vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I am writing to dispute the accuracy of the following item on my Equifax credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) I demand a prompt and complete reinvestigation and correction or deletion of this entry.

Disputed account details ( as shown on my report ) : Creditor : US DEPARTMENT OF EDU Last reported : XX/XX/XXXX Reported balance : {$210.00} Last payment date : XX/XX/XXXX Account status : In Collections/ Open Type : Education loan Times 30/60/90+ days late : 0 / 0 / 10 Grounds for dispute : This account is inaccurate and/or unverifiable as reported. I do not recognize this account/ This account information is incomplete and the reported payment history is incorrect. I dispute the validity and accuracy of the account and demand that Equifax obtain and provide all documentation used to verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NRA Group, LLC
State: PA

Complaint narrative:
On XX/XX/year> National Recovery Agency now are reporting inaccurate information on my credit report which makes me the consumer look bad to to lenders. The inaccurate information is 1. date the account was open 2.the original creditor 3.the amount of debt owed 4. The SSN does not belong to me 5. The address does not belong to me 6. The medical treatment on the documents do not belong to me Ive Never Been to Texas for any treatment clearly this is an identity theft issue on my credit report Under law 15 USC 1681i Im asking National Recovery Agency to remove both fraudulent collections off my account and cease and desist from making false updates on my credit report ive done proper protocol to address this issue i am seeking relief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
his is a follow-up to a previous CFPB complaint ( # XXXX ) regarding an inaccurate debt collection by National Credit Systems ( NCS ) . The core issue remains unresolved. 

NCS is falsely reporting a rental debt of {$11000.00} that I do not owe, stemming from a lease at XXXX XXXX XXXX XXXX for a period I did not reside there ( approx. XXXX ). This appears to be the result of identity theft or a clerical error. My disputes and requests for validation have been ignored or met with inadequate, burdensome demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
From XX/XX/XXXX to XXXX, I was defrauded of over XXXX yuan by XXXX through Capital One 's XXXX and Check accounts. Since I filed multiple claims against the company without success, I waited until XX/XX/XXXX to report the fraud to Capital One. The bank then declared my account a risky one due to my XXXX XXXX investment, and they closed my checking and saving accounts. They also froze my assets. I am furious with the bank 's actions. Instead of investigating the fraudster, XXXX, they helped them deprive their own customers of their rights. I am deeply offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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 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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Ideal Recovery Services for an alleged debt with XXXX XXXX in the amount of {$13000.00}. 

I have never received any validation notice, signed contract, or billing statement proving that I owe this debt. I previously disputed this account directly with XX/XX/XXXX, and the company failed to provide proper documentation to verify the debt. 

Despite the lack of verification, XX/XX/XXXX continues to report the account as Unpaid, only adding the note Consumer Disputes This Account Information. This is not a resolution, as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) require deletion of unverifiable accounts. 

The same account has already been disputed and proven unverifiable with the other credit bureaus, yet XX/XX/XXXXkeeps it active. This is causing ongoing harm to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau review this issue and requireXX/XX/XXXX to delete the unverifiable collection account from my credit file and provide written confirmation of its removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MO

Complaint narrative:
I was completely shocked to discover that my credit report has been accessed without my consent, and multiple applications were made in my name without my knowledge or authorization. I do not recognize these fraudulent inquiries, nor have I applied to any of these companies. This situation is a serious violation of my consumer rights and has left me in disbelief and frustration. As a law-abiding citizen, I find it unacceptable that my personal information could be misused in such a way.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-10-16 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: MD

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WA

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 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 2025-10-16 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: WA

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for reporting an alleged collection account that has not been validated after multiple requests over 60 days ago. 
The account contains inconsistent dates of last activity and duplicate entries ( appearing both as a collection and charge-off ), which violates FCRA 623 ( a ) and Metro-2 factual accuracy rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses.

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay.

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I want to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fall short of the required standard of maximum possible accuracy. These errors have caused significant and ongoing harm, both emotionally and financially.

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 2025-10-16 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: AZ

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 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 2025-10-16 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: AZ

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 2025-10-16 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: OR

Complaint narrative:
On XX/XX/year>, my Citi card was charged {$240.00} by XXXX On XX/XX/year>, XXXX XXXX charged {$310.00} for a vehicle rental at XXXX XXXX. Within 24 hours, the vehicle developed severe XXXX XXXX  and was declared XXXX  and undrivable by the merchants own roadside technician. Despite repeated calls, XXXX XXXX was unreachable, forcing me to rent a replacement car and incur additional expenses. 
I previously filed a CFPB complaint that Citi denied, claiming the merchants refused credits. However, I have since reviewed Citis own Cardmember Agreement, which adopts the Fair Credit Billing Act ( 15 U.S.C. 1666 ). It explicitly states that a cardholder may not have to pay for unsatisfactory goods or services when a good-faith effort to resolve with the merchant fails. Both conditions are clearly met : XXXX vehicle failed within 24 hours, and XXXX XXXX car was confirmed unsafe by their own technician. 
The agreement language is unambiguous : If you are dissatisfied with goods or services purchased with your card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on them. 
Given I have been a Citi cardholder for nearly XXXX  years, averaging almost {$200000.00} in annual spend, it is petty and reprehensible for Citi to deny protection in a situation where a vehicle carrying my XXXX child was unsafe. 
I have attached Citis Cardmember Agreement ( personal AAdvantage version ) as evidence. I specifically requested Citi provide the Business AAdvantage World Elite Mastercard agreement that governs my account, but Citi has not done so. The personal agreement which Citi uses as a standard explicitly incorporates the Fair Credit Billing Act and confirms that cardholders may not have to pay for unsatisfactory goods or services after a good-faith effort with the merchant. Unless Citi can show that its business agreement affirmatively removes these protections ( which would be highly unusual and unfair ), these same obligations apply here. 
I have also re-attached all evidence from my prior CFPB complaint, now reorganized and labeled, so that both CFPB and Citi have a complete, clear record in one place.

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 2025-10-16 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-16 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I submitted letters to Transunion and Experian to review my profile and remove old and inaccurate information from my credit report. 

The letters stated that I was sending them the request directly and wanted a clear, written response to be mailed to my current address, which I provided to Transunion and Experian. 

On XX/XX/XXXX, Experian responded through email, a mode of communication that I did not request, stating that they did not believe that I was the one requesting the review, despite sending the letter via certified mail. Experian advised me to call in to their customer service line in order to confirm that I was the sender of the letter. 

On XX/XX/XXXX, I made multiple attempts to contact an Experian and a Transunion representative through the provided phone number and was blocked from any pathway of speaking with a representative by an AI automated system. Every request to speak to a representative or contact a department to discuss the letters was blocked and the automated system would state that I could not be helped and would disconnect the call. I made five separate attempts to establish contact and was unsuccessful due to the company 's evasive tactics. 

My letter states after 14 days of confirmation of the receipt of my letter, which fell on XX/XX/XXXX, I would pursue legal escalation if there was no attempt from Experian to contact me via the requested method with confirmation that my request was being handled and both Experian and Transunion have failed to do so. 

I have attached the letters signifying my request and confirmation that I was indeed the requester.

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