vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the fraudulent account currently being reported on my credit file. I never authorized, opened, or acknowledged this account. Its reporting is inaccurate, and I insist that it be corrected without delay.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-09-02 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: NY

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-02 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: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency is reporting a collection account on my credit report in the amount of {$2200.00}. I dispute this account as inaccurate, incomplete, and unverifiable. 

This company has not provided proper validation of the alleged debt. Instead, they attempted to rely on a simple billing statement, which does not prove lawful ownership or assignment. Under the Fair Debt Collection Practices Act FDCPA section 809 subsection b, validation must be meaningful. A copy of a bill does not establish that National Recovery Agency has any legal right to collect, use, or report this account. 

The Fair Credit Reporting Act FCRA section 602A, section 607b, and section 623 requires maximum possible accuracy. Furnishing information without a signed agreement, wet signature, or chain of title is reckless and harmful. Reporting unverifiable data is negligent and constitutes willful noncompliance with federal law. 

I never entered into any agreement with National Recovery Agency. There is no proof of a contract, no evidence of lawful assignment, and no documentation that establishes permissible purpose under FCRA section 604. Without this proof, the company is unlawfully using and reporting my personal information. 

I am currently experiencing unstable living conditions and can not safely receive mail. All responses and documents must be uploaded directly to the CFPB portal for review. Mailing responses does not satisfy compliance when the consumer can not reliably access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

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 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
My mortgage was transferred to another company on XX/XX/XXXX. Before the transfer I just completed the terms of the loan modification ( making three consecutive payments ). 

I call the new mortgage company at least three to four times a week, with holding time of at an half hour or more. I spoke to XXXX XXXX on Saturday afternoon XXXX pm, who informed me that I was approved for the final loan modification and she gave me all the information and said I would receive a XXXX package in 7-10 days, she instructed me what to do. 

On Tuesday afternoon I received certified mail, dated XX/XX/XXXX, of notice to intent to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
This company practices bad faith. I called the company to resolve my debt of XXXX from purchasing gas at XXXX using their XXXX XXXX feature. The company proceeded to send me on a wild goose chase when I asked how I can get the {$30.00} fee added on by CheckRedi waived. They informed me to call my bank multiple times and provide trace numbers for the transaction all of which my bank denied any such information but that wasn't enough for them. I offered to provide chat logs as proof representatives of my bank have done the research and all come out with different information than what they have. CheckRedi reps did not want to hear it. I feel mistreated because they shouldn't have mislead me to believe anything could get my fee removed so I could just pay for the gas. The company has threatened to sell the debt to another collector even though I have no issues paying the amount minus the fee. All of this because they claim my account was frozen even though I paid through ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: IN

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
As a XXXX XXXX and XXXX XXXX  citizen, XXXX XXXX acct XXXX, XX/XX/year> XXXX This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report and I have the right to sue. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability without validation of the debt. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do and did not validate this debt. Therefore, the following accounts must be deleted from my report upon receiving this document. 
Failure to respond satisfactorily ( within 72 hours ) with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: VA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I filed a dispute with Experian and the results came back as verified. I then sent a certified letter requesting the Method of Verification and all Experian did was email me the results of the previous reinvestigation and did not provide the method of verification that they used to determine items on my credit report as verified. By law, Experian is supposed to provide me with the method of verification as proof that they actually did an 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Equifax requesting an investigation into inaccurate information on my credit report. To support my request and verify my identity, I enclosed all necessary documentation : a copy of my government-issued photo ID, Social Security card , and a recent bill reflecting my current address. 
In my dispute, I provided specific, detailed instructions requesting transparency in the verification process. I asked Equifax to disclose the following information : - The method used to verify the disputed item - The date Equifax contacted the creditor and furnisher - Contact information for both the creditor and the furnisher - The name of the individual who verified the item - The communication method used ( e.g., phone, email, mail ) - Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 
Despite providing a valid and well-documented request, Equifax has failed to issue any response or resolution, and over 30 days have now passed. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a reasonable investigation and provide the consumer with the results of that investigation within 30 days. Their complete failure to respond constitutes a clear violation of federal law and a denial of my rights as a consumer. 
This inaction is obstructing my ability to correct potentially harmful errors on my credit report and is causing continued and unnecessary damage to my financial standing. 
I am attaching a copy of the dispute letter I originally sent to Equifax as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fraudulent account has appeared on my credit report without my consent or involvement. I have never applied for, used, or agreed to this account in any form. Its continued presence is a clear violation of my rights as a consumer and is causing unnecessary harm to my financial credibility.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Account CREDENCE RESOURCE MANAGE # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action. 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: DISCOVER BANK
State: NC

Complaint narrative:
I am disputing the reporting of a charge-off on my account. The account is being reported as charged off on my credit reports. 

Under IRS regulations ( specifically Form 1099-C reporting requirements ), when a creditor charges off a debt and deems it uncollectible, the creditor is required to issue a 1099-C to the consumer if the canceled debt exceeds {$600.00}. In this case, the creditor has reported the debt as a charge-off but has not issued a 1099-C to me, nor has any cancellation of debt been reported to the IRS to my knowledge XXXX 

This creates a significant legal inconsistency. If the account is being reported as a charge-off, then the debt is presumed canceled or forgiven. If the debt was not canceled, and a 1099-C was not issued, then the creditor should not be reporting it as a charge-off. This is not only misleading but also a potential violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit reporting agencies must be accurate and complete. 

The continued reporting of this account as charged off without any substantiating IRS Form 1099-C or evidence of actual cancellation is materially harming my credit profile and may also constitute willful misrepresentation of the accounts status. If this matter is not resolved promptly, I am fully prepared to pursue legal remedies under the FCRA and other applicable federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: VA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

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