vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting a 30-day late payment for XX/XX/XXXX. This is not only inaccurate it is a violation of federal law under the Fair Credit Reporting Act ( FCRA ). I am demanding this tradeline be corrected to reflect what it always should have shown : Pays as Agreed for every month reported, including XX/XX/XXXX. The account history speaks for itself : There was no past due balance at the time of the alleged delinquency There was no delinquent pattern before or after XX/XX/XXXX The final payment was made on XX/XX/XXXX, and the account was closed in good standing with a {$0.00} balance Payment history across every other month reflects on-time payments I was never notified of a late payment, which is required by FCRA 623 ( a ) ( 7 ) By reporting a 30-day late in isolation, while also displaying a Pays as Agreed status and no past due balance, XXXX XXXX XXXX is submitting factually false, incomplete, and misleading data to the credit reporting agencies. This violates : FCRA 623 ( a ) ( 1 ) ( A ) : furnishing data that is knowingly or negligently inaccurate FCRA 607 ( b ) : failure to use reasonable procedures to ensure maximum possible accuracy FCRA 611 ( a ) : failure to conduct a lawful reinvestigation 15 U.S. Code 1681n & 1681o : liability for willful and negligent noncompliance This is not a goodwill request. It is a formal legal demand that the XX/XX/XXXX entry be fully corrected to Pays as Agreed consistent with the accounts actual payment behavior and in compliance with federal law. Anything less is continued publication of false information and leaves XXXX XXXX XXXX and the reporting bureau subject to further liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I contacted this agency about the alleged debt, I told them the car was totaled and insurance would take care of it. Ultimately they are claiming that I owe them when I don't because of insurance and now its negatively affecting my credit reports. I demand that this agency sends me a copy of the contract, all statements, and all notices regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
CHIME FINANCIAL SERVICES FAILED TO UPDATE MY NAME IN THE SYSTEM LAST YEAR WHICH CAUSED AN ISSUE WHEN MY FUNDS CAME IN FOR DEPOSIT ON XX/XX/XXXX. THEY SENT THE FUNDS BACK. THEN, THE FUNDS WAS SENT BACK OUT AFTER THE CORRECTION OF MY NAME AND STILL NO FUNDS! IT HAS BEEN 8 DAYS WITH NO SIGNS OF MY MONEY. IT HAS NOT BEEN SENT BACK TO THE PAYOR. THEY NEED TO BE INVESTED. THE COMPANY IS NOT FUNCTIONING PROPERLY AND THEY HAVE DONE OTHERS THE SAME WAY. THEY WILL GIVE ANY INFO ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 a fraudulent account attached to my credit report. I did not apply for, authorize, or use this account in any form. Its inclusion is inaccurate and unjustly harming my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I filed a complaint with the CFPB against XXXX in XX/XX/2025, and their official response to the CFPB, XXXX agreed to delete this account from my credit file. Despite this agreement, the account is still being reported and I continue to receive harassing communications related to it. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they maintain. Since XXXX themselves confirmed that this account should be deleted, its continued reporting is inaccurate and unlawful. 

I am demanding that this account be immediately deleted from my credit file across all reporting agencies. Please confirm in writing once this deletion has been completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I reviewed my credit reports and found that multiple accounts are still being reported with serious inaccuracies despite several prior disputes. A collection from XXXX XXXX continues to show a {$2400.00} balance without providing any itemized breakdown, proof of ownership, or chain of title from the original creditor. A XXXX XXXX Bank credit card account is listed as a charge-off with a {$530.00} past-due balance but shows a {$0.00} credit limit, which is contradictory and misleading. A XXXX XXXX XXXX account XXXX was charged off and sold is still coded as derogatory even though the balance is {$0.00}, while a XXXX account that was paid after charge-off is also still displaying derogatory status. In addition, my mortgage accounts with XXXX Bank and XXXX XXXX XXXX continue to report late payments from XXXX through XXXX, but no billing statements or payment records have been provided to support those derogatories. Outdated addresses also remain on file, which increases the risk of mixed or merged credit reporting. These items have been challenged multiple times already, but the bureaus have failed to correct or delete them, leaving inaccurate and unverifiable derogatory data that continues to harm my credit.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
Good morning! 

