vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NM

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: NM

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: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: CORELOGIC INC
State: WI

Complaint narrative:
Online Dispute Cover Note ( for XXXX XXXX XXXX ) Subject : Request for Removal of Inaccurate Bankruptcy Entries I am submitting a formal dispute regarding inaccurate bankruptcy entries on my credit report. These entries relate to : A XXXX  XXXX bankruptcy filed in XXXX in the XXXX XXXX XXXX XXXX  A XXXX  XXXX bankruptcy filed in XXXX in the XXXX XXXX XXXX XXXX  Both courts have publicly stated they do not report information to credit bureaus. I am requesting that these entries be investigated and removed, and that the source of this reporting be identified. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-10-28 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: TX

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 identity 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 4 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 completeandaccurate.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding my Avant credit card account. Beginning in early 2024, I started noticing a recurring {$8.00} monthly fee on my statements that was never part of my original agreement when I opened the card. I did not receive any prior notice of a fee change, nor did I consent to any new terms. 

When I contacted customer service, I was told that the {$8.00} charge was part of new terms, but no written notification or disclosure was ever provided to me. This feels deceptive and unfair, as I would not have continued using the card had I known these charges would apply. 

I am requesting that Advant refund all {$8.00} monthly fees charged since they began in early 2024, remove the fee going forward, and provide documentation showing when and how these new terms were disclosed to cardholders. 

I am submitting this complaint because I believe these charges violate fair billing and disclosure requirements, and I have not been able to resolve the issue directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After many complains that I did to citi bank about fraud, they keeping refusing to refund the money the was wire from a third part, from my savings to the my checking XXXX and from my checking to the thief account using my information as a citi bank false link. I called when the transaction still pending and as we know wire transfer to different banks can take until XXXX business day. So they could stopped! I am XXXX, has XXXXXX/XX/XXXX and I face some mental problems. I called several times but the answer is always denied saying that there is not money to the person account to refunded. They took so long to take care the problem, treating me as nobody. That when the citi bank try to take some action against XXXX bank, it was too late! T I am been cliente over XX/XX/XXXX years. I need this money back.I WANT THE MONEY BACK TO MY ACCOUNT XXXX DOLLARS TAKEN XXXX OF XX/XX/year>2024.

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) is attempting to collect on several charged-off credit-card accounts allegedly purchased from XXXX XXXX XXXX XXXX I mailed a certified Debt-Validation and Verification Demand on XX/XX/year>, which was received by PRA on XX/XX/year>. The demand required proof of ownership, assignment, and chain of title, including any 1099-A or 1099-C filings, CUSIP identification, and a certified signed copy of the original note. 

On or about XX/XX/year>, PRA mailed a generic validation response that failed to include any individualized or verifiable proof of ownership. The materials consisted only of a form letter and a generic bill of sale referencing a pool of charged-off accounts. No signed contract, certified assignment, or affidavit of ownership was provided. 

The thirty-day statutory period for proper validation expires XX/XX/year>, and PRA has not produced lawful verification as required by 15 U.S.C. 1692g ( b ). Despite the lack of validation, PRA and its counsel ( XXXX XXXX XXXX XXXX XXXX ) continued collection activity and obtained a bank levy through XXXX XXXX, resulting in XXXX of exempt payroll and XXXX  rebate funds. 

I request that the Consumer Financial Protection Bureau investigate PRAs violations, require the company to cease collection, and direct the immediate release of all funds seized without lawful validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, I opened an installment account. At some point, the account was charged off by the creditor, even though no late payments were reported. The account is now showing a {$0.00} balance. I am requesting that the reporting company verify the accuracy of this charge-off, as it may be negatively affecting my credit report. I am asking for correction or removal if any information is found to be inaccurate. 
Key details : Account opened : XX/XX/year> Account type : Installment loan Current balance : {$0.00} Status : Charge-off reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting a review of these reported late payments, and if verification can not be provided, they should be updated or deleted accordingly.

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: TrueAccord Corp.
State: FL

Complaint narrative:
My XXXX XXXX credit report shows a debt collection from True Accord Corp for {$190.00}. On XXXX occasions I have requested proof of debt : my signature, application, or drivers license. They failed to send anything. XXXX XXXX has failed to remove a debt that is not mine.

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: MO

Complaint narrative:
I am submitting this complaint because several creditors continue to report inaccurate or unverified information to all three credit bureaus TransUnion, Equifax, and Experian despite multiple written disputes and requests for validation. 

The creditors XXXX XXXXeXX/XX/XXXX , andXX/XX/XXXX have failed to provide any legitimate documentation or proof of ownership for the accounts in question.

The credit bureaus have responded only with verified or updated notices without providing any supporting documentation, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ).

I am requesting that the CFPB open a formal investigation into these creditors and credit bureaus for failure to comply with federal consumer protection laws and ensure the immediate deletion of any unverifiable accounts.

Supporting documents, including prior dispute letters and bureau responses, are attached.

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: NM

Complaint narrative:
I am filing this formal complaint against several furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. These items are causing severe harm to my creditworthiness and financial stability. Despite multiple attempts to have these accounts investigated and verified, they remain on my report without any proper documentation or validation. 

Below are the disputed accounts that appear on my credit file : XXXXXXXX XXXX XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$4700.00} | Charge Off XXXX XXXX ( Acct : XXXX XXXX Opened XX/XX/XXXX | High Balance : {$13000.00} | Charge Off XXXX ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$9100.00} | Collection XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$2800.00} | Collection XXXX XXXX XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$1000.00} | Collection XXXX XXXX XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$620.00} | Collection XXXX ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$1100.00} | Collection XXXX  XXXX ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$810.00} | Collection XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$590.00} | Collection XXXX  ( Acct : XXXX ) Opened XX/XX/XXXX | High Balance : {$290.00} | Collection Additionally, there are multiple hard inquiries on my report that I did not authorize and have no permissible purpose under the Fair Credit Reporting Act ( FCRA ) 604. These include : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries appear to be either inaccurately reported, not validated, or added without my explicit consent. The furnishers have failed to provide proper documentation or proof of contractual agreement, which is required under FCRA 611 and 623. 

I am requesting the CFPB to open an immediate investigation into these furnishers and credit reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am seeking : Removal of all unverified and inaccurate accounts and inquiries. 

Written confirmation of the corrective action taken. 

Enforcement of compliance against entities that have failed to properly verify the reported information. 

Please consider this a formal and urgent complaint requiring immediate review and enforcement. 

Thank you for your attention to this matter.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Capital Solutions
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 FairDebt Collection Practices Act, 15 USC XXXX Sec. XXXX ( 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 Titleand 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 XXXX major Credit Bureaus XXXXXX/XX/XXXX or XX/XX/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: Untimely response
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: IL

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 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: Experian Information Solutions Inc.
State: IL

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: 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 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