vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
I am submitting this XXXX follow-up complaint regarding the continued inaccurate reporting of my XXXX XXXX account XXXX my credit report. Despite my initial dispute, the account remains misreported, which is causing ongoing harm to my credit profile and financial opportunities. 
The way this account is being reported does not accurately reflect my true payment history or current status. The information furnished by XXXX XXXX appears inconsistent with the actual history of the account, and the credit reporting agencies have failed to correct the inaccuracies despite being notified. This failure places me in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
FCRA XXXX, XXXX U.S.C. XXXX : Provides me the right to dispute inaccurate or incomplete information, requiring a reinvestigation within 30 days. 
FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers like XXXX XXXX from reporting information they know, or should reasonably know, is inaccurate. 
XXXX XXXX and the credit bureaus have failed to meet these obligations. The inaccurate reporting continues to damage my creditworthiness and restricts my access to fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX, LVNV Funding began reporting a debt on my credit report that I do not recognize. I disputed this account directly with LVNV Funding and the credit bureaus. In my written disputes, I requested validation, including : a copy of any signed contract, a full payment history, proof of ownership/assignment of the debt, and any 1099-C forms filed in connection with charge-off.

Instead of providing the requested documentation, LVNV only sent me account statements that do not prove I owe this debt. They have not provided a signed agreement, chain of title, or tax documents.

Despite my disputes, LVNV continues to report this as a collection account, which is damaging my credit. They have also indicated possible legal action. I believe this is an attempt to collect a debt not owed and that they have failed to properly validate the debt under the FDCPA and FCRA.

I am requesting that CFPB require LVNV to fully validate this debt with proper documentation or remove it entirely from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I am filing this complaint against Ally Financial ( Ally Auto ) regarding repeated unauthorized XXXX debit attempts. 

Since XXXX XXXXXX/XX/year>, Ally has attempted to debit my bank account multiple times for auto loan payments after I explicitly canceled those payments in XXXX online system. Every month since XXXX, I have sent written secure messages requesting that Ally stop processing XXXX debits. Despite this, Ally continues to submit debit requests. 

Ally representatives have repeatedly told me that it is impossible for canceled payments to process. However, I have secure messages and screenshots proving that I canceled these payments, and yet debit attempts continue. 

Most concerning, the vehicle account now appears to have been charged off, and I am no longer able to access my Ally Auto online account. Even so, Ally continues attempting to debit my bank account. I have proof of these attempted withdrawals, showing that Ally is still trying to process payments without authorization, even after the account is no longer active. 

As of XXXX and XX/XX/year>, additional canceled ACH debits have been attempted, even while a CFPB complaint was already under review. This demonstrates that Ally has knowingly continued the practice despite being made aware of the problem. 


-- - Laws Potentially Violated Electronic Funds Transfer Act ( EFTA ) : Ally attempted electronic debits without proper authorization after explicit cancellation requests. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : Ally has misrepresented the functionality of its payment system by claiming canceled debits are impossible while continuing to attempt them. 

Post-Charge-Off Collection Practices : Attempting to collect via XXXX after charge-off is improper and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
I am filing this complaint because the credit reporting agencies * * verified debts on my credit file without providing any actual proof of verification * *, which violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I submitted disputes to the credit bureaus regarding several accounts ( including charge-offs and collections from * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ). These accounts are inaccurate and/or not mine. 

Instead of properly investigating as required by * * FCRA 611 ( 15 U.S.C. 1681i ) * *, the credit bureaus responded that the debts were verified. However, they did not provide me with any supporting documentation, such as * * signed contracts, original account records, or assignment/transfer documentation * * from the creditors. 

This means the verification process was * * inadequate and invalid * *, and the negative items remain on my report without sufficient evidence. 

-- - # # # * * Violations : * * * * * FCRA 611 * * Failure to conduct a proper reinvestigation of disputed information.

* * * FCRA 623 * * Furnishers of information must provide accurate and complete information ; the bureaus continue reporting unverifiable data.

* * * FCRA 616 & 617 * * Civil liability for willful and negligent noncompliance. 

-- - # # # * * Harm Caused : * * * Ongoing reporting of * * inaccurate and unverified negative items * * is harming my creditworthiness. 
* I have been * * denied credit opportunities * * due to these unverifiable accounts. 
* I have wasted time and effort disputing, while the bureaus continue to rubber-stamp verifications without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint because the credit reporting agencies * * verified debts on my credit file without providing any actual proof of verification * *, which violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I submitted disputes to the credit bureaus regarding several accounts ( including charge-offs and collections from * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ). These accounts are inaccurate and/or not mine. 

Instead of properly investigating as required by * * FCRA 611 ( 15 U.S.C. 1681i ) * *, the credit bureaus responded that the debts were verified. However, they did not provide me with any supporting documentation, such as * * signed contracts, original account records, or assignment/transfer documentation * * from the creditors. 

This means the verification process was * * inadequate and invalid * *, and the negative items remain on my report without sufficient evidence. 

-- - # # # * * Violations : * * * * * FCRA 611 * * Failure to conduct a proper reinvestigation of disputed information.

* * * FCRA 623 * * Furnishers of information must provide accurate and complete information ; the bureaus continue reporting unverifiable data.