I applied for a quicksilver credit card roughly around XXXXXXXX XXXX XXXX I am currently XXXX XXXX military and serving overseas. After receiving my acceptance, I downloaded the mobile app to log into my account. However, I had an issue due to the fact I have a XXXX phone number. It will not allow me to get the verification code. I called the customer service line at XXXX XXXX XXXXXXXX. Customer service directed me to the military line. I apologize because I do not remember the womens name however, she was very rude and had no solution. I was informed by customer service that providing proof ( military ID ) would allow me to use my email address as a 2-Step verification. The military line also confirmed I would be able to. However, she then contradicted herself and said she was unable to proceed. She then passed me off to a specialist who was also very rude and also not very responsive. She hung up the call. I then called customer service back, who was very nice, and she forwarded me to security again. Security then sent me a link via email to allow me to input my ID. However after doing so, he transferred me to another section, that I do not remember the name of. After being transferred 9 times, I was offered no solution. The very first women I talked to was very certain there was a solution but said she was unable to offer it do to her limited access to my account. I couldnt imagine why there wouldnt be a solution for military personnel, as Im sure I am not the first one to stumble across this issue. However, I was offered no solutions by any sections I was transferred to. As well as being on the phone for almost 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
My information was involved in the XXXX XXXX XXXX XXXX and account were opened under my identity. I didn't know about it until I set up an account with all 3 CREDIT AGENCIES, when I contacted them to explain that none of these accounts belong to me and the the addresses on my report are fraudulent, they wouldn't remove them because ( CREDITORS are reporting the addresses ). I told them the one and only address that should be on my reports, I believe they added it to it, but would not remove the other one 's. All the accounts are fraudulent, the inquiries are as well, I seen an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never applied to either one of these financial institutions. I'm uploading my DISPUTE LETTER AND PROOF OF MY IDENTITY. I PRAY THAT THESE SITUATIONS CAN BE CLEARED UP IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Experian Equifax TransUnion XXXX You are invading my privacy on public records and allowing creditors to see information that you have not received my consent or communicated with me on your actions example ( bankruptcy that has been filed previously or in the past ) As a XXXX citizen under the 15 U.S.C. 1681a ( XXXX ) defines " affiliates '' as persons related by common ownership or affiliated by corporate control, according to the text of the Fair Credit Reporting Act.

15 U.S.C. 1681a, as a whole, outlines definitions and rules of construction for the Fair Credit Reporting Act ( FCRA ). Section XXXX ( XXXX ) specifically focuses on clarifying the meaning of " affiliates '' within the context of the FCRA. The FCRA aims to ensure the accuracy, fairness, and privacy of information used in consumer reports. It regulates how consumer reporting agencies collect, use, and disclose information about consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Please remove my bankruptcy information off of all credit bureaus starting today! 

If you continue showing my public records with my bankruptcy information attached or any information that I have not allowed you to proceed with without my consent I will be taking legal action immediately! 

You have ruined my reputation and also my life I have been rejected and denied for housing and other important life emergencies based off of your information in the public system on XXXX and other network search engines that you are organized with. 

You have XXXX business days from this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: IL

Complaint narrative:
I am filing this formal complaint against Professional Account Management , LLC regarding their improper collection efforts for an alleged toll violation that I do not owe and that remains under appeal with the Georgia State Road and Tollway Authority ( SRTA ), the original creditor. 
On XX/XX/year>, I submitted a written appeal directly to SRTA with full supporting documentation demonstrating that my vehicle was properly registered to an active XXXX account with sufficient funds at the time of travel. Despite this, SRTA erroneously escalated the matter to collections before properly resolving my appeal. 
On XX/XX/year>, I received a collection letter from Professional Account Management , LLC. On XX/XX/year>, I responded in writing, formally disputing the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that dispute letter, I made it clear that : This matter is currently under appeal with SRTA and has not been validated.

