vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation into the fraudulent inquiry as required by law. Please see below the listed fraudulent inquiry that require investigation. 
XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  ( XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX  opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( personal loan ) opened on XX/XX/XXXXXXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX  opened on XX/XX/XXXX These accounts are the result of identity theft, and I have never applied for or consented to any of them. I am including my consumer FICO credit report, which displays the fraudulent items, and my FTC Identity Theft Report # ( private case number ) for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am filing this complaint regarding a false and misleading tradeline reported by XXXX XXXX XXXX. They are not the original lender of my auto loan ; the original loan was with XXXX XXXX. I voluntarily surrendered the vehicle in XX/XX/XXXX after it broke down six hours away from home, and I was unable to tow it back. The decision to surrender the car was not due to financial irresponsibility, but because the vehicle became inoperable. Years later, XXXX XXXX purchased the debt and began reporting it as if I originated the loan directly with them. They falsely list the account as opened and closed in XXXX  and show the loan as paid on time, when in fact the vehicle had already been voluntarily repossessed in XXXX. They also inaccurately state the loan term as 60 months when it was originally a 72-month agreement. This misrepresents the nature of the debt, resets the reporting timeline, and makes it appear as if I acquired a new loan through XXXX XXXX, which is entirely false. The original XXXX account is scheduled to fall off my credit report in XX/XX/XXXXXXXX   after the 7-year credit reporting limit, yet XXXX XXXX  is now reporting the same debt as new and extending the reporting date to XXXXthis is a clear violation of the Fair Credit Reporting Act ( FCRA ) due to re-aging. Additionally, I asked XXXX XXXX to provide proof that I ever signed a contract or agreement with them directly, and they refused to provide any such documentation. This refusal to validate the debt further supports that the account is being falsely reported. I am requesting a full investigation and immediate removal or correction of this 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 explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPBs recent administrative proceeding ( File No.2025- ( FPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Exquifax complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
On XXXX XXXX 2024, I contacted XXXX XXXX by phone to resolve a past-due account. During the call, a customer service representative offered me a one-time settlement payment of {$170.00}. I was explicitly told that by making this payment, the account would be considered paid in full and that the negative account would be removed from all three credit bureaus to prevent any further negative impact on my credit history. 

I immediately made the payment in good faith based on that verbal agreement. However, the negative account remains on my credit reports to this day, in direct contradiction to what was promised. Since then, I have submitted multiple goodwill requests to XXXX to honor the agreement and remove the account, all of which have been denied. 

This continued negative reporting is misleading and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit bureaus be accurate and verifiable. Failing to uphold the verbal settlement agreement after payment misrepresents the nature of the resolution and causes ongoing harm to my credit profile. 

I am requesting that the CFPB investigate this matter and that XXXX correct the reporting status of this account as originally promisedby removing the negative item from my credit history entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2024, I contacted XXXX XXXX by phone to resolve a past-due account. During the call, a customer service representative offered me a one-time settlement payment of {$170.00}. I was explicitly told that by making this payment, the account would be considered paid in full and that the negative account would be removed from all three credit bureaus to prevent any further negative impact on my credit history. 

I immediately made the payment in good faith based on that verbal agreement. However, the negative account remains on my credit reports to this day, in direct contradiction to what was promised. Since then, I have submitted multiple goodwill requests to XXXX to honor the agreement and remove the account, all of which have been denied. 

This continued negative reporting is misleading and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit bureaus be accurate and verifiable. Failing to uphold the verbal settlement agreement after payment misrepresents the nature of the resolution and causes ongoing harm to my credit profile. 

I am requesting that the CFPB investigate this matter and that XXXX correct the reporting status of this account as originally promisedby removing the negative item from my credit history entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Sentry Collections ( NMLS # XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This agency is attempting to collect a debt related to a gym membership at the XXXX XXXX XXXX in XXXX Nevada that I dispute. I moved out of the area on XX/XX/year>XXXX  and was no longer using the gyms services. Per our contract, this is valid grounds for membership termination. Instead of terminating my membership, XXXX XXXX XXXX placed my account in collections and charged me for dues owed through XX/XX/year>XXXX  ( > {$500.00} ) or 5 billing periods, despite the present billing period only amounting to total dues owed of < {$250.00}.

