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

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -COLLECTION PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX  Inquired on XXXXXXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 non-monetary relief
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were made in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I consent to them or apply to these companies. I am in dismay and disbelief that such actions were taken in violation of my rights as a consumer. This is absolutely insulting to me as a law-abiding citizen.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I disputed and successfully removed the fraudulent account XXXX XXXX - XXXX from my credit report as a result of identity theft, supported by my official FTC Identity Theft Report ( No. XXXX ). 

On XX/XX/year>, the same account was illegally reinserted into my credit file without providing written notice within 5 business days and without a certification of accuracy from the data furnisher. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and 611 ( d ). 

This improper reinsertion has caused : A significant drop in my credit score Negative impact on an active mortgage application Loss of time and emotional distress due to multiple unsuccessful attempts to resolve this directly with Equifax I demand that Equifax permanently block and delete this account in compliance with 15 U.S.C. 1681c-2, and provide written confirmation of its removal, along with any documentation that allegedly authorized this reinsertion.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$89.00}

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 2025-08-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
My name is XXXX and I am a XXXX veteran that has been trying to get my account unlocked from direct express for over two weeks now. Direct  Express has told me that I need to do an identity verification which I have done on five separate occasions with five different representatives. After I completed the identify verification on the phone, they told me to send in my ID, which is expired so I sent that in front and back and they told me they couldnt unlock my account because my ID was expired which I already told them that it was expired before I sent it to them. Then they told me to send in a photo of my Social Security card and birth certificate and that would be sufficient to unlock my account. I sent in both of the items that were requested, and now they are still refusing to unlock my account and telling me that I need other things to provide to them for to prove who I am, but I have already provided everything that they needed and asked for from the beginning I am bed ridden Im almost XXXX XXXX XXXX. I cant go get a new ID. I need them to unlock my card and my account otherwise Im going to be evicted and homeless with nowhere to go and all of my money is in that account like I said I have been able to verify who I am. They know Im alive and they know I am the one that is trying to get access to my card and my money which they are refusing to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

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 2025-08-09 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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Ive been disputing through XXXX XXXX XXXX XXXX  concerning Credence Resource and for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). The credit bureaus have been updatIng and verified that the debt is accurate. The collection agency responded by mailing me only a bill or payment demand. This does not meet the legal requirements for debt validation.under federal law. They failed to provide : Proof that the debt is valid and the amount is accurate Documentation that they are legally authorized to collect this debt A copy of the original signed agreement or contract An itemized accounting of the alleged debt Despite my dispute, they have continued to attempt collection and/or continue reporting this debt to the credit bureaus without proper validation. This violates 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection until sufficient validation is provided. I am requesting that the CFPB take action to ensure the collector either provides proper validation or ceases all collection and deletes the account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
I am filing this complaint against Equifax Information Services LLC for the unlawful and inaccurate reporting of the following account : XXXX Acct XXXX XXXX Status : Transferred or Sold / Charged-Off XXXX balance Comments : Account Transferred or Sold / Charged Off This account is being reported as Transferred or Sold and Charged-Off even though the original creditor no longer owns the debt. Under the Fair Credit Reporting Act ( FCRA ), once an account is sold or transferred, the original creditor can not continue reporting it as an active derogatory tradeline. 

In addition : If the account was sold to a collection agency, the original creditor has no legal right to continue reporting it as a charge-off or delinquent. 
The account has been illegally reinserted into my Equifax credit file without the notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates notifying the consumer in writing within 5 business days of reinsertion. I received no such notice.

This reporting is misleading, inaccurate, and violates 15 U.S.C. 1692g of the FDCPA because no written validation of the debt was provided prior to reporting. 

I have an open binding arbitration case against Equifax regarding this matter : Case XXXX XXXXXXXX XXXX XXXX vs. Equifax Information Services Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am filing this complaint against Equifax Information Services LLC for the unlawful and inaccurate reporting of the following account : XXXX Acct XXXX XXXX Status : Transferred or Sold / Charged-Off XXXX balance Comments : Account Transferred or Sold / Charged Off This account is being reported as Transferred or Sold and Charged-Off even though the original creditor no longer owns the debt. Under the Fair Credit Reporting Act ( FCRA ), once an account is sold or transferred, the original creditor can not continue reporting it as an active derogatory tradeline. 

In addition : If the account was sold to a collection agency, the original creditor has no legal right to continue reporting it as a charge-off or delinquent. 
The account has been illegally reinserted into my Equifax credit file without the notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates notifying the consumer in writing within 5 business days of reinsertion. I received no such notice.

This reporting is misleading, inaccurate, and violates 15 U.S.C. 1692g of the FDCPA because no written validation of the debt was provided prior to reporting. 

I have an open binding arbitration case against Equifax regarding this matter : Case XXXX XXXXXXXX XXXX XXXX vs. Equifax Information Services Inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated. 
3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, 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