My account was properly funded and successfully processed tolls in Illinois, Indiana, and Georgia, proving no violation occurred.

As the debt is disputed, all collection efforts must cease until the debt is validated by the original creditor.

Despite my timely dispute, Professional Account Management , LLC has continued to pursue collection and the account is now impacting my credit report. This constitutes unfair and improper debt collection activity, as the alleged debt has not been validated.

I respectfully request that the CFPB assist in ensuring that Professional Account Management , LLC : 1. Immediately ceases all collection activity on this disputed debt.

2. Removes any and all negative credit reporting related to this matter.

3. Provides written confirmation that this disputed account has been closed with a XXXX balance and will not be pursued further. 
I am attaching a copy of my dispute letter to Professional Account Management , LLC as well as supporting documentation showing that my account was properly funded at the time of the alleged violation. 
Thank you for your prompt attention to this matter. I trust that the CFPB will help ensure this agency complies with the FDCPA and corrects the harm caused by its improper actions.

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 2025-08-21 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: MI

Complaint narrative:
Experian Equifax TransUnion XXXX You are invading my privacy on public records and allowing creditors to see information that you have not received my consent or communicated with me on your actions example ( bankruptcy that has been filed previously or in the past ) As a XXXX citizen under the 15 U.S.C. 1681a ( XXXX ) defines " affiliates '' as persons related by common ownership or affiliated by corporate control, according to the text of the Fair Credit Reporting Act.

15 U.S.C. 1681a, as a whole, outlines definitions and rules of construction for the Fair Credit Reporting Act ( FCRA ). Section XXXX ( XXXX ) specifically focuses on clarifying the meaning of " affiliates '' within the context of the FCRA. The FCRA aims to ensure the accuracy, fairness, and privacy of information used in consumer reports. It regulates how consumer reporting agencies collect, use, and disclose information about consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Please remove my bankruptcy information off of all credit bureaus starting today! 

If you continue showing my public records with my bankruptcy information attached or any information that I have not allowed you to proceed with without my consent I will be taking legal action immediately! 

You have ruined my reputation and also my life I have been rejected and denied for housing and other important life emergencies based off of your information in the public system on XXXX and other network search engines that you are organized with. 

You have XXXX business days from this complaint

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 2025-08-21 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: MI

Complaint narrative:
Experian Equifax TransUnion XXXX You are invading my privacy on public records and allowing creditors to see information that you have not received my consent or communicated with me on your actions example ( bankruptcy that has been filed previously or in the past ) As a XXXX citizen under the 15 U.S.C. 1681a ( XXXX ) defines " affiliates '' as persons related by common ownership or affiliated by corporate control, according to the text of the Fair Credit Reporting Act.

15 U.S.C. 1681a, as a whole, outlines definitions and rules of construction for the Fair Credit Reporting Act ( FCRA ). Section XXXX ( XXXX ) specifically focuses on clarifying the meaning of " affiliates '' within the context of the FCRA. The FCRA aims to ensure the accuracy, fairness, and privacy of information used in consumer reports. It regulates how consumer reporting agencies collect, use, and disclose information about consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Please remove my bankruptcy information off of all credit bureaus starting today! 

If you continue showing my public records with my bankruptcy information attached or any information that I have not allowed you to proceed with without my consent I will be taking legal action immediately! 

You have ruined my reputation and also my life I have been rejected and denied for housing and other important life emergencies based off of your information in the public system on XXXX and other network search engines that you are organized with. 

You have XXXX business days from this complaint

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 2025-08-21 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: FL

Complaint narrative:
I recently reviewed my credit report and found a fraudulent account. This account is negatively impacting my ability to buy a home and obtain new credit. Please immediately remove this fraudulent 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