vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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:
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 ] 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I obtained my Equifax credit report, which showed limited account data and listed my current address. On XX/XX/year>, when I obtained a three-bureau report through a third-party service, Equifax returned no file at all no accounts, no score, and no personal data. This indicates that Equifax is maintaining an incomplete, fragmented, or suppressed consumer file. 

I contacted Equifax directly and was told my name and address were updated ; however, the issue persisted. I requested full file disclosure and investigation under the Fair Credit Reporting Act. On XX/XX/year>, I filed a CFPB complaint and provided proof of identity, proof of address, credit reports, and a formal written request for full file disclosure. 

Equifax acknowledged the complaint but did not address the substance of the issue. Instead, on XX/XX/year>, Equifax closed the complaint and requested that I resend identity documentation that had already been provided, without identifying any deficiency. The company did not confirm identity verification, did not provide a complete consumer file, and did not investigate or resolve the fragmented file issue. 

As of today, I am still unable to obtain a complete Equifax credit report or credit score, and third-party services remain unable to access my file. This indicates a failure to provide full file disclosure and a failure to reasonably investigate and resolve the issue after repeated notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a dispute for the following accounts that I believe to be inaccurate or incomplete. Below is the information broken down by bureau : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Late Payments XXXX 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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting multiple accounts on my credit report that are the result of identity theft and unauthorized activity. I did not open, authorize, or benefit from these accounts. 

I am specifically disputing the LVNV Funding account with a reported balance of {$1200.00} ( reported XX/XX/year> ). Additionally, LVNV Funding is reporting other accounts under my name without providing proof of authorization. 

I have requested documentation showing permissible purpose, including signed applications or identity verification, for all LVNV accounts being reported. LVNV Funding has not provided this documentation. 

Continued reporting of multiple unverified accounts constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check drawn on XXXX XXXX Bank into my Citibank account for approximately {$1500.00} The account was closed before the check cleared. 

I have confirmed with XXXX XXXX Bank that the funds have already been debited from the issuers account. However, Citibank has informed me that it requires verification of the checks authenticity from the issuing bank. I was told that Citibank attempted to contact the checks issuer but no response and refused to make further verification attempts. 

This has resulted in my funds being held indefinitely despite the check being legitimate and the funds having cleared from the issuers 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 monetary relief
Consumer complaint received 2025-12-28 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: GA

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 : [ SELF/SOUTH ] Account Number : [ XXXX XXXX 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 explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX 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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : XXXX  XXXX Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days.

Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA.

Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights.

15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported.

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AL

Complaint narrative:
NAME : XXXX XXXX DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX DOB : XX/XX/XXXX LAST FOUR SSN : XXXX TRANSUNION TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I dispute the collection account reported on my credit report : Company Account Number Balance XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$3800.00} XXXX  XXXX {$1300.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$74.00} XXXX  XXXX {$720.00} XXXX XXXXXXXX {$8600.00} XXXX XXXX {$260.00} XXXX  XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$3600.00} I request a full investigation and removal of any inaccurate information from my credit file. 
Section 611 ( a ) Procedure in Case of Disputed Accuracy : If a consumer disputes the completeness or accuracy of any information in their file, the consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The agency must review all relevant information provided by the consumer, complete the reinvestigation within 30 days, and promptly delete or correct any information found to be inaccurate or unverifiable. The agency must also notify the consumer of the results of the reinvestigation. 

Sincerely, 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I am submitting this complaint based on new information provided by XXXX XXXX  confirming that the disputed transaction was a Visa debit card transaction, not an ACH debit, and that the dispute was handled under Visa rules. This information was not previously disclosed and materially changes the basis of my complaint. 

Complaint Details On XX/XX/year>, a debit card transaction in the amount of {$4300.00} posted to my business checking account as XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA. I did not authorize this transaction. 

XXXX XXXX  has now confirmed in writing that : The transaction was processed as a debit card transaction The dispute was handled by Visa  ACH rules do not apply to this transaction Accordingly, the dispute is governed by Visa Core Rules, not ACH rules. 



Failure to Demonstrate Authorization XXXX XXXX  denied the dispute without providing compelling evidence of authorization, as required under Visa dispute standards. 

The bank has not provided : Proof that I authorized this specific transaction Merchant-side authorization evidence from XXXX XXXX Device, IP address, or authentication logs Any documentation showing my affirmative approval of the transaction Instead, the denial relied on : Prior transaction history Assertions that I benefited from the funds Use of the same debit card and XXXX XXXX account Prior usage does not constitute authorization for a disputed transaction. Visa  rules require transaction-specific evidence, which has not been provided. 



Deficient Investigation XXXX XXXX  investigation was inadequate because : 1. It relied on transaction patterns rather than proof of authorization 2. It did not obtain or disclose merchant authorization records 3. It failed to provide documentation relied upon in reaching its decision 4. It denied the dispute without demonstrating compliance with Visas compelling-evidence requirements XXXX XXXX stated that Visas  decision was final, yet no evidence supporting that decision has been shared with me. 



Business Account Status Although this is a business account, the transaction involved a Visa-branded debit card issued to a natural person and used in a card-not-present transaction. Visa  dispute protections apply regardless of whether the underlying deposit account is personal or business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I am writing to dispute multiple accounts listed on my credit report. I believe the information being reported is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ). Below is a breakdown of the disputed items by credit bureau : Charged-Off Accounts : XXXX - XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3700.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$6500.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3700.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$870.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$4500.00} XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$280.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$450.00} 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 Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
on XXXX I noticed 3 charges on my credit card from XXXX for {$980.00}, {$850.00}, {$920.00}. I immediately called and reported it as fraud. They did an investigation and 4 days sent me a letter saying I am responsible for the chargers. I ask to investigate again and again a couple days later said I was responsible. I did not make these charges. Barclays sent a letter not stating any prove just saying I am responsible. I filed a police report with the XXXX Police Department, and a report with the Federal trade Commission ( report # 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 2025-12-28 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: NY

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and Metro 2 compliance of the following account reported on my Experian credit report.

Account in Dispute : Creditor : XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Violations Noted : 1. Account reflects multiple late payments ( 30, 60, 90, 120, 150 days ), yet remains in " In Dispute '' status without clear resolution or correction, violating FCRA 607 ( b ) and Metro 2 standards.

2. Discrepancy between reported date of last activity ( XX/XX/XXXX ) and date of last payment ( XX/XX/XXXX ), indicating possible data inconsistency or re-aging a direct violation of Metro 2 guidelines.

3. Payment history and status coding conflict with active dispute notation ( Consumer Information Indicator not coded as " XB '' ).

Applicable Laws and Standards : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Furnisher and bureau must reinvestigate disputed data.

FCRA 611 ( a ) ( 5 ) : Bureau must delete unverifiable or incorrect data.

Metro 2 Compliance Manual : Accuracy of DOFD, payment history, and account status fields.

XXXX  & XXXX  Breach Reports ( XXXX XXXX ) : Increased data integrity risk across national CRAs.

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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information that is inaccurate on my TransUnion credit report. I have provided the details of the accounts in dispute below. 

Charged Off : XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$14000.00} Inquiries : XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX Late Payment : XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inaccuracies that I have identified on my credit report with the three major credit bureaus : Experian ( XXXX ), Please review and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$80.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
b"I want to dispute these accounts   because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges.  I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit reportXXXX 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