* * * FCRA 616 & 617 * * Civil liability for willful and negligent noncompliance. 

-- - # # # * * Harm Caused : * * * Ongoing reporting of * * inaccurate and unverified negative items * * is harming my creditworthiness. 
* I have been * * denied credit opportunities * * due to these unverifiable accounts. 
* I have wasted time and effort disputing, while the bureaus continue to rubber-stamp verifications without proof.

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 2025-10-01 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-01 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: MN

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This is my fifth follow-up regarding multiple unauthorized inquiries that continue to remain on my credit report despite my repeated disputes. These inquiries were never authorized by me, they serve no legitimate purpose, and they continue to harm my credit profile. 
The inquiries in question include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which regulate when and how a consumers credit file may legally be accessed.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is inaccurate or unauthorized. Your duty is to conduct a reasonable reinvestigation. The fact that these inquiries remain after XXXX previous disputes demonstrates noncompliance and a failure to uphold the accuracy standards required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
This is my fifth follow-up regarding multiple unauthorized inquiries that continue to remain on my credit report despite my repeated disputes. These inquiries were never authorized by me, they serve no legitimate purpose, and they continue to harm my credit profile. 
The inquiries in question include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which regulate when and how a consumers credit file may legally be accessed.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is inaccurate or unauthorized. Your duty is to conduct a reasonable reinvestigation. The fact that these inquiries remain after XXXX previous disputes demonstrates noncompliance and a failure to uphold the accuracy standards required under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized charges and Citibanks handling of my dispute. 

On XX/XX/year>, I discovered XXXX unauthorized {$1.00} attempts on XXXX. I immediately contacted Citibank, closed the card, and requested a replacement. Despite this, the next morning a {$990.00} charge appeared on XXXX using the same number. 

I promptly reported this fraud and spoke with Citibank multiple times. However, I was told that I might need to pay the amount first and only later receive a credit. This response is unacceptable and does not provide proper consumer protection. 

The {$990.00} charge was clearly unauthorized. I request that this fraudulent transaction be removed and that Citibank ensure I am not held responsible. I also request that Citibank improve its dispute process so customers are not unfairly burdened when reporting 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 monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failure to ensure accuracy in my consumer report, in violation of the Fair Credit Reporting Act. 

Despite my dispute of the following accounts ( see attached list ), the credit bureaus have continued to report inaccurate and unverifiable information, including collections, charge-offs, and late notations. This violates XXXX U.S.C. XXXX ( b ), XXXX, and XXXX. 

I request the CFPB compel the credit bureaus to delete or correct these accounts immediately and ensure compliance with federal law. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: WI

Complaint narrative:
This company called me once and I spoke with someone but did not give any payment information. I asked for something in writing & wanted to check if this was legit. I did find they were a debt collector but I have not received anything in writing, nor have I seen anything on my credit report. I have been receiving calls from them almost every few days and getting automated voicemails saying : Hello, this is XXXXXXXX XXXX  calling from XXXX XXXX. Please contact me or any of our representatives at XXXX. Again, that number is XXXX. 

My next step would be to send XXXX  a written letter demanding they cease communication. I thought Id go this route first to see if it can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Hi, I bought a gift card worth XXXX $ and I tried to use it in online transaction but it was transactions failed but those XXXX transactions failed was charged and til my remaining balance become XXXX $ so i report this card immediately in this hotline XXXX last XX/XX/XXXX. The agent told me wait for XXXX days, i follow up after 7 days the agent said wait for 3 days i follow again after 3 days and spoke to the manager XX/XX/XXXX he said he will make a report case about this replacement card and wait after 7 days, i follow up again after 7 days it was XX/XX/XXXX the agent said she will make expedite report and they will send me tracking number and wait after 3 business days, but i never received any tracking number, and i follow up today XX/XX/XXXX i spoke to the supervisor why i didnt recieved the replacements card and every time i follow up they only say wait for 3-5 days wait for 10 days he told me he will make a new report again and wait for the email and i told him everytime i call the customer service they only says like this " wait for another 3-5 days or will make a new report ''. I even didnt recieve any email as the supervisor told me he will email md but no email no anything. And until now i dont know if someone handle this situations or after my follow up call they will just disregard, coz every time i follow up call they only answer me " will make a new report and wait for another 3-5 days since XX/XX/XXXX. Since XX/XX/XXXX i was waiting for the replacement card. 

CASE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XX/XX/year> a XXXX payment occurred ftom my Huntington Bank Account. The intended recipient posed as a legitimate hair stylists/ business owner in which a deposit was required. This business owner was a complete scam. I immediately asked the recipient to return the XXXX XXXX payment and they refused. I contacted XXXXXXXX XXXX immediately but they were closed so the next morning, I advised them if the apparant scam. I was told they would investigatd but more than likely, XXXX transaction would not be refunded. I contacted XXXX themselves and they advised complaint must go through my bank since they are partners. Despite my pleading about the scam, neither company was interested in hearing and background or specific infirmation about the scammer. Instead I was advised it was pretty much my fault for not knowing better. These XXXX scams will continue as long as the XXXX  and XXXX are unwilling to take a stronger stance against it.

Company response to consumer: Closed with explanation