vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, unauthorized, and unverifiable information reported on my credit report. This includes incorrect addresses, collections, charge-offs, and unauthorized inquiries. Reporting inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain maximum possible accuracy.

Accounts/ Collections/ Charge-Offs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$810.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. Reporting this as a collection is false, unverifiable, and violates FCRA 15 U.S.C. 1681i. I demand deletion. Continued reporting of this item is harmful, inaccurate, and illegal. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Chargeoff I have never authorized this account. It is incorrectly reported as a chargeoff, causing undue damage to my creditworthiness. Immediate deletion is required.

Unauthorized / Inaccurate Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA 604 ( a ) and constitutes an unauthorized hard inquiry. Remove immediately to prevent further credit harm.

1. Immediate investigation of all listed items.

2. Deletion or correction of unverifiable, duplicate, or fraudulent accounts.

3. Removal of all inaccurate addresses.

4. Removal of all unauthorized inquiries.

5. Written confirmation of the investigation and corrections made.

Failure to comply will leave me with no choice but to pursue legal action under FCRA and related federal laws. I demand prompt resolution and full compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My family and I made our first purchase on XXXX. We compared the rates for 2 adults and 2 children on your website and the direct website and they were comparable. After going through with the purchase, we find out that due to some sort of IT glitch, it only listed 2 adults on the reservation and we were charged an additional {$750.00} at the hotel to add our 2 children. 

I've spoken to reps at XXXX who understood the issue and agreed that this should not have happened. Your IT team confirmed the error but still put blame on me even though the website was not straight forward. I do have a video as an example but it is too large to upload.

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 monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: VA

Complaint narrative:
Atlantic Recovery Solutions has been harassing about a debt from over 4 years ago and the debt they are trying to collect isn't from the original creditor. They have called and texted me over 10 times in the past week and when I spoke to the person handling the account, he threatened to sue me if I didn't pay the balance on the account. When I didn't give him the answer he wanted, he hung up on me. I am getting constant robocalls from them and I want it to stop. When I spoke to another representative today, I told him to cease and desist all calls, but he also said the company would sue me for the balance. I told them repeatedly that I would not talk to them about the debt since I never did business with their company, but they are still saying they will file suit for the balance.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Immediate Demand for Blocking of Inaccurate Information Resulting from Identity Theft Pursuant to FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ) This complaint is filed against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit reports, which I believe is a direct result of my personal information being compromised in the XXXX Equifax data XXXX. I am a confirmed victim of this breach and have screenshot proof of my status as a class member. 

Under FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt of : XXXX. Appropriate proof of the identity of the consumer ; XXXX. Proof of membership in data breach class XXXX. The identification of such information by the consumer ; and XXXX. A statement by consumer that the information is not information relating to any transaction by the consumer The following accounts are disputed as potentially fraudulent and must be blocked and deleted immediately : Accounts : XXXX XXXX XXXX : XXXX ( Equifax ), XXXX ( TransUnion ), XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Equifax ), XXXXXXXX ( TransUnion ) XXXX XXXX XXXX XXXX  Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX  XXXXXXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX XXXX XXXX : XXXX ( Equifax, TransUnion ) XXXX XXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) Delinquent Accounts with Account Numbers XXXX XXXX  : XXXXXXXXXXXX ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  : XXXX ( TransUnion ), XXXX ( Experian ) XXXX 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 Incorrect Personal Information : Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone Numbers : All phone numbers on my credit report are incorrect and must be deleted. 

XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX 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 2025-12-01 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: SC

Complaint narrative:
Subject : Immediate Demand for Blocking of Inaccurate Information Resulting from Identity Theft Pursuant to FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ) This complaint is filed against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit reports, which I believe is a direct result of my personal information being compromised in the XXXX Equifax data XXXX. I am a confirmed victim of this breach and have screenshot proof of my status as a class member. 

