vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my credit report, including erroneous addresses and incorrectly reported accounts. These errors have caused significant financial hardship, emotional distress, and potential damage to my creditworthiness. Despite repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these inaccuracies remain uncorrected.

Unauthorized / Duplicate Inquiries XXXX XXXX XX/XX/2024 Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This inquiry was not authorized. It unfairly reduces my credit score.

Closing Statement Every false address and unauthorized inquiry listed above violates my rights under the FCRA. These items harm my reputation, reduce my credit score, and wrongly portray me as financially irresponsible. The law requires you to investigate and remove all inaccurate information within 30 days under FCRA 611 ( a ) ( 1 ) ( A ).

Impact & Request for Action : These inaccuracies have caused financial and emotional hardship, including denial of credit and increased stress. Under FCRA 1681i, I am entitled to have inaccurate, incomplete, or unverifiable information investigated and corrected. I request CFPB to investigate these accounts and incorrect addresses, direct the credit reporting agencies and creditors to remove or correct all disputed information, and ensure my credit report accurately reflects my true credit history.

Failure to correct these errors constitutes violations of FCRA and FDCPA and may subject the responsible parties to legal remedies, including actual damages, statutory damages, and attorney fees as outlined in 15 U.S.C. 1681n, 1681o, and 1692k.

I request written confirmation of your receipt of this complaint and prompt action to resolve these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'Credit bureaus requested information about my credit history without my authorization. This is having consequences for my credit report, as it appears as an inquiry that has affected my credit history for two years. I would like to request that it be removed immediately, as it was unauthorized.\nThe inquiry is:XXXX XXXX XXXX XXXXADDRESSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDated XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
On XXXX an unauthorized withdrawal of {$520.00} was made from my XXXX XXXX account by Dave, Inc. I had removed my bank information from Dave and did not authorize this transaction.

I contacted Dave, Inc. requesting a refund under Regulation E of the Electronic Fund Transfer Act, which protects consumers from unauthorized electronic debits. Dave has not refunded the money.

This unauthorized withdrawal has caused significant financial hardship. I am currently in bankruptcy proceedings, and my attorney ( Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ) has been notified. 

I am requesting a full refund of {$520.00} and written confirmation that my payment information has been removed to prevent further unauthorized withdrawals.

Company : Dave, Inc.

Dave, Inc. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have also blocked them as a merchant from with my bank but they changed theirs name by adding Inc. and were able to take the money out. Although Ive contacted them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, i noticed an email saying that my account information was changed. I did not do that, i called citi bank 30 mins after i saw that, told them, i didnt change anything. Asked them to block my account so no one was able to use it. It didnt work, the card was being used right away, someone had it and he was also able to hack my ONLINE ACCESS. Called CITI houndred of times non stop, until you get tired, i spoke with a lot of humans 2-3 hours, they couldnt block a credit card. I tried everything in my power but citi representatives cant think on their own so they cant fix an issue out of their books, this issue was extremely easy to fix, block the card, block the online acces, delete online access, send me new codes/cards to another address as i BEG THEM TO DO LOT OF TIMES. But no, citi reps, cant understand anything, i spoke with them on english, XXXX, went to the BANK AND MADE A REP FROM THE BANK EXPLAIN THE SITUATION 3 TIMES. IT DIDNT WORK, CITI is just a bank that works with pure BOTS that cant solve anything.

Something pretty much similar happened with XXXX XXXX XXXX, another stolen card from my mailbox, they blocked the card and access in 5 minutes, with the FIRST HUMAN I SPOKE OVER THE PHONE. 10 days later they disputed everything and SOLVED THE ISSUE. IT TOOK 15 DAYS TO RESOLVE THE ISSUE.

CITI BANK HAD MY ISSUE FOR 6 MONTHS WITH NO HUMAN ANSWERS. THE ONLY WAY THAT I GOT A HUMAN TO TRY TO FIX IT, WAS WHEN I DID THE CLAIM HERE AND IN XXXX. 

