vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am disputing a debt claim under the name " POSSIBLEFINA '' with account number XXXXXXXX XXXX XXXX. I have no knowledge of this account or the debt associated with it. I have not received any prior notices, nor can I recall any interactions with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capitol one send me XXXX bonus complimentary and act like they don't no thats false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified credit reporting by National Recovery Agency, which is currently reporting a collection account on my consumer credit report. 

This collection account was added without evidence of lawful authority to collect or furnish data and remains unverified despite dispute. Despite being disputed, the collection continues to be reported, causing ongoing harm to my credit profile.

The continued reporting of this collection account violates multiple provisions of federal consumer protection law, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of information furnished to consumer reporting agencies.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt.

FDCPA, 15 U.S.C. 1692g ( b ) Continued collection activity without proper validation of the debt.

This collection account continues to be published without lawful verification, documentation, or proof of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Dear Sir/Madam, I am writing to dispute multiple accounts that I believe are inaccurate or incorrectly reported. Below is a summary of the accounts in dispute, separated by credit bureau : Inquiries : 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 non-monetary relief
Consumer complaint received 2025-12-18 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: ND

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
Transunion continues to report inaccurate information on my consumer report.

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 2025-12-18 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: GA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a debt associated with " BBY/CBNA '' with account number XXXXXXXX XXXX XXXX. I have not received adequate proof of this debt nor any communication regarding the account.

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 2025-12-18 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:
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 ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX ( XXXX ) and the inaccurate, inconsistent, and unverifiable reporting of account XXXX XXXX XXXX  on my consumer credit reports. This tradeline is being reported in a contradictory manner, including being coded as a collection/charge-off while also reflecting a {$0.00} balance and paid charge off/dispute-resolved language, which is inconsistent and misleading. These conflicting data points do not reflect the true status of the account and are harming my creditworthiness. 

I dispute the accuracy of this reporting and request that the furnisher and the credit reporting agencies comply with their duties under the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and to ensure maximum possible accuracy. I am also challenging the data integrity and Metro 2 formatting compliance of this tradeline because an account should not be structured to simultaneously present a paid/zero-balance status while still being reported as a charge-off/collection. 


Additionally, my consumer file contains heightened risk due to my personal information being compromised in major data breaches, and therefore any tradeline furnished under my identity must be supported by proper validation and competent evidence. To date, I have not been provided documentation sufficient to verify that this item is accurate, properly reported, and legally reportable. Because XXXX XXXX and/or the bureaus have failed to provide adequate proof and continue reporting inconsistent information, this account remains unverifiable and must be deleted.

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 2025-12-18 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: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX ( XXXX ) and the inaccurate, inconsistent, and unverifiable reporting of account XXXX XXXX XXXX  on my consumer credit reports. This tradeline is being reported in a contradictory manner, including being coded as a collection/charge-off while also reflecting a {$0.00} balance and paid charge off/dispute-resolved language, which is inconsistent and misleading. These conflicting data points do not reflect the true status of the account and are harming my creditworthiness. 

I dispute the accuracy of this reporting and request that the furnisher and the credit reporting agencies comply with their duties under the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and to ensure maximum possible accuracy. I am also challenging the data integrity and Metro 2 formatting compliance of this tradeline because an account should not be structured to simultaneously present a paid/zero-balance status while still being reported as a charge-off/collection. 


Additionally, my consumer file contains heightened risk due to my personal information being compromised in major data breaches, and therefore any tradeline furnished under my identity must be supported by proper validation and competent evidence. To date, I have not been provided documentation sufficient to verify that this item is accurate, properly reported, and legally reportable. Because XXXX XXXX and/or the bureaus have failed to provide adequate proof and continue reporting inconsistent information, this account remains unverifiable and must be deleted.

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 2025-12-18 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Product : Credit reporting Company : Citicards CBNA ( Citibank ) Account : XXXX I am filing this complaint due to Citicards CBNAs repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple direct written disputes and continued inaccurate, inconsistent, and unverifiable credit reporting related to the above-referenced account. 

Timeline of Non-Compliance XX/XX/year> : I mailed a formal dispute to Citicards CBNA requesting validation of reported late payments and correction of contradictory account status. 

Proof XXXXCITICARDSCBNA ( 1 ) XX/XX/year> : I mailed a second, detailed dispute citing FCRA 1681e ( b ), 1681s-2 ( b ), and 1681i, demanding full validation or deletion if unverifiable. 

Proof XXXXCITICARDSCBNA ( 2 ) Citicards CBNA received these notices and was given the statutory time to conduct a reasonable investigation. 

As of XX/XX/year>, Citicards CBNA has not provided any documentary validation, and the account continues to be reported materially inconsistently across XXXX XXXX XXXX XXXX. 

Ongoing Reporting Violations ( XX/XX/year> ) Citicards CBNA continues to furnish contradictory and unverifiable information, including : Reporting the account as Closed/ As Agreed / Closed at Consumers Request / In Good Standing while still reporting a significant balance Reporting different high-balance figures ( {$5700.00} vs. {$5300.00} ) across bureaus Reporting large portions of the payment history as No Data/ N/A, yet still assigning 30/60/90-day late payments Reporting a {$0.00} credit limit on Equifax while reporting a {$5300.00} limit on XXXX XXXX XXXX, creating inaccurate utilization Reporting different months-reviewed totals across bureaus These contradictions demonstrate that the information can not be independently verified and is not being reported with maximum possible accuracy. 

Instead of correcting or deleting the tradeline, Citicards CBNA has made cosmetic updates only, leaving the underlying inaccuracies unresolved. 

Violations of Federal Law Citicards CBNA is in violation of : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information after notice 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Continued reporting of unverifiable information following reinvestigation After multiple written disputes and no documentation produced, this account is unverifiable as a matter of 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 non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am disputing inaccurate and unverifiable credit reporting for the XXXX student loan accounts listed below. 

These accounts report materially different delinquency severities across consumer reporting agencies, including 120-day late status on some bureaus and 180-day late status on others. The same account can not be both 120 and 180 days delinquent at the same time. 

Additionally, the accounts are marked Transferred/ Closed due to transfer with a {$0.00} balance, yet late payments are being reported after the transfer date. 

Because the reported information is contradictory and unverifiable, it does not meet the Fair Credit Reporting Act requirement for maximum possible accuracy. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Accounts in dispute : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Please delete these tradelines from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am disputing inaccurate and unverifiable credit reporting for the XXXX student loan accounts listed below. 

These accounts report materially different delinquency severities across consumer reporting agencies, including 120-day late status on some bureaus and 180-day late status on others. The same account can not be both 120 and 180 days delinquent at the same time. 

Additionally, the accounts are marked Transferred/ Closed due to transfer with a {$0.00} balance, yet late payments are being reported after the transfer date. 

Because the reported information is contradictory and unverifiable, it does not meet the Fair Credit Reporting Act requirement for maximum possible accuracy. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Accounts in dispute : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Please delete these tradelines from my credit file.

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