID # XXXX ) concerning this same account. Despite that filing, the account continues to be reported. I have also submitted a sworn Affidavit of Truth with Exhibits documenting the fraud, the inconsistent reporting, and prior disputes.

This account is fraudulent and falls under FCRA 605B ( Identity Theft and Fraud Procedures ). I am requesting that this account be blocked and permanently deleted within four ( 4 ) business days ( 72 hours ) as required by law.

Continued reporting will be considered willful noncompliance under FCRA 616617 and FDCPA 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I had a debt collection judgement set in place with XXXX XXXX XXXX I paid this debt religiously and towards the end of this debt I started XXXX reach out to see if we could settle the debt with a discounted lump sum payment. I couldnt afford the offer at that time so I told them I would call back. A couple of months later ( XXXX ) I called to see what settlement offer we could agree to. When I called the hold music would play after my language selection. It would play hold music til the system asked me to leave a voicemail from which I would never get a call back. So I made my payment again. The next month I attempted to call and the same thing occurred. No answer and no callback. So this month ( XXXX ) I called again and the same thing occurred. So I used my childs phone that has a different number to call this debt collector. When I called I immediately got someone to answer. This person did not care about my concerns regarding not being able to reach someone regarding a debt owed. The kicker about this situation is this debt is owed and I had a court ordered judgment that I was obligated to pay. So with that in mind, this company appears to be manipulating their phone system to reject calls from people who pay their debt and forces them to pay the full amount even if they want to settle for a reduced amount.

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XXXX, the original creditor XXXX XXXX  issued a 1099-C, cancelling and discharging the alleged debt they claimed I owed. Despite this, Midland Funding LLC a third-party debt collector fraudulently pursued collection of that same debt. They waited multiple years and then filed a court claim without properly serving me. The individual described in their affidavit of service was not me, which I have proof of. 

As a result, a default judgment was wrongfully entered without my knowledge. Midland then unlawfully garnished my wages and bank account ( XXXX XXXX ), even though the debt was already legally cancelled with the IRS. This constitutes : Double collection ( after a 1099-C ) Fraud upon the court Violation of due process Unlawful credit reporting I filed a Motion to Quash Service and Vacate the Default Judgment, which was denied not because I was properly served, but due to procedural technicalities. Midland collected the full amount and continues to allow this fraudulent judgment to affect my credit. 

I am seeking full correction of this matter and a return of funds collected under false pretenses.

Company response to consumer: Closed with explanation