It wasnt hard to solve, it was hard to speak with a real human in CITI. Even on the Banks they told me they couldnt do anything because Credit card was a different department. So only option was over the phone, with people that was ASKING ME FOR THE CREDIT CARD.... THE STOLEN ONE!!!!!!!!!!!!! WHAT HUMAN ASKS YOU TO PROVIDE THE INFORMATION OF THE STOLEN ITEM????????????? HOW???????? HOW IF SOMEONE STEALS YOUR ITEM, YOU WOULD KNOW THE INFORMATION OF THIS ITEM?????????????????? IT TOOK ME MONTHS OF TALKING WITH HUMAN BOTS IN CITI TO GET 1 HUMAN TO FINALLY UNDERSTAND IT AND HE SOMEHOW WAS ABLE TO CLOSE THE ACCOUNT, AFTER 3 MONTHS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

CITI BANK SHOULD NOT BE A BANK, THEY ARE INCOMPETENT, THEY DONT KNOW HOW TO ANSWER, THEY DONT ACT LIKE HUMANS, THEY DONT HAVE SUPERVISORS AVAILABLE TO ANSWER, THEY A
RE THE WORST PROBLEM SOLVING BOTS I EVER SAW

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of several alleged debts you claim I owe. This letter also serves as a demand to cease and desist all collection activities related to the following accounts, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : {$530.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Your collection and reporting activities regarding these accounts are inaccurate, unverifiable, and harmful to my credit profile. Specifically, you have failed to provide verifiable documentation that : I am legally obligated to these alleged debts.

LVNV Funding LLC has proper chain of title and the legal right to collect them.

The balances claimed are accurate and free from unlawful or inflated charges.

Accordingly, I demand the following : Cease and Desist Immediately stop all communication with me regarding these accounts, including calls, letters, emails, or any other form of contact, except as allowed under the FDCPA.

Debt Validation Provide full validation for each alleged debt, including the original signed contracts, complete payment histories, and proof of lawful assignment. Without this, you must immediately terminate all collection efforts.

Credit Reporting If any of these accounts are being reported to credit bureaus, be advised that inaccurate or unverifiable reporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are required to delete or correct these entries immediately.

Legal Notice Any continued attempts to collect or report these accounts without proper validation will be considered willful violation of federal law. I reserve the right to pursue all available legal remedies, including damages, statutory penalties, and attorneys fees.

This letter is not an admission of liability. It is a good faith effort to assert my rights under the FDCPA and FCRA and to protect myself from further unlawful conduct.

You have 30 days from receipt of this notice to provide full validation of these accounts or to confirm in writing that these matters are closed and all credit bureau reporting deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2025-08-28 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: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-08-28 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am concerned about an unfamiliar inquiry that appears on my credit report. I did not authorize, apply to, or provide consent for this company to access my information, and I am trying to understand how and why this happened. This situation is causing me significant stress and XXXX, and I take my financial privacy very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Request for Permanent Deletion of Inaccurate Account Avant/XXXX  Complaint Text : I am submitting this complaint regarding my Avant/XXXX account XXXX opened on XX/XX/XXXX, and closed/charged-off on XX/XX/XXXX. 

Issue : This account is being reported inaccurately : 1. Rolling late payments continue to be reported through XX/XX/XXXX, after the account was closed/charged-off. 


2. Balance over the credit limit ( 127 % utilization ) is being reported on a closed account.

3. Contradictory account status : it is listed as Closed, Charged-off, In Collections, and still past due. 



This reporting is factually inaccurate, misleading, and constitutes re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 

Requested Action : I request that this account be permanently deleted from my credit report, including all associated late payments, balances, and utilization history. I do not want this account to ever be reinserted on my credit report in any form. 

Attached is evidence from my current credit report showing the continued late payments, over-limit balance, and account status errors. 

Please investigate this matter and remove this account entirely from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation