vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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:
I am submitting this letter to formally dispute inaccurate and contradictory information being reported on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, Equifax is required to ensure maximum possible accuracy and provide me with the procedures used to verify disputed items. If you are unable to fully substantiate the accuracy, this account must be deleted immediately, as it is damaging my creditworthiness and financial well-being. 

As provided under the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ), I have the fundamental right to privacy regarding my financial data. Furthermore, 15 U.S.C. XXXX ( XXXX ) emphasizes the duty of credit reporting agencies to protect and ensure the accuracy of consumer information at all times. 

No permissible purpose, as defined by 15 U.S.C. XXXX ( XXXX ), exists for Equifax to maintain and report contradictory and misleading information. This is a direct violation of my consumer rights. 

Additionally, XXXX XXXX. XXXX highlights the severity of identity theft and unauthorized use of consumer data. Should any part of this reporting be tied to identity theft, Equifax is obligated under 15 U.S.C. XXXX to block all such information without delay. 

Disputed Item XX/XX/XXXX Creditor :XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Reported Status ( Equifax ) : Paid / Closed {$0.00} balance Current Inaccuracy : While Equifax reports the account as Closed/Paid with {$0.00} balance, it simultaneously reflects a XXXXday late mark ( XX/XX/XXXX2025 ). This is contradictory and unlawful. An account can not be both closed/paid in full and delinquent at the same time. 

This is a direct violation of 15 U.S.C. XXXX, which prohibits furnishers from reporting inaccurate or unverifiable data. 

DEMAND I demand that Equifax immediately reinvestigate this account and either permanently correct or delete it. Reporting an account as Closed/Paid/Current while also showing delinquency is a clear contradiction and misrepresentation of my payment history. 

Please provide me with : A written explanation of the procedures used to verify this account. 

Copies of all documentation furnished to Equifax to support this reporting. 

A corrected version of my credit file reflecting deletion or correction of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer ID : XXXX Date : XX/XX/XXXX To : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information Dear Early Warning Services, I am disputing several inaccurate items appearing on my Early Warning Services File Disclosure. 
These accounts are either misreported or carry derogatory status codes that are false and misleading. 
Disputed Accounts 1. XXXX XXXX XXXX Bank - Account # XXXX Reported : Closed For Cause Purged Dispute : This designation is inaccurate. 
XXXX. XXXX  XXXX XXXX Illinois - Account # XXXX Reported : Multiple overdrafts/NSFs, then Closed Purged Dispute : The account was ultimately closed at $ XXXX  balance. The overdraft status should not continue to reflect as derogatory. 
XXXX. XXXX Bank XXXX - Account # XXXX Reported : Closed For Cause Dispute : This is an incorrect status and should be updated to simply " Closed. '' XXXX. XXXX Bank - Account # XXXX Reported : Closed Purged Dispute : Purged accounts should not show derogatory history. 
XXXX. XXXX Bank - Account # XXXX Reported : Closed For Cause Purged Dispute : This closure code is inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I made a payment arrangement to pay the debt but with the promise of not reporting the debt. The company reported the debt on my credit report even though I already made payment plan and already paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TN

Complaint narrative:
I RECENTLY RECEIVED AND REVIEWED MY CREDIT REPORT AND FOUND MULTIPLE INACCURATE ACCOUNTS THAT ARE NEGATIVELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I REQUEST AN INVESTIGATION AND IMMEDIATE REMOVAL OF ANY ACCOUNT THAT CAN NOT BE ACCURATELY VERIFIED UNDER THE FCRA.

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 2025-09-28 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: WA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-28 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: WA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : XXXX XXXX XXXX # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In 2022 I moved into my XXXX house in XXXX Mississippi. I received a " XXXX '' magazine in my mailbox, so I decided to call them, because I was enquiring about a wet/ dry tile vacuum cleaner that I seen in their " XXXX magazine ''. I was approved after giving information to the representative for {$600.00}, so I ordered the vacuum cleaner, waited for around XXXX for my package to arrive, it did, But " XXXX '' sent me a Box with ONLY pads the belonged on Only God knows what! ... A box of Pads IS NOT what I ordered... I ordered a wet / dry tile steam vacuum for the price of {$500.00} total, and {$34.00} a month. I contacted " XX/XX/XXXX '' to let them know that they sent me a box of Unknown pads, and NOT my vacuum cleaner I ordered! ... I offered to send them the pads back, out of my own pocket... but was told " NO '' I'm too late to return this unknown pads product, and I was STILL obligated to pay for a product that I DID NOT order, and had NO use for! ... I was Livid with " XXXX '' back then, And Now they are ruining my good credit by sending this ( Midland Credit management company ) after me for a product that I DIDN'T receive! ... For the amount of {$560.00}.... I Need this Derelict scam collection company OFF of my credit, PLEASE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report. My name is XXXX XXXX XXXX XXXX, and I have identified that the account in question is incorrectly listed under the name XXXX XXXX XXXX XXXX. 
Additionally, the amount reported by RGS Financial LLC, the collections agency, does not match the amount reported by the original creditor, XXXX XXXX. 
Furthermore, under the Fair Debt Collection Practices Act and the Uniform Commercial Code, creditors are required to provide comprehensive documentation when repossessing a vehicle. This includes not only the sale price but also the sale location and details of any personal property left inside the vehicle. The failure to provide this information constitutes a clear violation of my consumer rights. 
Given these significant discrepancies and the breach of proper procedures, I respectfully demand that this account be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The amount was XXXX from Bank of America IEP. And money was deposited and have not received funds yet.

