vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONAL DEBT RELIEF LLC
State: MA

Complaint narrative:
I want to check my credit score and this company is reported a hard inquiry on my credit and I dont even know what this company does or what is it for? Yeah hes sitting on my credit. I try to get in contact with the company, but theres no records of me with them therefore I tried dispute in it With the three major crowd of bureaus and he still pull back into my credit. It needs to be a bigger investigation or a better one so you guys can know that doesnt belong to me. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am shopping around for balance transfer options, and was looking at Discover Financial. When going through the process to determine what balance transfer amount would be, Discover automatically opened a new line of credit, which I did not want. I understand that soft credit inquiries are required for determining what the balance would be, but it is incredibly deceptive to open the line of credit first, and then tell the consumer what the available credit would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was checking my consumer profile and I notice fraud and identity theft. I have all proper paperwork as required under law - FTC report, as well as other documents. Please delete all fraud no later than 4 BUSINESS DAYS after receipt of this letter.

15 US CODE 1681C-2 Block of information resulting from identity theft : DELETE ACCOUNTS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is my proof of ID and my current address as well as the FTC report .

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC
State: KS

Complaint narrative:
Creditor : Quality Acceptance, LLC Account : Auto Loan XXXX  XXXX XXXX This letter constitutes a direct dispute under the Fair Credit Reporting Act ( 15 U.S.C.

1681s-2 ( a ) ( 8 ) ). I dispute the accuracy, legality, and verifiability of the credit information you are furnishing regarding the above-referenced account.

BASIS OF DISPUTE You claim the vehicle was repossessed and sold at auction, with proceeds applied to the account balance. However, I was never provided the mandatory notices or accounting required by UCC Article 9, including : 1. No Notice of Intent to Sell ( UCC 9-611 ) 2. No Post-Sale / Post-Auction Accounting ( UCC 9-616 ), including sale price, fees, and balance calculations 3. No Proof of Commercially Reasonable Sale ( UCC 9-610 ) 4. No Proof of Accurate Application of Proceeds Because these statutory requirements were not met, any claimed deficiency is unenforceable as a matter of law, and any credit reporting based on such deficiency is inaccurate.

FORMAL DEMAND Pursuant to FCRA 623 ( a ) ( 8 ), I demand that Quality Acceptance : 1. Conduct a reasonable investigation 2. Produce documentary proof of all UCC-required notices and accounting 3. Correct or delete the tradeline if such proof can not be produced Failure to comply may constitute willful or negligent non-compliance under FCRA 616617.

This letter is not a waiver of any rights. All rights are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-26 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: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-26 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: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing a {$99.00} charge from AVG ( Case # XXXX ). I am a victim of unauthorized 'Negative Option Billing. ' 1. No Consent : I have never authorized an auto-subscribe or auto-renewal agreement with this merchant.

2. No Notice : I never received a renewal notification email prior to the charge on XX/XX/XXXX, which is a violation of the Restore Online Shoppers Confidence Act ( ROSCA ) and Californias Automatic Renewal Law ( ARL ). 
XXXX. Prior Cancellation : I cancelled this service in XXXX and changed my card number to prevent charges. Discover bypassed my security by using 'Account Updater ' without my permission for this merchant. 
XXXX. Merchant Authorization : On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent a formal email stating : 'Alternatively, you may consider contacting your bank to dispute the charge directly. ' Despite the merchant explicitly authorizing this dispute, Discover continues to deny my claim. I request an immediate reversal of this unauthorized charge. '' Attach Files : 1/ Emails from XXXX and my rebuttal letter. 
XXXX Chronological order of the dispute XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/year>, I made a purchase at XXXX XXXX using my XXXX XXXX credit card after the cashier accessed my account to apply a promotional discount. I did not have the physical card with me. 

I did not receive any billing statement by mail or electronically, nor did I receive any notice that a balance was due or past due. I was unaware of any delinquency. 

My first awareness of a potential issue was a phone call from someone in XXXX of XXXX, identifying themselves as a Barclays representative attempting to collect on an outstanding balance. When I requested account details, the representative stated their system was unavailable and advised me to call back later. Up until that point, I had no idea the Barclay 's was affiliated with XXXX XXXX. 

I received another call in XXXX of XXXX  from Barclay 's and was finally given the XXXX XXXX account details. Immediately upon confirming the balance, I accessed my account and paid the full amount without delay. Only after payment did I learn that Barclays had already reported a late payment to the credit bureaus. I searched my yahoo email and found XXXX notices with the term I searched : " XXXX  XXXX ''. 

I submitted a goodwill request explaining that I received no billing statement or delinquency notice and that payment was made immediately upon discovery. Barclays denied the request with a generic assertion that removal would be inaccurate, without addressing whether proper notice or statement delivery occurred.

Regulatory concerns : I am disputing whether this late payment was accurately reported under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Reporting a delinquency when no billing statement or notice was received raises serious concerns regarding : Accuracy and completeness of information furnished to consumer reporting agencies Whether reasonable procedures were followed prior to furnishing negative information Whether the reporting fairly reflects the servicing of the account This single late payment is causing material financial harm, including negatively impacting my ability to refinance a mortgage originated in XX/XX/year> at a high interest rate. There is no pattern of delinquency, and the account was cured immediately upon notice.

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 2025-12-26 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 must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my continued attempt to resolve this issue as the company has incorrectly responded with another persons claim, not mine ( they sent me someone elses info ) I was notified of a fraudulent charge, informed them all charges that day had to have been fraudulent, provided proof and still has not been resolved.

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 2025-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I sent in payments to PHH mortgage and they claim they have not processed my payments but held on to them forn2 months before they sent them back to me. Before my mortgage was transfered to them my payment was {$1900.00} so I was sending them this payment. I reached out to them and they told it would take 30 to 60 days for them to transfer the loan and not to make a payment until they get the paperwork from the previous servicer. During this time there phones always had a unforseen technical difficulty over and over. Finally able to get ahold of someone they told me my payment was {$2500.00}. They held the initial {$1900.00} we sent and the next 2-3 payments without applying it to our account even though these amounts would have equaled up to {$2500.00}. So when they finally sent us the 2 cashiers checks back they held {$1900.00} in a suspense account. They then would not let us make a payment and demanded us to pay an overly welming amount at once. Everytime we called the amount would be different. Then when we called to make the payment, technical difficulties on their lines. The next day they told us our loan was in foreclosure even though we were going by what they told us, they held our payments on purpose and would not give clarity or answer the phones or emails. Not to mention they NEVER gave an option to pay o line citing this is because you have a payment being processed and can not make one. This message appeared from XXXX and still showing in 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