vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The vendor called XXXX committed theft and fraud by taking full payment in advance for a nearly three week long car rental. Upon my arrival at the time and place of reservation, however, they refused to give me a car or a refund in direct violation of the Terms of Service and California law, which governs the transaction. My credit card company Citibank refused to reverse the charge despite many phone calls. Citibank also only reached out to XXXX for a written explanation. Upon receiving XXXX ' explanation, Citibank or Mastercard promptly ruled the dispute in favor of XXXX without first showing me XXXX ' response or giving me an opportunity to respond. I am entitled to a full refund or credit of {$500.00}.

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 2025-10-13 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:
am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from Equifax 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I was told in person my credit will go down and that they are going to make sure of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-13 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: TX

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-13 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: LA

Complaint narrative:
Block and delete these items as soon as possible.

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 2025-10-14 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX Subject : Request for Debt Validation Dear Velocity Investments , LLC, I recently received a notice from your company regarding a debt you are attempting to collect. You contacted me by [ phone/mail ] on [ date ] and identified the debt as [ any information provided about the debt ]. 
Before I discuss or take any action on this debt, I am requesting validation of the debt as required by the Fair Debt Collection Practices Act. Please provide : The name and address of the original creditor, account number, and the amount owed when it was transferred. 
Documentation showing that I am legally obligated to pay this debt, such as a copy of the original agreement. 
A breakdown of the current balance, including any interest, fees, or charges added since the original creditors last statement. 
Records of all payments made on this account, and the date of the last payment. 
Confirmation of whether the debt is within the statute of limitations and the basis for that determination. 
If your company requires a debt collection license in my state, provide the license number and issuing agency. 
Until I receive this information, I consider this debt to be in dispute. Please provide the requested documents in writing and cease all collection activities until you have responded. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am filing this complaint to formally dispute and request immediate investigation into multiple inaccurate and harmful items being reported on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These accounts and inquiries are not accurate, complete, or verifiable as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Below is a list of the disputed accounts and inquiries : XXXX XXXX Account # XXXX | High Balance {$210000.00} | Opened : XX/XX/XXXX | Late Payment XXXX Account # XXXX | High Balance {$660.00} | Opened : XX/XX/XXXX | Charge Off XXXX Account # XXXX | High Balance {$830.00} | Opened : XX/XX/XXXX | Late Payment XXXX Account # XXXX | High Balance {$570.00} | Opened : XX/XX/XXXX | Charge Off XXXX  Account # XXXX | High Balance {$830.00} | Opened : XX/XX/XXXX | Late Payment XXXX Account # XXXX | High Balance {$180.00} | Opened : XX/XX/XXXX | Charge Off XXXX XXXX Account # XXXX | High Balance {$1100.00} | Opened : XX/XX/XXXX | Late Payment XXXX XXXX Account # XXXX | High Balance {$1000.00} | Opened : XX/XX/XXXX | Late Payment XXXXXXXX XXXX Account # XXXX | High Balance {$570.00} | Opened : XX/XX/XXXX | Collection XXXX Account # XXXX | High Balance {$89.00} | Opened : XX/XX/XXXX | Collection Inquiries ( unauthorized and/or questionable ) : 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 Reasons for Complaint : Unverified & Inaccurate Reporting : Many of these accounts are being reported inaccurately with wrong dates, balances, or statuses. Some show duplicates ( e.g., XXXX and XXXX XXXX reporting the same alleged debt XXXX 

Improper Collection Practices : Accounts like XXXX XXXX and Sequiom are reporting collections without providing validation of the debt as required under the FDCPA, 15 U.S.C. 1692g.

Unauthorized & Excessive Hard Inquiries : Several inquiries appear without my authorization. These unauthorized pulls are damaging my creditworthiness and violate FCRA 604.

Failure of Furnishers to Meet FCRA Obligations : These furnishers are reporting incomplete, outdated, and inaccurate information without proper verification.

Requested Resolution : Immediately investigate these accounts and inquiries.

Require the furnishers to provide proper documentation and verification of each account.

Delete any and all accounts or inquiries that can not be fully verified with original documentation.

Ensure compliance with FCRA 611 ( Dispute Process ) and FDCPA 809 ( Debt Validation ).

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 2025-10-13 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: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have American Express Gift Cards totaling {$13000.00}, all with a " Valid Thru '' date of XX/XX/XXXX. I tried to use one of the cards on XX/XX/XXXX and it was declined. I contacted American Express on XX/XX/XXXX and they said that since the cards had not been used " in a while '' they had been declared " unclaimed property '' and were now held by the " State ''. I explained that they had been given to me as a gift, that I had no idea what State they had been purchased in, that there was no reason American Express or the State would have any contact information on me since these were given as a gift and not purchased by me, nor did I know what State might now have this as unclaimed property. They said they could not help me. I check my State 's unclaimed property website ( XXXX  ), but neither the funds nor any reference to these cards there. I called American Express again on XX/XX/XXXX and got the same answer, elevated this to a supervisor who gave me the same answer again. To summarize : 1. I have cards with a XX/XX/XXXX expiration date 2. American Express declared the balance due to me as unclaimed property 3. They have no record of where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Block and delete these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Block and delete these items as soon as possible.

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 2025-10-13 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: NJ

Complaint narrative:
There is an inquiry from XXXX XXXX XXXX. It is fraudulent/ incorrect information. Please remove this asap

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 2025-10-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is an inquiry from XXXX XXXX XXXX. It is fraudulent/ incorrect information. Please remove this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a XXXX XXXX XXXX XXXX, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a XXXX XXXX XXXX XXXX, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year> 2025

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