vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: KS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
Transunion is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various Metro 2 reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-09-30 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: MI

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
A text was sent to me by Chime and I was told that my account was compromised and that they needed to close my previous account to set me up with a new account. The rep told me to move my savings money to my checking so they would not have to do this twice. Since I thought it was Chime, I did that. The rep also told me that I should get an email from them and I should resume from there. The call stopped abruptly with noone on the line. I checked my email and nothing was there. Call Chime and was told that they would need to start a dispute and that they would never call, text, or email a person 's account. I told them that I thought it was my bank that is why I did it. Well, my dispute was declined and I called again and ask why. I was told they did not get any evidence, so I told them I have a text I can show them and they opened up a new dispute. I was declined the dispute again and I asked why and they said they never receive anything. Once again they opened up the dispute and I sent the information. Well, I was declined again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a Capital One XXXX  XXXX, after confirming preapproval. I have a fraud alert on my credit report due to previous identity theft issue earlier this year. Because of this, it was not an instant approval and an email request came to me for me to upload a copy of my driver 's license. I uploaded the documentation the same day. This was an unexpired license, front and back. I confirmed the documentation was received and waited to hear back for further requests or a decision. On XX/XX/XXXX, I received a denial letter via email stating my identification could not be verified. The same day, I stopped in a Captial XXXX cafe and we contacted the Capital One fraud dept. They were unable to find any notes on why the documentation wasn't accepted. It was the end of the work day for the Corporate office on the XXXX XXXX and the ambassador advised me to call the office XX/XX/XXXX and ask to speak to a XXXX in credit applications for more information and to have the application re-opened as I was still in the XXXX  day appeal window. On XX/XX/XXXX, I called and the person I spoke with in credit applications stated my identification documents were in order and approved. When I told her my application was denied, she had no information about this, and again transferred me to fraud. XXXX again denied having any additional details and stated I could reapply but they couldn't tell me what went wrong or how to prevent the same outcome. I asked about re-opening as the ambassador had suggested, since it had only been 6 days since I applied and no real efforts to confirm my identity had been made. I was told that was not possible. There is no appeals process, so my credit just takes a hit for nothing. Based on these interactions, it is my firm belief I was denied on the basis of having a fraud alert on my credit report. The lack of proper handling to actually try to get clear documentation or make a real effort to verify my identity instead of dinging my credit with a hard inquiry at each bureau is punitive because I had a fraud alert versus being able to get auto-approved. Capital One 's practices are not transparent and simply a punishment to anyone who has experienced previous identity theft, which is a growing number in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

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 " XXXX XXXX XXXX XXXX XXXXXXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 : XXXX. XXXX. 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 2025-09-30 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:
I submitted a dispute regarding inaccurate information on my credit report over 30 days ago, but I have not received a response. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate and respond within 30 days of receiving a dispute. The failure to respond constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I request that the disputed items be fully investigated and corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XXXX they asked for the money the number they called from was a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account # XXXX Account # XXXX Account # XXXX Account XXXX Account XXXX Account XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. ) Pursuant to California Civil Code 1785.26, a creditor must provide written notice to the consumer prior to furnishing negative information to a consumer reporting agency. Please provide proof that such prior notice was given. If no proof can be provided, I request deletion of the negative information from my credit file.

2. ) Pursuant to 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ), the card issuer may not treat a payment as late for any purpose if the billing statement was not delivered at least 21 days before the payment due date.

3. ) Please provide documentation showing compliance with this requirement. If such d
ocumentation can not be provided, I request removal of the late-payment reporting and reversal of any related fees or charges Under FCRA 623 ( a ) ( 7 ), I request proof that a Notice of Negative Information was sent to me no later than 30 days after the information was first reported to a consumer reporting agency. If there is no evidence of such notice, please investigate and correct the reporting accordingly The delinquency reported for [ month/year ] did not reach the required XXXX threshold. I am providing bank statements and/or receipts showing that the payment was made within the correct time frame. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I request correction or deletion of this inaccurate reporting and require the furnisher to fulfill its duty of accuracy under FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account # XXXX Account # XXXX Account # XXXX Account XXXX Account XXXX Account XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. ) Pursuant to California Civil Code 1785.26, a creditor must provide written notice to the consumer prior to furnishing negative information to a consumer reporting agency. Please provide proof that such prior notice was given. If no proof can be provided, I request deletion of the negative information from my credit file.

2. ) Pursuant to 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ), the card issuer may not treat a payment as late for any purpose if the billing statement was not delivered at least 21 days before the payment due date.

3. ) Please provide documentation showing compliance with this requirement. If such d
ocumentation can not be provided, I request removal of the late-payment reporting and reversal of any related fees or charges Under FCRA 623 ( a ) ( 7 ), I request proof that a Notice of Negative Information was sent to me no later than 30 days after the information was first reported to a consumer reporting agency. If there is no evidence of such notice, please investigate and correct the reporting accordingly The delinquency reported for [ month/year ] did not reach the required XXXX threshold. I am providing bank statements and/or receipts showing that the payment was made within the correct time frame. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I request correction or deletion of this inaccurate reporting and require the furnisher to fulfill its duty of accuracy under FCRA 623.

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 2025-09-30 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 formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX  ] [ XX/XX/XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/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 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 disputing the reported late payment ( s ) on my account as the information is inaccurate. Under 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ), all information reported to credit bureaus must be complete and accurate. I request that you investigate this account, update the late payment remarks if the information is verified, or remove the late payment entirely if it can not be substantiated. Please provide documentation to validate the accuracy of this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt was charged off from XXXX XXXX to Porfilio Recovery in XXXX. They re-aged the debt as a new credit line and reaged the date of XX/XX/XXXX of XXXX. The original debt was around {$4700.00}. Based on the Fair Debt Collections Act this is an illegal reporting to the credit bureaus. I'm already struggling financially and this is a blow to my efforts to recover. 

They also call me multiple times a day every day along with text messages non stop. 

I've attached the screen shots from XXXX  The Collection Agency is Portfolio Recovery XXXX Original Account was XXXX  XXXX {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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