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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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

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 — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/year> XXXX : XXXXXXXX XXXX XXXX XXXX  I called into to bank to file a dispute on double charge. I completed the voice recognition feature I placed on account due to this not being the first encounter with such discrimination. Once I got to agent the agent asked to speak with XXXX as if she didnt believe I was a woman. I then explained I have voice tool on account and it has been on file for months. She then explained I had to go bank to have them notate my account I sound manly after I jokingly suggested is that what I need to do to avoid such encounter. I asked for manager after she referred me to branch. The manager got on the line and the first comment he stated was that he indeed thought I was a male. He did not want to help and then instructed me to go to branch and let them know my voice is manly and does not sound like woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update and correct my personal identifying information and investigate the following inaccurate account on my credit report. 
Correct Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Former Employers : XXXX XXXX, XXXX Disputed Account : XXXX XXXX Acct # XXXX This account is listed as charged-off yet continues to show a balance and past-due amount, violating 1681e ( b ). Please conduct a reinvestigation under 1681i ( a ) ( 1 ) ( A ) and delete or correct the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint and Dispute Under 15 U.S.C. 1692 Fair Debt Collection Practices Act Violation To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX  Dear Consumer Financial Protection Bureau , I am submitting this complaint and dispute regarding a debt collection matter that I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. 

A debt collector, XXXX XXXX XXXX account number ( XXXX ) phone XXXX has engaged in conduct that appears to be abusive, deceptive, or otherwise unlawful under the FDCPA. Specifically : The collector failed to provide written validation of the alleged debt after I requested it under 15 U.S.C. 1692g.

I was contacted repeatedly and harassed, which violates 15 U.S.C. 1692d.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure this collector complies with federal law. I also request confirmation that this complaint has been received and that a case has been opened for review. 

Thank you for your time and attention to this matter. Please contact me if additional information is needed. 

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
They saying I owe XXXX which is false my judgement say XXXX! They have not provided me with black and white documents of this debt they saying I owe.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were neither opened nor authorized by me and appear fraudulent. I formally request that they be expeditiously deleted from my credit history and subjected to a proper investigation. Documentation is 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 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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company 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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within XXXX ( XXXX ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX XXXX  - XXXX, XXXX XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure Equifax complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  XXXX bank card services I reached out several times about this issue to be resolved, after investigating and researching information came back that all my personal information was leaked into the Data breach of these accounts and personal private information that I want obtain for my own records. Its no way that you continue to have data breaches and consumers information is being stolen, lost in the system, and sold without ones permission. against the law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX bank card services I reached out several times about this issue to be resolved, after investigating and researching information came back that all my personal information was leaked into the XXXX breach of these accounts and personal private information that I want obtain for my own records. Its no way that you continue to have data breaches and consumers information is being stolen, lost in the system, and sold without ones permission. against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Someone opened up a credit card in my name years ago. I have disputed this debt and they took it off but then sold it to a XXXX party company that is trying to collect on this debt.

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 filing this complaint against Experian, Equifax, and TransUnion for continuing to report a XXXX XXXX XXXX XXXX tradeline that is unverified, inaccurate, and legally insufficient under the Fair Credit Reporting Act. 

After multiple disputes, the furnisher responded with nothing more than generic boilerplate letters and a glance report, which does not constitute legal verification. They failed to provide : Any original signed contract or agreement ; Any chain of title or assignment proving legal ownership of the account ; Any actual documentation tying me to this alleged debt. 

This does not meet the standard of a reasonable investigation required under FCRA 611 ( a ) and violates the bureaus duty under FCRA 607 ( b ) to ensure maximum possible accuracy. 

Worse, this tradeline was previously disputed and should have been removed. Its reinsertion was done without proper notice under FCRA 611 ( a ) ( 5 ) ( B ) which is a direct violation of federal law. 

By accepting XXXX XXXX flimsy verification, the bureaus are publishing unverified, inaccurate, and incomplete information. This is reckless and unlawful. You are not allowed to rely on unverified junk to keep damaging a consumers credit file. 

Their evidence is a mockery of the law a recycled template with no legal weight. This is not verification ; this is compliance theater.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report a XXXX XXXX XXXX XXXX tradeline that is unverified, inaccurate, and legally insufficient under the Fair Credit Reporting Act. 

After multiple disputes, the furnisher responded with nothing more than generic boilerplate letters and a glance report, which does not constitute legal verification. They failed to provide : Any original signed contract or agreement ; Any chain of title or assignment proving legal ownership of the account ; Any actual documentation tying me to this alleged debt. 

This does not meet the standard of a reasonable investigation required under FCRA 611 ( a ) and violates the bureaus duty under FCRA 607 ( b ) to ensure maximum possible accuracy. 

Worse, this tradeline was previously disputed and should have been removed. Its reinsertion was done without proper notice under FCRA 611 ( a ) ( 5 ) ( B ) which is a direct violation of federal law. 

By accepting XXXX XXXX flimsy verification, the bureaus are publishing unverified, inaccurate, and incomplete information. This is reckless and unlawful. You are not allowed to rely on unverified junk to keep damaging a consumers credit file. 

Their evidence is a mockery of the law a recycled template with no legal weight. This is not verification ; this is compliance theater.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
I am XXXX XXXX XXXXXXXX XXXXXXXX. It was determined in XXXX of XXXX. I immediately filed for loan discharge. It was denied. I reapplied this year in XX/XX/XXXX. It says that I would receive a reply in 45 days. I still have no discharge. I have called countless times with no success. They say its backed logged and they cant give me an approximate time. Meanwhile, I am receiving emails and bills in the mail asking for {$860.00}! I applied for forbearance and now the it has expired and they sent me another bill asking for {$860.00}! I applied for forbearance again and it was denied. I contacted the Dept of Education only to find out that this other services should NOT be collecting payments while my account is under discharge review. I spoke to a customer service representative from the Dept of Education and she assured me that they would contact the other servicer and get this confusion resolved. I am still waiting. I do not know what to do. I am totally and permanently XXXX per the SSA. I have given the Dept of Education everything necessary to discharge these loans and I am still being harassed for payments and they are due on XXXX XXXX. I am on a very serious budget and simply can not pay that amount. Now this missed payment could fall on my credit and destroy my lifelong hardworking of making sure to pay on time. There is nothing additionally necessary for the Dept of Education to help in determining discharge. My documents clearly supply the needed information that would resolve this very important and urgent matter. I am asking for your help and assistance in this matter so as to prevent further harassing bills phone calls etc. I am also trying my best to keep this issue contained in the hopes that my personal credit doesnt get destroyed. Youre my last resort for this matter. I simply can not understand why this discharge is being so complicated. This is a very clear and valid application with no discrepancies whatsoever. If there is any way that you can help get this resolved and help my XXXX  worry and despair. Many thanks!

Company response to consumer: Untimely response