vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Equifax is unlawfully restricting access to my credit report and preventing me from submitting disputes.

1. Summary of the Problem Equifax has repeatedly blocked me from accessing my consumer report through the myEquifax portal. Each time I attempt to log in or request access, I receive a message instructing me to call customer care ( screenshot attached ). Despite multiple attempts, I have not been able to view, print, or dispute items on my credit report.

This restriction violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681g ( a ) the right to obtain a full copy of my credit file upon request.

15 U.S.C. 1681i ( a ) the right to dispute and have reinvestigated the completeness and accuracy of any information.

By denying me access to my file and blocking dispute submissions, Equifax is interfering with federally protected consumer rights.

2. Details of Violation MyEquifax account displays a notice stating : Please give us a call. We cant complete your request at this time. Please call the Customer Care team : XXXX. 

This message appears every time I try to access my report, initiate a dispute, or view prior dispute results. 

I have contacted Equifax by phone and have not been provided access or resolution. 

Because of this block, I am unable to dispute inaccurate accounts, request reinvestigation under FCRA 1681i, or obtain required disclosures under 1681g.

This conduct also potentially violates CFPB Regulation V ( 12 C.F.R. 1022.137 ), which requires CRAs to provide a streamlined and accessible online dispute process.

3. Requested Relief I am requesting that the CFPB : Direct Equifax to immediately unlock my myEquifax account and restore full access to my credit report and dispute functionality.

Require Equifax to provide a complete copy of my current credit file under 1681g ( a ) within 15 days.

Investigate whether Equifax is systematically denying consumers access to their online accounts or dispute portals.

Impose penalties or corrective actions if Equifax is found to be in violation of the FCRA or CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Equifax continues to report my name incorrectly on my credit file. My correct legal name is XXXX XXXX, but Equifax shows XXXX XXXX XXXX. I have already submitted my drivers license and followed all instructions requested by Equifax to correct this error, but they have not made the update. 

This issue is causing me serious problems with my credit applications and identification verification. I am requesting that the CFPB investigate and require Equifax to correct my name immediately to reflect my legal identity : 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 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I was notified that on XX/XX/2025 a credit report inquiry was made by CITI CARDS CBNA. I called all three credit bureaus. XXXX said they were the ones who received the inquiry. They told me to contact CITI to find out who made the inquiry and why. I looked over the CITI website as well as calling the phone number, and there appears to be no way to contact customer service unless you already have a CITI card -- something I don't want and didn't apply for.

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 2025-11-03 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: GA

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Elite Legal Practice PC
State: MD

Complaint narrative:
I entered into an agreement with Elite Legal in XX/XX/XXXX4 for debt dispute and resolution services. I was told the company could challenge my debts based on legal deficiencies in creditor documentation, such as missing signatures, lack of financial records, or unauthorized credit limit increases. Based on these representations, I paid over {$10000.00} to Elite Legal.

Despite these payments, Elite Legal failed to perform any meaningful services. I received no documentation of work completed, no verification of disputes filed on my behalf, and no measurable progress on any of my accounts. Communication with the company was inconsistent, and updates were vague or nonexistent.

Following months of inaction, I submitted a formal cancellation and refund request. Elite Legal canceled my account only as a direct result of my request, but they have refused to issue any refund for services not rendered. Their lack of performance has left me liable in a civil lawsuit related to one of the debts they were supposed to handle, and my credit score has been severely damaged due to their inaction. 

On XX/XX/XXXX I sent written notice canceling the agreement and requesting a refund in accordance with California consumer protection laws and the California Rules of Professional Conduct, which prohibit unconscionable or excessive fees for minimal or no service. I gave them 10 business days to respond, but they did not issue a refund or even acknowledge my notice.

Elite Legals actions appear deceptive and predatory, collecting large upfront payments without providing promised services. I am requesting assistance from the CFPB to investigate and secure a refund of {$8000.00} for services that were not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization. 

