vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
INQUIRY XXXX  XXXX XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ) Requires written consent for consumer report access Issue : This inquiry was made without permissible purpose or authorization Story : I never applied for or had any interaction with XXXX XXXX XXXX on this date, making this an unlawful inquiry that must be deleted I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment entry currently reported on my credit file. My payment history demonstrates that all payments were made on time, and the reported late payment is incorrect. This misreporting misrepresents my responsible financial behavior and is negatively affecting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute regarding a fraudulent account listed in my credit report. I have no knowledge of this account, nor did I authorize its creation. Its continued reporting is misleading, inaccurate, and negatively affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not under my name ; they should be taken off within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
I am filing this statement to address the inaccurate and harmful reporting of both late payment remarks on my open accounts and charge-off accounts that continue to appear on my credit file. 

Late Open XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$0.00} Date Opened : XXXX These items are not an accurate reflection of my payment history or current obligations. I have made multiple good-faith attempts to dispute these inaccuracies directly with the credit reporting agencies and the original creditors/furnishers. Despite providing explanations and requesting proper investigations, these accounts remain unchanged and continue to report negatively.

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 2025-08-15 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: CA

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 2025-08-15 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : Formal Dispute XXXX XXXX XXXX XXXX Charge-Off Reporting ( Account XXXX XXXXXXXX ) To Whom It May Concern : I am formally disputing the accuracy of the XXXX XXXX XXXX XXXX account appearing on my TransUnion credit report. This dispute is made under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). 

The reporting contains multiple factual errors and violations : Inaccurate Date of Account Closure The report shows the account closed on XX/XX/XXXX, yet continues to reflect derogatory updates through XX/XX/XXXX. This is inconsistent with the requirements of 1681c ( a ) ( 4 ) regarding the Date of First Delinquency and the 7-year reporting limit.

PostCharge-Off Monthly Updates ( XXXX ) The account is listed as Charge-Off yet reports ongoing derogatory notations every month for more than five years after closure. Once an account is charged off, it must not be reported as a newly delinquent account each month, as this is misleading and artificially extends the negative impact. 

Conflicting Balance and Payment Status The tradeline reflects a Profit and Loss Write-Off while still showing {$24000.00} past due as of XX/XX/XXXX. If the debt was written off in XXXX, the past-due status should not continue to update unless new, legally valid charges are accruing and no such documentation has been provided. 

Failure to Maintain Maximum Possible Accuracy Reporting a closed, charged-off account with ongoing late-payment markers for years after the closure violates 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they furnish.

Required Action : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable, incomplete, or inaccurate information must be deleted.

Additionally, under 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the complete description of the procedure used to verify this account, including : The name and contact information of the furnisher ( s ) you contacted ; The dates and substance of each verification attempt ; Any documentation provided by the furnisher to substantiate the ongoing monthly derogatory reporting. 


If you can not substantiate each element of the tradeline including the correct Date of First Delinquency, charge-off date, and basis for continued past-due reporting you must delete this account immediately. 

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 2025-08-15 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:
I am submitting this third-round follow up complaint to dispute regarding certain inquiries on my credit file that remain unauthorized, or unverifiable despite my previous disputes. Some of the inquiries reported on my file were made without my knowledge or consent and do not meet the requirements for permissible purpose under FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). These inquiries should be removed immediately, as they were not legally authorized.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I am submitting this third-round follow up complaint to dispute regarding certain inquiries on my credit file that remain unauthorized, or unverifiable despite my previous disputes. Some of the inquiries reported on my file were made without my knowledge or consent and do not meet the requirements for permissible purpose under FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). These inquiries should be removed immediately, as they were not legally authorized.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
citi manages a reward program called Thank you. Website is XXXX 

after logging in on desktop or mobile the site just continuously tries to " redirect '' to another site where presumably you can redeem rewards, but it NEVER loads. So in effect customers who have been promised points and redemptions can never redeem. 

this is an unfair practice. Citi needs to fix this. I have tried many times to raise this to their awareness over months or even years to no avail. I use an XXXX and XXXX with 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im not associated with these accounts ; they need to be removed within XXXX  days under USC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX CCFBT - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The company is LVNV Funding LLC, and they are connected with the company XXXX. I began communication with XXXX in XXXX and set up a payment plan, which I have been making payments on regularly. LVNV Funding LLC began calling me even after I set up my payment plan with the company they are affiliated with, and the calls were daily and constant throughout XXXX and XXXX. I checked my credit report and found that they had placed the debt in collections with a higher amount, even though I have proof the amount has been paid down and that I negotiated a lower amount. The main issue is the constant calls after I had already set up a payment plan, and then they retaliated by placing it on my credit report in XX/XX/year> after I asked them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Summary of Issue : I am attempting to address a debt purchased by Portfolio Recovery Associates ( PRA ), originally issued by XXXX XXXX Bank. PRA is pressuring me into immediate settlements during phone calls instead of resolving my request to regain online account access to review payment plan options. 


-- - Chronology of Events : XX/XX/year> Call # 1 : I called PRA to request an update to my phone number on file so I could log into their online portal to view payment plan options. 

The representative repeatedly pressured me to agree to a settlement during the call, even after I explained I was not financially able to commit. 

The representative reluctantly stated my phone number had been updated. 

I attempted to log in, but received an error directing me to chat with us, not allowing self-service access. 


XX/XX/year> Call # 2 : Another representative confirmed my number was updated but said they could not fix the login issue over the phone. 

He told me I could use the live chat feature during business hours or process a settlement with him now instead. 

This again pressured me toward settlement over resolving the access issue.

-- - Nature of Complaint : FDCPA Violation 15 U.S.C. 1692e / 1692f : Using deceptive or unfair means to collect a debt, including withholding self-service account access while pushing immediate settlement over the phone.

-- - Consumer Rights Impact : I am being denied my right to review account options without undue pressure, which impacts my ability to make informed financial decisions. The lack of transparency and forced verbal agreements are coercive and prevent me from exercising choice in repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have zero affiliation with these accounts ; remove them in 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Trustly, Inc.
State: PA

Complaint narrative:
Trustly charged {$780.00} in fees due to an error on their end, or at the end of my bank. I shared and communicated this issue, and told them they are not to debit my account until i get a billing statement that I could dispute. They took the XXXX XXXXthe same day I was assured there would be an investigation. This is an illegal and unfounded fee, and I am additionally contacting the XXXX  state attorney general and my legal team to pursue Trustly to the full extent of the law in the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief