vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute several inaccuracies on my credit report. Below is a list of accounts that I believe have been reported inaccurately. Please investigate and rectify the issues. The details are separated by each credit bureau for clarity.. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : I believe this account has been inaccurately reported as charged off. I request that this be investigated and corrected. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : This account appears to be incorrectly listed as charged off. Please review and correct this information. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Issue : I do not recognize this inquiry. Please verify its accuracy. 

XXXX XXXX Date : XX/XX/XXXX Issue : Duplicate inquiry; please correct this. 

XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the legitimacy of this inquiry. 

Late Payments : XXXX Account XXXX : XXXX Issue : The reported late payment is inaccurate. I request a review of this entry. 

XXXX Account Number : XXXX Issue : There is an error in reporting this late payment. Please investigate. 

XXXX Account Number : XXXX Issue : This late payment is incorrect. Kindly verify the accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized hard credit inquiries appearing on my TransUnion and Equifax reports. I did not initiate a credit transaction or provide written authorization to the companies listed below. Under 15 U.S.C. 1681b ( a ), a consumer report may be furnished only for limited permissible purposes ; 1681b ( f ) prohibits obtaining/using a report without a permissible purpose. CRAs must maintain reasonable procedures and obtain certifications to ensure reports are furnished only for permissible purposes ( 15 U.S.C. 1681e ( a ) ). I disputed these inquiries with the bureaus and requested deletion under 15 U.S.C. 1681i ( reasonable reinvestigation within 30 days ; delete if inaccurate/unverifiable ; provide results and method of verification, with the MOV due within 15 days upon request ). I also requested the identification of each person who procured my reports in the last year ( two years for employment ) per 15 U.S.C. 1681g ( a ) ( 3 ). If any inquiry stems from identity theft, I request a block under 15 U.S.C. 1681c2 ( block within 4 business days upon receipt of identity theft report and ID ). 

Disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 requesting a review of the accounts and inquiries listed below as they appear on my Equifax credit report. I believe certain discrepancies may exist, and I kindly ask that you investigate and correct any errors or inaccuracies. 

Charged Off Accounts Account Name XXXX XXXX XXXXccount Number : XXXX Account Date : XXXX Balance : {$590.00} Dispute Reason : This account reflects a balance of {$590.00}, and I believe there XXXX be discrepancies in how it was reported. Please verify the accuracy of this balance and update accordingly. 

Late Payments XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXccount Number XXXX XXXXXXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX  Account Number XXXX XXXXXXXX XXXX  Account Number : XXXX Dispute Reason : These late payments appear to be incorrect or misreported. I ask Equifax to review the accounts in question and make the necessary co

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: KS

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( 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 2025-11-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MN

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 2025-11-12 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-12 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: MD

Complaint narrative:
I am writing to dispute the following items on my credit report, as I believe they contain inaccuracies. Please review the details for each bureau below and provide a resolution. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I looked up my credit report nd seen this company on my credit file reached out and demanded documentation of the original chain of title, assignment, and original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
I called to get balance on the car and was told that it is not a valid card. I have never used the card. I received the card for doing business with a payday loan company and now I cant get the funds. I called the number on the card and tried to access the information online but it no longer exists. It was insight mobile banking. Com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. Below are the accounts I am disputing, categorized by the credit bureau. The accounts listed may contain errors in reporting, which I believe may violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please find the details of the disputed items below : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Discrepancy : This account is inaccurately reported as charged-off. 

XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Inquiries : TransUnion ( XXXX ) : XXXX XXXX  XXXX of Inquiry : XX/XX/XXXX Discrepancy : Inquiry not authorized or inaccurately reported. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : TransUnion ( XXXX ) : XXXX XXXX XXXX Account XXXX : XXXX Discrepancy : Late payment inaccurately reported. 

XXXX XXXX Account Number : XXXX Discrepancy : Late payment inaccurately reported.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
DEAR XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA XXXX ( b ) and XXXX ( b ) as well as FDCPA XXXX ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Chrysalis Holdings LLC
State: AL

Complaint narrative:
I receive unsolicited phone calls daily from newday usa. Sometimes more than once a day. I didn't attempt to get a loan through them yet they have my information keep calling about me refinancing with them. I've declined several times, asked for the calls to stop, and blocked numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary of issue : On XX/XX/year>, I made XXXX payments to my Citi account ( {$2100.00} and {$1500.00} ). I had recently been approved for a {$4000.00} loan XXXX XXXX XXXX  APR but did not use the full amount. I also have other Citi loans at 1.99 % and 0 % interest. I was explicitly told by an online Citi representative that any payments beyond the minimum amount would be applied to the highest-interest loan. Instead, Citi applied my extra payments to the 1.99 % and 0 % loans, leaving the 8.99 % balance largely untouched. 

Legal concern : Under the Truth in Lending Act ( TILA ) and Regulation Z ( XXXX C.F.R. XXXX ), when a borrower makes a payment in excess of the required minimum, a card issuer must apply the excess amount to the balance with the highest interest rate. Citis allocation of my payment to lower-interest loans appears to violate this federal rule. 

Attempts to resolve : On XX/XX/year>, a Citi representative named XXXX confirmed that the issue would be corrected and the funds re-applied properly. That did not occur. I called again the following week and spoke with XXXX, who told me the issue would be resolved by XX/XX/year>, and that interest on the 8.99 % loan would be waived. I recorded this XX/XX/XXXX conversation ( confirmation # XXXX ), in which Citi explicitly stated that the payments would be correctly applied and the interest waived. 
When I called again around XX/XX/XXXX, I spoke with XXXX, who said there was no update and no one could provide more information. I was given a reference number XXXX and confirmation number XXXX. 

On XX/XX/year>, after XXXX minutes of transfers, I reached a representative identified as XXXX, who stated that Citi had reviewed the issue and would not be correcting it. I was never notified of this resolution by any other means. This directly contradicts the promise made in my recorded XX/XX/XXXX conversation. Citi now claims that there was no record of a call on XX/XX/XXXX and that they do not recognize confirmation number XXXX, despite my having an audio recording of that call which verifies the commitment that was made. 

Additional concern : Because of Citis repeated delays and conflicting statements, I specifically requested that all further communication be handled in writing to avoid further loss or misrepresentation of critical information. Citi refused this request and would only discuss the matter by phone. 
I also needed a timely resolution to determine the exact amount required to pay off the 8.99 % APR loan. By delaying their decision and refusing written communication, Citi continued to profit from accruing high-interest charges caused by their own inaction.

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 2025-11-12 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:
Can you recheck this item? The timing seems late and XXXX involve errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Complaint XXXX : Axos Bank and XXXX XXXX XXXX 
Issue : Failure to verify or respond to a disputed negative account I am filing this complaint because Axos Bank has failed to respond to my repeated attempts to resolve a negative account, anXXXX XXXX XXXXontinues to report the item as verified despite no confirmation from the furnisher. 

I initially disputed the negative account with XXXX XXXXd also contacted Axos Bank directly by mail and by phone. I never received any response or verification from Axos Bank. Despite thisXXXX XXXX  marked the item as verified and continues to report it. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies must verify disputed information with the furnisher. If the furnisher does not respond within the required timeframe, the information must be deleted. I believe both Axos Bank and XXXX have failed to meet their legal obligations under the FCRA.

Company response to consumer: Closed with explanation