I formally disputed the debt within the 30-day window with the collections agency on XX/XX/XXXXXXXX  and requested validation of the debt, including a copy of the original agreement, a breakdown of charges, and documentation supporting their right to collect. 

Further, XXXX XXXX XXXX ( the company ) refused to speak to me despite attempts to settle this debt under a reasonable agreement, instead telling me, " it is out of the hands and with collections now ''. 

Despite my timely dispute, the collection agency : Has failed to validate the debt as required by law and provide evidence of the itemized recipt of the amount of money owed Continued collection efforts ( and may have reported or threatened to report the debt to credit bureaus ), Over the phone, an agent told me they are charging 10 % interest, daily. This an excessive and likely illegal 10 % daily interest rate, which is not supported by any contract or legal standard and would amount to over 10,000 % annually.

This conduct is misleading, coercive, and potentially in violation of both federal and state laws regarding debt collection and usury. I am requesting that the CFPB investigate this matter and compel the collection agency to cease all collection activities until they provide proper documentation and cease any credit reporting unless and until the debt is validated per the contract agreement. 

Further - i dispute that I ever signed this specific contract with XXXX XXXX XXXX, but that is besides the point. I used the service and am happy to pay for as long as I am physically able to use the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint concerning an outdated closed late payment still being reported by Equifax for XXXX ( account number XXXX * * * * ), dated XX/XX/year>, with a reported balance and past due amount of {$0.00}. I have disputed this late payment several times, and Equifax continues to verify its accuracy without providing any substantiating documentation. The account in question is closed and paid off, and any remaining late payment notation is excessively old and irrelevant to my current credit standing. The continued reporting of this derogatory status from nearly a decade agoespecially when the account is not delinquent or activedemonstrates Equifax 's disregard for proper verification procedures. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have exposed Equifax for failing to conduct legitimate reinvestigations in response to consumer disputes. According to the CFPB, Equifax has violated federal law by engaging in sham investigations, thereby breaching its duty under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to thoroughly investigate and correct disputed items. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified or is outdated, it must be removed. The existence of this late payment entryon an inactive and zero-balance accountamounts to a violation of these obligations and is likely the byproduct of poor data practices or contamination from a broader data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
On XX/XX/year> I applied for a Milestone XXXXcard credit card via the XXXX XXXX app. They immediately sent me an email stating that I would receive my card within XXXX weeks. I tried to create an account, but their system wouldnt allow me to do so until I received my credit card. 

I never received the card, and on XX/XX/XXXX I called them to see what was going on. The woman who I spoke to didnt explain what had happened, though I asked, but offered to send me a card. I verified my address with her, asked her if I owed anything, and made sure that I wouldnt be billed before I received the card. She assured me that I didnt owe anything and that I wouldnt be billed before receiving and using my card. 

Today, XX/XX/XXXX, still no card. But I did receive a bill from Milestone XXXXcard ( aka Concora Credit ) for {$120.00}. Clearly Ive been scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have disputed these items and filed an ftc report multiple times. I would like for these accounts to be removed from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have disputed these items and filed an ftc report multiple times. I would like for these accounts to be removed from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TN

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 2025-05-21 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: TN

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has contacted a family member with repeated texts specifically my mom. I am XXXX and the texts disclose they are collectors and has business of mine with my name on it. They have contacted me on my phone number prior, but I never received any texts. They stated they believed they had the wrong number. But when I called they pulled my account from my number. That is a very bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
XX/XX/XXXX I was a victim of fraud. I had money removed from my chime account without my consent. 
I filed a complaint that day. I was denied for using my card to much. 
All my transactions are for food and gas. You can clearly see that. 
There's one large sum of XXXXtook from me. 
I sent police report and documents to chime and they denied me again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of one or more charged-off accounts on my Transunion credit report. 
The issue is that once an account is charged off, it should no longer reflect a " past-due '' balance. A charged-off account means the creditor has closed the account and written it off as a loss. Therefore, it is incorrect and misleading to report it as both charged off and past due at the same time. These two statuses are mutually exclusive under standard credit reporting guidelines.

This inaccurate reporting is misleading to other lenders and negatively impacts my credit profile. I am requesting that the account ( s ) be corrected to remove any reference to a past-due balance if the account is already marked as charged off.

I have also requested 1099-C from the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief