vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting multiple inaccurate and unauthorized items on my credit file, and my previous dispute was not handled properly. They are still showing wrong addresses XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX, even though I have never lived at either address. They are reporting late payments on accounts where I have never been late, including XXXX XXXXXXXX XXXX, XXXX XXXX, REGIONALAC XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These late payment histories are inaccurate and damaging my credit. 

My file also contains charge-off accounts that I have no knowledge of, including FSB BLAZE XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX, which do not belong to me. Equifax is also reporting a collection account from XXXX XXXX XXXX XXXX, which I do not recognize and did not authorize. These accounts are not mine, and Equifax has failed to properly verify them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
Equifax is reporting the XXXX account with the most severe and harmful inaccuracies. Equifax is the only bureau reporting this account as OPEN even though it is a charge-off, which is materially impossible and highly misleading. Equifax also reports the account as 120 days late, contradicting XXXX  and XXXX, which both report the account as a closed charge-off. Additionally, Equifax lists a completely different creditor type ( Auto Financing ), different dates of last activity, different reporting dates, and a different dispute status. These inconsistencies show that Equifax is providing inaccurate, inconsistent, and unverified information in violation of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, and the Furnisher Rule. I am requesting that Equifax provide full documentary verification or delete all unverifiable and inconsistent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint regarding inaccurate, outdated, and unverifiable information reported across all three major credit bureaus : TransUnion, Experian, and Equifax. My personal identifying information, including my legal name and addresses, is reported incorrectly, causing confusion and potential harm to my credit profile. Multiple charged-off accounts, including Capital XXXX, XXXX XXXX, XXXX, and Arkansas XXXX XXXX contain incorrect balances and potentially obsolete dates of first delinquency, violating the reporting limits under FCRA 605 ( a ) ( 4 ) and the obligation to report accurate information under 623 ( a ) ( 1 ) ( A ). My report also inaccurately lists a repossession from XXXX and XXXX accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and others, which XXXX be inaccurate, unverified, or beyond reporting periods. In addition, multiple hard inquiries from institutions such as Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX Choice, XXXX XXXX XXXX XXXX, XXXX Card, XXXX, and First National appear either unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ). These errors have caused financial stress, prevented access to credit on fair terms, and misrepresent my creditworthiness. I request that each bureau thoroughly reinvestigate all items, remove or correct any unverifiable, inaccurate, or outdated information, and provide verification of all corrections in writing.

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 2025-11-26 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:
I am extremely upset that the inaccurate late payments are still listed on my credit report. I refreshed the page over and over, yet they stay there as if nothing was fixed. I need the documents I submitted to be reviewed immediately and correctly so this nightmare can finally end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the Credit Reporting Agencies for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my Drivers License, The FTC Complaint, and a copy of the XX/XX/XXXX report showing my information being exposed in a national data breach and a Validation of Debt letter.

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 2025-11-26 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the Credit Reporting Agencies for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my Drivers License, The FTC Complaint, and a copy of the XX/XX/XXXX report showing my information being exposed in a national data breach and a Validation of Debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am submitting a complaint regarding Discover Financial Services for the unauthorized closure of my credit account, repeated misinformation, and the withholding of my funds. 

My Discover credit account was closed without my permission on XX/XX/XXXX, after several failed attempts to deliver my card. I never requested or authorized this closure. 

On XX/XX/XXXX, I contacted Discover and was toldon a recorded callthat a refund check would be issued and delivered within XXXX business days. This did not happen. 

On XX/XX/XXXX, after receiving no check and no communication, I called again and was given conflicting information. I was told the check had been expedited, which was not true. Representatives misinterpreted or misstated notes on my account and refused to provide clear timelines or documentation. 

I later learned the check was not mailed until XX/XX/XXXX, and even then, the timelines were inconsistent and unclear. My money was withheld far beyond what I was told, with no transparency and no accountability. 