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 2025-09-28 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: DC

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX ( Formerly XXXX XXXX XXXX ) To Whom It May Concern, I am filing this complaint regarding inaccurate and damaging credit reporting associated with my former XXXX Credit Card account XXXX 

In XXXX XXXX XXXXXXXX acquired XXXX XXXX XXXX, the parent company of the XXXX brand. Prior to this acquisition, I held an XXXX Credit Card. In XX/XX/year>, XXXX incorrectly reported that I was late on a payment. This report is factually wrong, as I paid my full balance in XX/XX/year> well before the 30-day late threshold.

Since that time, I have made multiple attempts to dispute and correct this error. Unfortunately, I no longer have direct access to my old XXXX statements to independently verify, but I have consistently provided evidence of timely payment. Despite my efforts : XXXX  has acknowledged and corrected the mistake. 

Experian and TransUnion continue to report the late payment inaccurately. 

For a period of time, both XXXX and XXXX reported the same false delinquency, resulting in the error being recorded twice against my credit history. 

This has caused significant and ongoing harm to my credit profile. 

I have repeatedly contacted XXXX XXXX, XXXX, and the credit bureaus. I can provide dates and details of my outreach efforts. Despite these efforts, XXXX XXXX has failed to resolve the issue and continues to allow the false derogatory information to remain on my credit reports with Experian and TransUnion. 

I respectfully request that the CFPB require XXXX XXXX to : Immediately remove the false delinquency from all credit bureaus. 

Confirm in writing that the reporting has been corrected. 

Implement safeguards to prevent duplicate or inaccurate reporting during and after corporate acquisitions. 

XXXX actions, and failure to act after repeated disputes, demonstrate disregard for accuracy and consumer protection. This has materially harmed me, and I ask for the CFPBs intervention to ensure fair and accurate credit reporting. 

Sincerely, 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 2025-09-28 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: WA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTCXXXX XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : 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 2025-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
On my Skrill account there is a {$100.00} charge XX/XX/year>. From ATM withdrawal. And - {$100.00} charge from ATM withdrawal. I did not make this withdrawal. Skrill is telling me that it's a duplicate charge from ATM vendor. Which makes no sense to me. And Skrill wants me to cover this - {$100.00} charge. 
I've requested a new pre paid card. They have not sent it. I've told them repeatedly that I never made the withdrawal. This js a pre paid account. I don't understand the negative balance. {$100.00} - was taken and second charge of {$100.00} to be negative balance. 
This makes no sense I have screenshots of all the complaints I have made via their chat

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
reviewed my credit reports and identified multiple inaccurate and unverifiable negative accounts and unauthorized hard inquiries being reported. These accounts and inquiries do not belong to me, nor have they been verified with original creditor documentation as required under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes to the credit bureaus on [ insert date ] requesting deletion of all inaccurate information.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had an XXXX XXXX XXXX XXXX card with Citibank with an annual fee of {$590.00} and an add on user annual fee of {$170.00}. Before the annual renewal date of this fee ( XX/XX/XXXX ), I called in and asked them to close the card because I didnt want to pay the annual fee. The customer service rep asked me to downgrade to a no-fee mile-up card and promised the fee will be reversed. 

I noticed on XX/XX/XXXX that both the fees have carried over to the no-fee card and called again. I was again assured after almost an hour long call that this would be reversed. I informed Citibank that I dont need this card and have locked it online, and shredded and discarded the physical cards. 

On XX/XX/XXXX, the {$590.00} fee shows reverses. However a late fee of {$30.00}, an interest or {$2.00} is now showing up, and the add-on authorized user fee of {$170.00} is still not reversed. This might also have been reported to the credit bureaus and will affect my credit score. Whenever I call about this, they keep transferring me to agents who promise in the end this charge will be reversed, but never is.

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 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX [ Date ] Trans Union, Equifax., Experian Dispute of Unauthorized Inquiries on Credit Report Dear Trans Union XXXX Equifax XXXX Experian I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute several inquiries on my credit report that I believe were made without my authorization. According to the Fair Credit Reporting Act, I am requesting the removal of these inquiries from my credit report. 


- Full Name : XXXX XXXX - Address : XXXX XXXX XXXX. 
- Email : XXXX - Phone Number : XXXX The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date of Inquiry ] I kindly request you to investigate these inquiries. As I did not authorize any of them, I am requesting their removal from my credit report. 

Please confirm receipt of this letter and keep me updated on the results of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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 submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. ITEMS IN DISPUTE : 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

Company response to consumer: Closed with explanation