vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for reporting multiple inquiries on my credit report that I did not authorize. These inquiries are incorrect, and they are negatively impacting my credit score. 

Examples of unauthorized or inaccurate inquiries include ( not limited to ) : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and many others. 

Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and others. 

These inquiries were not authorized by me, and I did not give permission for these entities to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to ensure that all reported information is accurate and to protect consumer data from unauthorized access. 
Requested Resolution : Immediate deletion of all unauthorized and inaccurate inquiries from my credit reports.

Written confirmation that these inquiries have been removed.

Assurance that stronger safeguards will be applied so my credit report is not released without my authorization in the future. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to dispute and request immediate removal of multiple fraudulent accounts that were added to my Equifax XXXX  XXXX  credit file without my knowledge or authorization. I am a victim of identity theft connected to the recent XXXX XXXX data breach, and I have obtained an official police report from the XXXX XXXX Police Department that confirms I was a target of this crime. 
XXXX  does not have the authority to determine the validity of my victim status, which has been lawfully verified through law enforcement under the Fair Credit Reporting Act. 
Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting a block and permanent deletion of the following accounts that are the result of fraudulent activity XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/year>XXXX  Current Balance : {$42000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Complaint Summary I am filing this complaint regarding inaccurate and mishandled information in my credit file. The furnisher and/or credit reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Complaint The account in dispute is : NISSAN MOTOR Creditor/Collector : NISSAN MOTOR Account Number : XXXX The following violations apply : 15 U.S.C. 1681s-2 ( b ) : The furnisher did not conduct a reasonable investigation after being notified of a dispute and failed to correct or delete inaccurate information. 

15 U.S.C. 1666b : Payments were not credited promptly, resulting in inaccurate reporting of balances or delinquencies.

15 U.S.C. 1666i : My rights to assert claims and defenses regarding billing disputes were not honored.

15 U.S.C. 1681b ( f ) : My consumer report was used or obtained for purposes not authorized under the FCRA.

15 U.S.C. 1681n : The entity willfully failed to comply with the FCRA, exposing me to damages.

15 U.S.C. 1681o : The entity negligently failed to comply with the FCRA, exposing me to damages. 

Consumer Harm Because of these failures, I have experienced [ explain specific harm such as denial of credit, higher interest rates, reputational damage, time lost, etc. ]. 

Requested Resolution Immediately correct or delete the inaccurate information from my credit report. 

Provide me with written confirmation of the corrections. 

Implement procedures to ensure future compliance with federal law. 

Provide compensation for damages caused by negligent and/or willful noncompliance, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
on XX/XX/year>XXXX  my checking account that i have had for XXXX years with America First was closed due to a negative balance- how ever I have been making deposits to try and get it back to a good standing- I had gone into the branch physically twice and requested to stop REG E- with two different tellers the first one had no idea what I was talking about and said it was done .. Then I had two charges go through one of which has been disputed multiple times due to identity theft- the charges continued to go through and it left me negative over XXXX at one point. I was still getting deposits and making payments on time for both my credit card and my line of credit with America first - every penny I made went towards that balance to try and get it down. I spoke once with the fraud department and let them know I was working on getting it taken care of but i'm a single parent trying to stay afloat- she quote " as long as deposits are made with in 30 days they wont close your account '' I've had deposits go in ever 7 or 12 days - again keeping both credit card and line of credit in good standing. When the account was closed i called the next day and spoke with someone who was very UNPROFESSIONAL- she kept reading a script and didn't seem to want to find a solution. When i told her to stop saying " sorry '' she yelled and said " okay i'm NOT SORRY XXXX I '' M NOT SORRY THIS IS HAPPENING TO YOU! '' again not trying to resolve anything. I let her know i paid what was owed but majority of what was due is fees for overdraft which i had opted out of over 2-3 months ago. I did attach proof of the deposits. I offered to set up a post dated payment to get the account back in good standing and she said i had to go in. I don't have the means since I am the bread winner and don't have a lot of time where i can squeeze to go in and feel humiliated for my account being closed. I tried to ask the lady when they called or if a letter was sent letting me know what was going to happen she stated a call was made but no message was left and it was back in XXXX! no letters sent no attempts to reach me via email which I have always responded to. Now this is about to impact my credit when I have always made payments to America First. I feel like XXXX is a bank disguised as a credit union. They don't take care of their members like they used to. They also sent one letter saying they are going to close my sons account unless i find someone else. Its only {$100.00} that is owed and it was closed, when i have made attempts and it shows with my deposits via, rover, XXXX, XXXX, and XXXX. I have attached screenshots of my account that show all the fees and the attempts that i have had to make deposits. The lady was very rude and made me feel like i was worthless for going through a hard time, which i think is very wrong despite the position she is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

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 ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
This account is reporting on my consumer credit report fraudulently and I don't recognize this account. It's hurting my ability to obtain credit. 

XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau

. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts listed on my credit report. These accounts do not belong to me, were never authorized, and are false representations of my financial history. Their inclusion is harmful, misleading, and a violation of my right to fair and accurate reporting.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable reporting on my credit files, compounded by a recent data breach admitted by XXXX. 

On XX/XX/year>, I received a breach notice from XXXX  confirming my Social Security Number and Date of Birth were exposed in a XXXX incident. Since then, my credit reports have reflected disputed items that remain unresolved : I am filing this complaint against Summit A-R, Inc., a debt collection agency, for attempting to collect and report a debt that is not legally owed and for failing to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA ). 

Summit A-R is reporting a collection account tied to XXXX XXXX XXXX in the amount of {$2300.00} ( Acct # XXXX ). This account was deleted from my XXXX  file XX/XX/year> but not from XXXX. Original letters sent out XX/XX/year> and received XX/XX/year>XXXX  to XXXX. 

On XX/XX/year>, I sent Summit A-R a certified Debt Validation Request under FDCPA 809 ( b ). Instead of providing the legally required documentation ( ownership of the debt, a signed contract bearing my name, and a complete payment history ), Summit only mailed me a copy of a billing summary/registration form. This does not constitute proper validation under federal law. Despite this failure, Summit continues to report the account to all three credit bureaus, damaging my credit. 

Violations : Continuing collection activity without providing proper validation ( FDCPA 809 ( b ) ).

Furnishing unverifiable information to consumer reporting agencies ( FCRA 623 ( a ) ).

Reinsertion of deleted information without certification or proper notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi bank froze my account and will not tell me why my account is frozen.

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 2025-09-10 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. 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, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/scrub>XXXX a XXXX account was created fraudulently using my name, phone number, email address, home address, and debit card number. The person who created the account immediately transferred {$490.00} to a XXXX XXXX XXXX XXXX of XXXX. The person then attempted to withdraw another {$380.00} to the same person, but was stopped when my bank, Bank of America, flagged the transaction as suspicious. Upon receiving the notification of a suspicious charge, I immediately filed a fraud claim with my bank. On XX/XX/scrub>XXXX the withdrawal of {$490.00} cleared and the money was fully sent to 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 monetary relief