vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the inaccurate reporting of a collection account on my credit report. I recently filed a complaint with the XXXX XXXX XXXX, and your response indicated that you are no longer handling my account and instructed me to contact XXXX directly. As per the Fair Credit Reporting Act ( FCRA ), once an agency is no longer servicing or collecting a debt, it is obligated to stop reporting the debt to the credit bureaus. 

However, despite your statement that you are no longer managing this account, you have continued to report this debt as if you are still collecting it, which is a violation of the FCRA. Additionally, no verification or supporting documentation has been provided to validate this debt, further exacerbating the inaccuracies on my credit report. 

I have given you ample time to respond with proof that you have submitted a request to have this account removed from my credit file. However, after calling today, XX/XX/2025, I am still receiving vague responses and being told that I still owe the debt. I am requesting immediate proof that you have submitted the necessary request to have this debt removed from my credit file. The continued reporting of this account is not only inaccurate but also misleading, as you no longer have the authority to report it. 

As a result, I am formally requesting that this account be removed from my credit file immediately. I also request that you provide written confirmation that this removal has been processed. 

Please ensure that my credit file is updated without delay, and send me written confirmation of the deletion.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts have been paid, but their account status and payment status are incorrect. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion/ Experian / Equifax XXXX Account Number : XXXX XXXX XXXX XXXX * TransUnion

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts have been paid, but their account status and payment status are incorrect. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion/ Experian / Equifax XXXX Account Number : XXXX XXXX XXXX XXXX * TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MN

Complaint narrative:
On the evening of XX/XX/year>, I shopped for and purchased flights through XXXX XXXX. During the checkout process, I was presented with a XXXX card offer for a XXXX XXXX  XXXX XXXX XXXX  card. The card offers numerous rewards for using it and no where in the terms or fine print did it say that I would not be able to receive a temporary card ( industry norm, from what I know ) or that I would not be able to use it to the complete the purchase. Because I've been watching these flights for months, I reserved it with an existing XXXX  card. 

I spent more than XXXX hours going back and forth with XXXX and Citi over this. XXXX refuses to allow me to use that card if I don't cancel the existing reservation. Those flights increased in price again since then. Citi refuses to offer a temporary card and neither party will commit to working together to find a fair resolution. It seems pretty simple to bill XXXX credit card and credit another. 

I talked to a XXXX initially at Citi. He would not provide any other identifying information when I asked him. He transferred me to a XXXX whose name I could not understand. She blamed XXXX and transferred me there. I talked to XXXX at XXXX  around XXXX pm and she refused to transfer me to a XXXX I called Citi back and was hung up on, I believe by XXXX of the associates that I spoke with earlier. I then got XXXX on the line around XXXX who transferred me to a supervisor, XXXX, who said I have no choice but to wait XXXX days. I was then transferred to XXXX, a senior acct XXXX, who also said he could not help me. 

This is deceptive advertising and a scam. This is happening to others on the web. I did not need a new XXXX card. I signed up for the perks and I'm not being allowed to use them. The ad even says " Offer available if you apply here today. Offers may vary and this offer may not be available in other places where the card is offered. '' This offer was NOT made available to me, despite instant approval. No one at Citi can tell me why I didn't get a temporary number. I am now out several XXXX dollars and my credit took a hit for no reason. How are we going to resolve this?

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 2025-05-28 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report that I am a victim of identity theft, and my consumer credit report contains fraudulent and unauthorized information. I did not authorize or open the accounts listed below, nor did I initiate the inquiries or collections reflected on my report. 

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am formally requesting that all fraudulent data be permanently blocked and removed within XXXX ( XXXX ) business days, as required by law. 

Incorrect Personal Information : Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, FL XXXX Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are the result of identity fraud and are not connected to my actual financial behavior. I am requesting that they be permanently deleted from my credit file and blocked from reappearing. 

Please act in accordance with FCRA regulations and ensure the timely resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found XXXX information on my credit. Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am disputing the validity of a debt reported by LVNV Funding LLC and serviced by Resurgent Capital Services. This account originated with XXXX XXXX XXXX XXXX and was charged off on XX/XX/XXXX. LVNV Funding purchased the account on XX/XX/XXXX, and began reporting it as a new collection, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

The date of first delinquency was XX/XX/XXXX, as confirmed by Resurgent in their letters. Under the FCRA, the original delinquency date must remain the same even when a debt is sold. The account should no longer be reported past 7 years from that date, meaning it should fall off by XX/XX/XXXX. 

In addition : I did not receive proper written notification of the debt within 5 days as required under the FDCPA. 
I exercised my right to dispute and request validation, but they continue to report the account as disputed by consumer without removing it. 
They confirmed that the statute of limitations to sue has expired in Virginia, but continue to report it in a way that makes it appear collectible and active. 

I am requesting the complete removal of this account from my credit report, as it has surpassed the statute of limitations for legal collection and is being inaccurately reported under federal law. Please hold LVNV and Resurgent accountable for continuing to report this debt in a way that misleads creditors and affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Upon reviewing my credit report for the 3 credit reporting agencies I found that XXXX is showing a collection from a debt collector that I know nothing about. I've never received any information in the mail regarding the debt and I was not aware of what it was for. This debt was placed on my credit file with XXXX on XX/XX/year> and each month there is a " C '' indicating this account is in collections against me. 

The following is the only information that XXXX  is providing to me, making it extremely difficult to contact this collection agency, which I do not wish to contact in the first place, however that have illegally indicated that I have an open account with them, owing them {$440.00} and they are ruining my credit history. 

CONTACT INFORMATION : CREDENCE RESOURCE MANA ADDRESS : XXXX, TX XXXX TELEPHONE NUMBER : NONE PROVIDED I contacted XXXX  after learning about this collection from this 3rd party. XXXX indicated the XXXX modem was not returned when this account was closed and that is the reason there was an outstanding balance. I asked XXXX if I could return this device and have my account updated to remove this collection as I do not want to ruin my ability to do business with XXXX in the future . 

The XXXX manager provided a shipping to me via e-mail on XX/XX/year> and indicated that when the modem was received my account would be updated and this collection would be removed. I immediately shipped the item to XXXX the next day. It has been over 5 months now and this collection agency is still attempting to collect on account I've resolved with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm disputing a credit inquiry that appears on my report from a company Ive never done business with and never gave permission to access my credit. I did not authorize this inquiry plain and simple. 

This was an unauthorized pull, and it has no legitimate purpose. Its either a mistake or a clear violation of my rights. Either way, it shouldnt be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out because there is incorrect information showing up on my credit report, and I need it addressed immediately. 

This item is flat-out wrong, and it should have never been reported in the first place. I take my credit seriously, and I dont have the time or patience for careless mistakesespecially when they directly impact my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: NY

Complaint narrative:
b'Unauthorized Installment Loan HARD inquiry from US BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX, (800) XXXX XXXX XXXX XXXX\n\nI called both numbers provided by my credit report and was led to a recording for a medical alert device "offer" the only option to speak to a human was to transfer to a medicare or medicaid insurance company.'

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX Rivers XXXX XXXX XXXX GA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} Inquiries US DEPARTMENT OF EDU XXXX XXXX XX/XX/XXXXXXXX  US DEPARTMENT OF EDU Date : 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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