vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This letter is a formal complaint that CITI BANK is reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial wellbeing and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.

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 2025-07-07 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: GA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute multiple hard inquiries listed on my TransUnion credit report. These inquiries were not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be unauthorized. 

Below are the inquiries I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-07 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: NY

Complaint narrative:
Sent in a validation notice to contest the debt before it was legally supposed to be reported. I did not believe a proper validation of the debt notice. And they still reported the debt prior to the debt being disputed, and communicated with with while the debt was in dispute. From records show that they started reporting on my report on XX/XX/XXXX, and I didn't receive notice during that time. And I sent in a dispute within the time frame for the account not to show before being validated. I am now asking for the investigation taken into this account before reporting the debt. XXXX XXXX XXXX debt collection agency, I also sent them a cease and desist, and that I would not pay, and they still violated the law because of not have permissible purpose to report on my credit report under the FDCPA - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : If you dispute a debt in writing within 30 days of receiving the initial notice, the debt collector must cease collection activities, including reporting to credit bureaus, until they provide validation of the debt. Validation includes proof of the debt 's existence, amount, and their right to collect it.

Section 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) : After receiving a written cease-and-desist request, the debt collector must stop communicating with you, except to confirm cessation, invoke remedies, or notify intent to invoke remedies. 
Section 806 ( 15 U.S.C. 1692d ) : Prohibits harassment or abuse, which could include continued contact after a cease-and-desist request.

Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, such as reporting a debt as valid without proper validation.

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 2025-07-07 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: NY

Complaint narrative:
Sent in a validation notice to contest the debt before it was legally supposed to be reported. I did not believe a proper validation of the debt notice. And they still reported the debt prior to the debt being disputed, and communicated with with while the debt was in dispute. From records show that they started reporting on my report on XX/XX/XXXX, and I didn't receive notice during that time. And I sent in a dispute within the time frame for the account not to show before being validated. I am now asking for the investigation taken into this account before reporting the debt. XXXX XXXX XXXX debt collection agency, I also sent them a cease and desist, and that I would not pay, and they still violated the law because of not have permissible purpose to report on my credit report under the FDCPA - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : If you dispute a debt in writing within 30 days of receiving the initial notice, the debt collector must cease collection activities, including reporting to credit bureaus, until they provide validation of the debt. Validation includes proof of the debt 's existence, amount, and their right to collect it.

Section 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) : After receiving a written cease-and-desist request, the debt collector must stop communicating with you, except to confirm cessation, invoke remedies, or notify intent to invoke remedies. 
Section 806 ( 15 U.S.C. 1692d ) : Prohibits harassment or abuse, which could include continued contact after a cease-and-desist request.

Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, such as reporting a debt as valid without proper validation.

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 2025-07-07 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Experian. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized 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  ) In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent.

15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply. 
15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I am filing this complaint because OppLoans is reporting a charged-off account in a way that is inaccurate, misleading, and actively harming my credit. 

The account was charged off in XX/XX/XXXX, but is still being reported as past due as of XX/XX/XXXX, which appears to be an illegal attempt to re-age the debt. It also lists a {$3100.00} balance, even though the status says Paid off. These contradictions violate the Fair Credit Reporting Act ( FCRA ). 

Because of this continued re-aging and negative monthly reporting, I was recently denied credit, which has caused financial hardship and further limited my ability to rebuild responsibly. 

I believe this account is being reported to XXXX XXXX XXXX XXXX, and I request that it be : Fully deleted from all credit reports, OR Corrected to reflect the original charge-off date ( XXXX ), with a {$0.00} balance and no ongoing monthly derogatory marks The continued reporting of this account is not accurate, is no longer verifiable, and is causing material damage to my credit profile. I have attached screenshots for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am submitting a formal complaint against XXXX regarding several debt collectors including Portfolio Recovery Associates, XXXX XXXX XXXX, and others that were originally listed as collections but have since been reclassified as closed accounts with balances still reporting. 

These accounts were previously disputed and have never been properly verified. None of the furnishers have provided contracts, statements, or chain of title documentation to validate their legal right to collect or report. 

XXXX is continuing to report these as closed tradelines with balances, which is misleading, damaging, and possibly duplicative of collections appearing under other agencies. This practice violates FCRA 1681i and 1681s-2 ( b ). 

I am requesting a full deletion of any Portfolio Recovery, XXXX, or related accounts that remain unverifiable or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am not satisfied with the companys response. While the file is now marked as Active Dispute, this does not resolve the issue or explain the investigation findings. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), I have the right to know : 1. The method of verification used 2. The date the investigation was initiated and completed 3. The party contacted during the investigation 4. Whether the furnisher could verify the accuracy of the disputed account I am requesting full documentation and a clearer explanation of the investigation process and outcome. I also ask that the dispute be resolved fully, not left as active dispute status without clarity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC ( original creditor : XXXX XXXX XXXX XXXX ). This account is reporting beyond the legal 7-year limit under the Fair Credit Reporting Act ( FCRA Section 605 ).

The original debt was charged off more than 7 years ago, yet it continues to be reported on my XXXX credit file.

I have attempted to dispute this with the credit reporting agency, but it was verified without providing documentation of the actual Date of First Delinquency ( DOFD ). 

I am requesting that this account be permanently removed from my credit report in accordance with FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Deposited check into account on XX/XX/scrub>XXXX for {$23000.00}. Check clears.

XXXX : A Chase business account that I applied for was approved. I attempted to transfer {$25000.00} into that account ( from {$53000.00} total in my personal checking ) as my budget to start my new business. 

Immediately following the attempted transfer, both my personal checking, my new business checking, and my Chase credit card were all frozen and inaccessible by me. 

I have talked to 7 or so at Chase via phone since then ( went to 2 branches and they said they couldnt do anything ). Although solutions would vary depending on who I talked to, the consensus is that Chase will scan for a verified phone number in their system, that is tied to the business who wrote me the check. It always came up with nothing and I asked MANY times on how to get a verified phone number and they werent allowed to tell me. Obviously hard to follow rules when you dont know what they are.

I did however have a 3 way call with Chase, myself, and the gentleman ( longtime family friend ) who wrote the check, and that didnt sway them either. I provided the business owners cell phone number, and even his wifes number. We even provided the bank info to the bank where the check came from. They still didnt care.

One employee even admitted that it shouldnt have flagged me because the check was written to me, an individual, but because it did, I have to be dragged through this. 

I have exhausted every bit of info to prove there is no fraudulent activity to get my money, and nothing. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 


I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
Im requesting the immediate deletion of the XXXX account ( Account # XXXX / XXXX ) from my credit report due to inaccurate and conflicting reporting. 

This account is already closed and paid in full, with a {$0.00} balance, yet your records still show 30-day and 60-day late payments in late XXXX and early XXXXThats inaccurate and misleading especially since the final status of the account is marked Current at the time of closure.

Under 15 U.S. Code 1681i ( FCRA 611 ), you are required to remove or correct any information that can not be verified or is inaccurate. Given the conflicts in reporting, I am requesting that you delete this account from my credit file entirely. 

Please complete your reinvestigation and send written confirmation of the deletion within 30 days, as required by 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