Discovers actions include : Closing my credit account without my authorization Repeatedly providing inaccurate or misleading information Failing to send my refund check within the promised timeframe Withholding my funds without valid explanation Refusing to provide accurate documentation regarding dates and account actions This situation has caused financial inconvenience, stress, and a complete lack of trust in Discovers handling of my account. 

I am requesting the CFPB to investigate Discovers practices regarding : XXXX. Unauthorized account closures XXXX. Misinformation and contradictory customer service communications 3. Delayed and withheld refunds XXXX. Failure to document and communicate accurate timelines I would like my case reviewed and appropriate corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion XXXX XXXX Dear TransUnion Compliance XXXX, I am writing in reference to the letter I received from TransUnion acknowledging XXXX my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX. Mohela/DOFED / XXXX XXXX. Mohela/DOFED / XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX Bank/ XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA.

Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion XXXX XXXX XXXX I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding an unauthorized and unverified hard inquiry that remains on my credit report [ both Experian and Equifax ]. The reinvestigation period has passed, yet this inquiry has not been removed, nor has any proof of authorization or permissible purpose been provided.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 


XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
They said that a a transfer from another bank was frozen and the account from that bank was frozen. Which was not true because I've transferred from that outside bank numerous times with no issues. And I asked why are they blocking my access to my account with them ( Alliant )?

I have access to the outside bank and have transferred funds from that one bank that they, Alliant, claims to be the problem, to XXXX other banks with no issues. And once again I have questioned them why I do not have access to the funds in my account and why am I not being allowed to log into my Alliant Credit Union account. The answer is always that the XXXX business bank account that I'm transferring money from is frozen when it is obviously not froze or restricted. 
The lastest is that Alliant has requested documentation that I am the owner of the business and the business bank account. Which I have done. I have waited several days for an answer and I still have no login access to my personal account. Alliant is holding my funds in my personal account XXXX with no valid reason as to why they are doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: FL

Complaint narrative:
Nonstop calling verbal disputes ask them multiple times to stop calling. Cause after XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Every time i make transaction fee not over XXXX dollar fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/year> my checking account had been overdrawn {$680.00} for a returned provisional credit that was given to me. I provided sufficient evidence for my dispute. 

On XX/XX/year> I was then charged {$100.00} for an overdraft fee. 

In total my account is overdrawn {$770.00} which I cant afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I checked my credit report and noticed this fraudulent account on my report. Please remove This account from my report. This is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
They keep calling me and family members asking me to pay or else they will pull my assests and they have threatened my family members as well as saying I have time to pay before it goes on my credit and before they take meto court when I asked for person name and company info or an email with there information they said well we cant provide that so it seems your not willing to work with us and hung up on me and I called again to try and speak to someone else but it was the same guy that answered and he hung up on me again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a late payment that was reported to the credit bureau. This card is set on automatic draft. First she stated that the payment due date fell on a Sunday and this was why. I explained I had the card for XX/XX/XXXX years and this had never happened and asked to speak to a XXXX. He stated that it was not because the payment date was on a Sunday but because I had gone into my account and manually stopped the payment for that month. I told him I had not because the XXXX payment came out with the late fee and I had not done this. He stated they did not have the ability to change auto pay. I explained to him that I do not use the card it is only for emergencies only had a small balance and I would not have done this. He said they were not going to do anything about it. Now my credit score dropped XXXX points for some glitch in their system that they would not fix. I have not had any late payments in XX/XX/XXXX years and now I have XXXX that was not done by me. The problem is that I know it was on them because I got XXXX different stories and explanations from XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
XX/XX/year> They called meXX/XX/XXXX and asked me if I could pay. I told her that I lost my job XXXX years ago and Im waiting on my XXXX. They said well how do you pay for your day to day things. I told them that my husband left me and he pays for everything. Then she said well can you get your husband or your daughter to pay your debt. I told her that my daughter is XXXX and that they would have to wait on me to get my XXXX.

Company response to consumer: Closed with explanation