vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. My Social Security Number is. My Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX  XXXX  on XX/XX/XXXX, an account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened at XXXX on XXXX Ist, XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX. an account opened at XXXX XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-07-24 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I was scammed after my husband died. The scammer INSISTED I use Citizens Bank and only this bank which is an out of state bank for me. He always seemed to know what I was told by bank before I was informed. I confronted him and he said I have experience in banking. I am not bank savvy. Citizens Bank loaned me {$200000.00}. on XXXX. I have no assets, XXXX yrs old, my home, SS, very small retirement, and not employed. All of this was given to Citizens over phone and via email and their app. I WAS SET UP FOR FAILURE! Scammer sent me new checking account to pay off loan. Pay off cleared in 7 days and money showed back in HELOC account. I wanted to close account but Citizens Bank phoned and strongly encouraged me to leave money in HELOC in case I needed for emergency. After 3 more days, Citizens Bank ( XXXX? ) from fraud dept. called stating my name was not on account. She said money would come back out of XXXX, a lock would be placed on my Citizens account, and I still needed to make payments. This is when I knew it was fraud. I continued making payments, filed a fraud complaint with Citizens, and made repeated requests let me look at account since I was keeping up payments and requested copy of application. All request were denied! Last payment was doubled. No one in loan Dept. nor fraud Dept. could tell me why payment increased and could not recommend anyone that could explain it. I was refused access to view account. I spoke with XXXX in loan dept. and stopped payments on XXXX. ( I was told no one could give last name ). I filed reports with local police detective, FBI, FDIC, FTC, and State Atty. General. I shared my experience with a friend in financial industry and he informed me I didnt qualify for a used car loan much less a {$200000.00}. loan, based on my {$6200.00} in savings, age, and unemployment. Bank employee who approved loan should be fired due to youre insufficient savings and unemployment. No other bank in United States would loan you money based on youre current financial situation and fact that youre unemployed. 
I was contacted by XXXX XXXX, Citizens fraud Dept. He was very intimidating and rude. I answered all question and gave contact information with case number from my detective and FBI. I stated detective tried numerous times to contact fraud dept. by phone and emails. Detective stated no one would reply and he was forced to submit search warrants. He was informed that scammer possibly had someone on inside because he knew things before I did. He was also asked if he had a breach in security. XXXX XXXX stated he would contact detective and FBI. Detective still has not heard from Citizens last time we spoke. Detective stated he is up to XXXX victims with more to review. I wonder how many are told to use only use Citizens Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I did not apply for or use these accounts. They are fraudulent and should be removed immediately, followed by an investigation. Documentation is provided for your review.

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 2025-07-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
request a debt verification or validation of debt to PORTFOLIO RECOVERY, i dont have any contract verbally or in writing with this company its a third party company violating my rights by 15 US . CODE 1692G ALSO 15 U.S.C 1681I ALSO 168 1 I B AND 1681B ( a 6 a 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I recently obtained a copy of my credit report and found several inaccuracies, as well as unauthorized accounts and information listed. These discrepancies have negatively impacted both my financial well being and credit health.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account with Citibank. However, I never applied for, received, or activated a debit card for this account. On XX/XX/year>, I unexpectedly received an email from Citibank stating that a debit card would be mailed to me. Shortly after, I discovered four unauthorized transactions made with a debit card I never had in my possession : XXXX. XX/XX/scrub>XXXX XXXX XXXX XXXX ATM Withdrawal at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX. XX/XX/year>XXXX XXXX XXXX  Debit Card Purchase at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATM Withdrawal at the same location I immediately contacted Citibanks fraud department. However, they denied my claim, stating that the debit card had never left my control and therefore they were not liable for the charges. This is inaccurateI never requested or received the card in the first place, and it should not have been active. I believe this is a case of identity theft or internal error, and Citibank failed to properly verify the card request and protect my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I moved out of XXXX at XXXX XXXX XXXX. A balance was later sent to ProCollect, but I was never given an account number or documentation related to the debt. I contacted ProCollect multiple times to try to pay the balance, but they were unable to locate my account without additional information. I also reached out to XXXX at XXXX XXXX, but they told me they changed management companies and no longer have any record of my lease or information about the account. This unresolved debt is now affecting my ability to get approved for housing. I am trying to resolve it, but I cant get the necessary account details from either party.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a 120-day delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. 
This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect.

Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. 
If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX  ( XXXX ) in regards about returning their cable equipment. The very next week I went into my nearest XXXX  store to return said equipment. The lady at the desk asked me for my account information, which I gave to her, and took the equipment I owed them to the back. I did not receive a receipt or any type of proof that my equipment was now in their possession. My bill was {$140.00}. At the time, I did not have enough to pay it off. As the week goes by, I am waiting for a confirmation email that they received my equipment. XXXX week goes by and another still not hearing anything from them. On XX/XX/XXXX, I receive another email saying they have not received my equipment. I make a call to my local XXXX  where I dropped their equipment off. A lady answers the phone. I give her my name, address, account number, and explain to her the situation how I gave the equipment back to them. She looks my information up and tells me that there is no data in their system that reflects I returned it. I said to her that the employee I talked to while I was there said they marked it on my account and did not give me a receipt or anything. She acts as if there is nothing she can do about it, so I hang up. I receive another email saying that I need to return my equipment on XX/XX/XXXX, XXXX week later. On XX/XX/XXXX, I receive another email stating that this is the final reminder of my outstanding balance. It rose up to {$300.00} for missing equipment that was in their possession! On XX/XX/XXXX, I receive an email from Sequium Asset Solutions saying XXXX  ( XXXX ) has turned my debt over to them and that I owe them {$100.00}. As of today, XX/XX/year>, I got a notification on my phone that my credit score has gone down by XXXX points because of Sequium reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

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