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Summary of Complaint : Portfolio Recovery Associates ( PRA ) is inaccurately reporting a collection account on my credit reports and has failed to provide proper documentation or verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Details : The account in question lists Portfolio Recovery Associates as both the collection agency and the original creditor, which is factually incorrect. The true original creditor was XXXX XXXX, with a credit limit of {$500.00}. PRA is reporting a balance of {$3700.00}, which is impossible given the original account limit.

I have filed multiple disputes with all three major credit bureaus TransUnion ), but each time the furnisher ( PRA ) has verified the debt without providing any documentation or itemized statements proving how the alleged balance was calculated or that they are legally entitled to collect it.

Despite being asked in writing to validate this debt, PRA has failed to provide : A signed contract or agreement showing I am responsible for this debt.

A complete accounting of charges showing how the balance reached {$3700.00}. 

Proof of purchase or assignment from XXXX XXXX to Portfolio Recovery Associates. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

FCRA 611 ( a ) Failure to delete unverifiable information after dispute.

FDCPA 809 ( b ) Failure to provide debt validation upon request.

Harm Caused : This inaccurate collection has negatively impacted my credit score and caused financial harm and distress. I have spent months trying to resolve this directly through the credit bureaus and the furnisher without success.

Requested Resolution : I am requesting the immediate deletion of this collection account from my credit reports with all bureaus ( XXXX XXXX and XXXX ), and confirmation that Portfolio Recovery Associates ceases all reporting and collection activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline and remove account from my credit report for failing to furnish validation of debt with required requested documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: 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 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made several attempts to resolve this ongoing matter with the TD Bank Fraud Unit, Recovery Unit, various branch staff, and I filed a complaint with the TD Chairman Complaint unit. All of the responses are the same. They insist I was credited the {$1700.00} on XX/XX/XXXX ; however, they withdrew the {$1700.00} XX/XX/year> and placed it in a closed account and refuse to return those funds to me ; so I am at a loss of {$1700.00}. I provided TD staff with the attached statements showing the withdrawal from my active account to no avail. I also filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and the investigator advised me that TD has not responded to his requests for information and documents. 

XX/XX/year> TD Fraud APPROVED my claim against XXXX and XXXX for the total {$1700.00}. Statements show those funds were not permanently credited to any of my ACTIVE account ( s ) and I am currently at a loss of {$1700.00} despite the claim being approved.

TD refuses to provide a written explanation as to how I was permanently credited the {$1700.00} if they withdrew it XX/XX/XXXX. For these reasons I can not trust TD is being fully forthcoming or even competent. I attached the full complaint I filed with TD XX/XX/year> which shows all of the transactions and documents noting the discrepancy of the {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting a full review of my TransUnion credit file for accuracy and completeness. Several charged-off and collection accounts may be outdated, duplicated, or incorrectly reported. 

Charged-Off / Collection Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These appear to include accounts that are obsolete or duplicated across creditors. I request TransUnion to verify, delete, or correct as appropriate. 

Inquiries Several inquiries may be duplicate or unauthorized. Please investigate and remove any that can not be verified. 

XXXX, multiple entries ( XX/XX/XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX I request verification of all late payments and correction or deletion if they are inaccurate or unverified. 

Summary Request to CFPB I am requesting the CFPBs assistance to ensure that all three credit bureaus : Conduct full reinvestigations under the FCRA ; Remove any obsolete, duplicated, or unverifiable accounts and inquiries ; and Provide updated credit reports reflecting any corrections made. 

I am actively working to repair and maintain my credit and appreciate the CFPBs support in ensuring fair and accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A collection account from your company has appeared on my credit report without any prior notification or communication from your office. This is the first I'm learning about this alleged debt, and I have significant concerns regarding its validity and accuracy. Under federal law, specifically the Fair Debt Collection Practices Act, I'm entitled to receive complete verification of any debt you're attempting to collect. I'm exercising my legal right to demand full documentation proving the legitimacy of this collection item and its associated details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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