Under FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt of : XXXX. Appropriate proof of the identity of the consumer ; XXXX. Proof of membership in data breach class XXXX. The identification of such information by the consumer ; and XXXX. A statement by consumer that the information is not information relating to any transaction by the consumer The following accounts are disputed as potentially fraudulent and must be blocked and deleted immediately : Accounts : XXXX XXXX XXXX : XXXX ( Equifax ), XXXX ( TransUnion ), XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Equifax ), XXXXXXXX ( TransUnion ) XXXX XXXX XXXX XXXX  Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX  XXXXXXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX XXXX XXXX : XXXX ( Equifax, TransUnion ) XXXX XXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) Delinquent Accounts with Account Numbers XXXX XXXX  : XXXXXXXXXXXX ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  : XXXX ( TransUnion ), XXXX ( Experian ) XXXX 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 Incorrect Personal Information : Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone Numbers : All phone numbers on my credit report are incorrect and must be deleted. 

XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Please be advised that I am contemplating filing for a XXXX XXXX XXXX petition. I am indebted to Capital One in excess of {$14000.00} and counting my additional credit card debts I am nearly {$55000.00} in debt. Accordingly, I am placing your company on notice that I can no longer afford to make my monthly payments, understanding that eventually your company will have to charge off these three credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because unauthorized hard inquiries were made on my credit report by XXXX  XXXX XX/XX/year> and XXXX XX/XX/year>. These inquiries were made without my consent or a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), which requires consumer reporting agencies to ensure that inquiries are made with proper authorization. I did not authorize these companies to pull my credit, and they do not have a permissible purpose under the law to access my credit report. I am requesting that these unauthorized inquiries be immediately removed from my credit report, and I am seeking a resolution to prevent further violations of my rights under the FCRA. I ask that the CFPB intervene and assist in ensuring that my credit information is handled properly and that the inquiries are deleted. Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

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 2025-12-01 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 Sir/Madam, I am submitting this dispute to address inaccuracies on my credit report. Below are the accounts I am disputing, separated by bureau, and the details of the disputed items. 

CHARGED OFF XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT XXXX  XXXX Account Number : 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The company has failed several attempts to verify debt claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
In XX/XX/year>, I made my scheduled auto loan payment of {$420.00} on my Huntington National Bank auto loan ending in XXXX. The payment left my bank account and cleared successfully, and the funds were never returned to me. However, Huntington did not credit this payment to my loan.

Because Huntington failed to credit the XX/XX/year> payment, their system incorrectly treated my account as delinquent. This error caused a chain reaction of inaccurate delinquency reporting in the months following XX/XX/year>. 

As a result of this internal error, my vehicle was wrongfully repossessed on XXXX. To recover my vehicle, I was required to pay {$2000.00} to Huntington to reinstate the loan, as well as {$110.00} to the repossession lot. These charges would not have occurred if Huntington had properly credited the XXXX payment. 

I attempted to resolve this issue with Huntington directly on several occasions. I asked for a corrected payment ledger, an explanation for the missing XXXX payment, and documentation supporting the delinquency. Instead of providing information, a Huntington representative told me that the bank does not do credit reporting corrections, which prevented me from resolving the issue. 

Additionally, when I contacted Huntingtons repossession department, an agent named XXXX informed me that I could not file a dispute because my XXXX XXXX reinstatement payment was still processing. This is not accurate, and it prevented me from submitting a required dispute under FCRA, FCBA, and EFTA. Huntington has not provided any of the information I requested, did not credit a valid payment that cleared my account, and would not allow me to submit a dispute even when I asked directly.

Because Huntington did not credit a valid payment, incorrectly reported my account as delinquent, blocked me from submitting a dispute, and repossessed my vehicle based on those errors, I suffered significant financial harm and damage to my credit. I am requesting that Huntington : Correct the misapplied XX/XX/year> payment Remove all inaccurate delinquency reporting Remove any repossession-related coding from my loan and credit reports Reimburse the {$2000.00} paid to Huntington and {$110.00} paid to the repo lot Provide a corrected and complete payment ledger Confirm in writing that all corrections have been submitted to the credit bureaus I am attaching evidence, including the banks ACH verification letter, the bank statement showing the XXXX payment clearing, repossession payment receipts, and documentation of my attempts to resolve this with Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an inquiry listed on my credit report. Below are the details of the inquiry that I am disputing : INQUIRIES Experian ( XXXX ) XXXX XXXX Date of Inquiry : XX/XX/year>

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