vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is being submitted because Experian, Equifax, and TransUnion have all verified a XXXX  repossession account ( Account # XXXX, Balance {$23000.00} ) WITHOUT ever providing proper validation, documentation, or a lawful method of verification. I have disputed this account multiple times for over 90 days, and XXXX  response proves that none of the credit bureaus conducted a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ). XXXX sent me nothing but ( 1 ) a copy of the original contract, ( 2 ) several Notices of Intent to Accelerate, and ( 3 ) a generic payment ledger NONE of which verify the accuracy of a repossession or charge-off reported to the credit bureaus. None of these documents provide the Date of First Delinquency ( DOFD ), which is required by FCRA 623 ( a ) ( 5 ) ; none provide a charge-off calculation, which is required to prove balance accuracy under FCRA 607 ( b ) ; none provide itemized principal vs interest allocation ; none provide proof of ownership, chain of assignment, or Metro-2 compliant status codes ; and none provide the method of verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). A contract from several years ago does NOT validate a repossession, a charge-off, a balance, or the reporting accuracy. The credit bureaus were required to obtain and supply : the DOFD, the full itemized accounting ledger including how the final balance was calculated, the repossession sale documentation and deficiency explanation, all Metro-2 fields used when furnishing, the collector or lenders verification records, and proof of continued ownership. 
None of this was provided by any bureau, yet they marked the account verified, which is a blatant violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) because they are furnishing information they can not prove is accurate. The documents XXXX provided do NOT validate a repossession, and the credit bureaus accepting this as verification is unlawful. ALL THREE BUREAUS verified the account without verifying ANY of the information required by law. This is a pattern of improper reinvestigations, stall tactics, and inaccurate reporting consistent with the long history of lawsuits and federal enforcement actions against both the credit bureaus and XXXX for illegal practices. This debt has NOT been verified, and the credit bureaus are fully aware of what is required for lawful validation yet they ignored the law and reported it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I returned something to nortstroms via there shipping label they recieved back what they shipped me and they will not refund me nor explain why they wont refund me I filed a dispute with Nortstrom visa who does not help me when I try contacting them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I just checked my credit report again and these inaccurate accounts are still there. They have not been taken out at all. This situation is overwhelming and I am asking that the documents I sent be carefully reviewed so that I can finally stop stressing over this.

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 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
I checked my recent credit report and there were multiple accounts reporting improperly on my report and according to FCRA LAWS I have the right to remove all inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
I checked my recent credit report and there were multiple accounts reporting improperly on my report and according to FCRA LAWS I have the right to remove all inaccurate information.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am formally requesting that you cease and desist all communication and collection activities regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that your agency discontinue contacting me. 

Effective immediately, you are required to stop calling, texting, emailing, mailing, or otherwise attempting to contact me regarding this account. The only communication permitted by law after this notice is : 1. To inform me that further collection efforts are being terminated, or 2. To notify me of any specific legal action you intend to pursue. 



Additionally, I am disputing this debt and request that you provide written validation if you intend to continue collection efforts. Until proper validation is provided, you must cease all reporting or update your reporting to reflect this account as disputed. 

Failure to comply with this request will constitute a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and XXXX XXXX failed to conduct a reasonable reinvestigation under FCRA 611. Despite providing full identity verification and supporting documentation, including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft please block and delete under FCRA 605B. 
XXXX. XXXXXXXX XXXX XXXX XXXX  This inquiry was not authorized by me. Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX This inquiry was not authorized by me. Please remove it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX  This inquiry was not authorized by me. Please remove it from my credit report. 
1. Public Record - XXXX XXXX XXXX XXXX I have never filed for bankruptcy. This is identity theft. Please block and remove under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
My partner paid off this credit card ( Avant LLC ), using a balance transfer from his bank, XXXX. That was written on XX/XX/XXXX. I've been calling them over and over again and they keep telling me to wait longer. In the meantime, they've charged me a late fee and fees for " going over the limit '' because of the late fees. When we called XXXX, they informed us that Avant cashed that check on XX/XX/XXXX. We called them immediately and they told us it could be more than XXXX weeks to get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In XXXX I filed a complaint to XXXX XXXX XXXX XXXX  about XXXX title loan and there predetatory interest rates being charged. I initially got a title loan for a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX door sedan. My car bluebook value was XXXX plus fees, interest rates they added totaling for XXXX be paid within a 2 year period. So the monthly payments after the first month ended up being XXXX each month. XXXX clearly was charging XXXX XXXX interest rates over a 2 year period. I stressed to XXXX corporate that I was being overcharged in fees and I also filed a personal complaint to XXXX XXXX XXXX XXXXXXXX in XXXX. I had a hard time repaying almost XXXX in payments a month. The third month XXXX repossessed it from XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX then sold it at a auction for only XXXX but still tried to charge me the entire loan amount. Then recently I received a postcard about settlement to my home in mailbox. XXXX contacting you seeking settlements due to predatory lending they where charged on title loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX XXXX XXXX Balance {$4900.00} Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$2200.00} opened XX/XX/XXXX. Tried to dispute the collection amount with the company because I Have never owned an account or phone line with XXXX XXXX XXXX. They told me that they could not help me and i had to pay the charge off. 

XXXX XXXX XXXX {$180.00} opened XX/XX/XXXX. Tried disputing this credit charge with credit karma because i never received/opened a credit card with this company and never heard of it and they denied it. 

XXXX XXXX XXXX ( XXXX ) {$970.00} opened XX/XX/XXXX. Never opened or applied for a loan with them I called the company, and they told me it was applied for with my SSN after i told them my wallet was stolen, and they still disagreed to take it off my credit. 

XXXX XXXX {$170.00} opened XXXX XXXX, XXXX. I have never opened an account and i tried contacting the company and disputing it with credit karma. 

Self-Lender {$420.00} opened XXXX XXXX, XXXX. The only credit card i should half on my credit is XXXX XXXX  with XXXX XXXX. I never applied for a self-credit card and i tried disputing it with self and they disagreed to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

Account Names and Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC  XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-27 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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