vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain entries on my Equifax credit report, as provided by your bureau. I believe the following accounts contain inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request that you investigate these discrepancies and make the necessary corrections. 
Disputed Accounts : XXXXXXXX Dept of EdXXXX  ( Installment Account ) Account Number : [ Full Account Number ] Status : Positive ( disputed ) o FCRA Violation : Inaccurate reporting of payment history and balance. 
o Data Breach Concern : Unauthorized access to my personal data may have occurred. 
XXXX. XXXX XXXX  ( Revolving Account ) Account Number : [ Full Account Number ] Status : Positive ( disputed ) o FCRA Violation : Incorrect payment history and late payments not accurately reported. 
o Data Breach Concern : Breach involving XXXX has exposed sensitive information. 
XXXX XXXX ( Installment Account ) Account Number : [ Full Account Number ] Status : Negative ( disputed collection ) o FCRA Violation : Outdated status reporting and uncorrected account information. 
o Data Breach Concern : Unauthorized use of my personal data. 
XXXX XXXX  ( Installment Sales Contract ) Account Number : [ Full Account Number ] Status : Negative ( charge-off ) o FCRA Violation : Incorrect charge-off status and failure to correct after investigation. 
o Data Breach Concern : Data breach risks related to this account. 
XXXX. XXXX XXXX XXXX XXXX ( Revolving Credit Line ) Account Number : [ Full Account Number ] Status : Negative ( late payments ) o FCRA Violation : Late payments that should have been corrected due to technical issues. 
o Data Breach Concern : Concerns regarding unauthorized access of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am disputing one or more accounts being reported as charged off. I am requesting Equifax to investigate and verify the accuracy of all details, including the account status, balance, and date of first delinquency. If the furnisher can not verify the account per FCRA 611 ( a ), please delete it from my report. 

XXXX. Inquiries The following inquiries appear without my authorization or permissible purpose under FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please provide documentation from each creditor showing that I granted permission for these inquiries, or delete them if such documentation can not be provided. 

XXXX. Late Payment XXXX XXXX XXXXXXXX I dispute the accuracy of the reported late payment. Please verify the exact date and proof of delinquency, including account records or billing statements showing when the payment was due and received. If Equifax or the furnisher can not provide evidence, please update this account to reflect a positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Malen & Associates, p.c.
State: NY

Complaint narrative:
I left the country on XX/XX/XXXX XXXX and was gone for three and half months during that time I was over seas I noticed a big transition with the amount of XXXX was used on XXXX XX/XX/year> And I didnt notice this transition until about 6-7 months later but 3-4 month out this period I was over seas and I have proof of me being in XXXX bc I have XXXX XXXX in my passport of entering and exiting the country at that time. So fast forward 7 months later I tired to contact my credit card company to file a dispute. The company never got back to me and I didnt follow thru with them. But I also didnt pay them for the amount and now Im being suited by a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

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 2025-11-18 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
In XX/XX/year>, dispute letters were sent out to credit bureaus regarding inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of XXXX I was  a victim of fraud and all of my accounts were compromised and frozen. I went to my main bank XXXX  and established new accts to pay all my bills from. My credit card through Citi Bank was XXXX of the cards I set up auto pay through my bank with. The XXXX payment was attempted to the frozen account on the XXXX so I called at XXXX on the XXXX and made an ACH payment to satisy the payment for XXXX. The accounts was settled and in XXXX was made by phone and the new account was added. XXXX and XXXX was made through a XXXX credit card balance transfer. XX/XX/XXXX I had my new computer set up and I logged in to check that all my accounts were set up correctly and found that the new account set up with citi in XXXX wasnt listed on my profile even though I have a receipt from Citi from XXXX. So i put my SS # into my Citibank profile and it went out and imported my new XXXX  account and I marked it as Primary leaving only my business account as secondary. On the XXXX my payment was not taken so I figured it was friday and it may take a couple days because Citi sometimes takes a few days, but by tuesday it still hadnt posted so I called Citi and I was informed that the payment failed. when I pulled up the account on my laptop with a represenative on the phone and the account was set up correctly from the consumer perespective and when I asked what account they attempted, she stated the account debited was the account closed in XXXX because of the fraud. Even though all of the correct information was sitting maked correctly in my Citi profile. she said she would correct it and instead i was sent a letter a week later stating that Citi closed my account due to two failed payments. I called and spoke with several people since and a supervisor stated it would be reopened in 3 days and that didnt happen and since I've spent hours calling and speaking to many represenative and repeating my sitituation over and over trying to fix this before they ruin my credit rating which at XXXX XXXX XXXX will be hard to repair. I had my personal banker try and assist me with this but all I am getting from Citi Bank is this is my fauly when it is not I have done everything I could to make sure my payment information is updated but somehow there system keeps attempting payments to the fraud closed account. Can someone please help before my credit is ruined due to me being a victim of fraud.I even visited a local Citi branch near my home to get assistance with the issue and I was told by a bank employee they do not assist with credit cards in the branch to call customer service and provided a bypass number that goes to fraud and was no help at all.

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 2025-11-18 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: NE

Complaint narrative:
I respectfully submit this letter as my formal dispute of the accounts listed. I have no relationship to them and did not authorize their establishment. Please remove and review accordingly. Documentation is attached.

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 2025-11-18 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:
I am requesting that you investigate and correct inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries listed on my Equifax report appear to be reported incorrectly, and I ask for immediate rectification. 

Charged Off Accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4400.00} XXXX, XXXX, XX/XX/XXXX, {$2300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts that I believe have inaccuracies or are being reported incorrectly. Below is a list of the disputed accounts for your review and resolution : Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4100.00} Inquiries : None Positive Accounts : None Late Payments : XXXX XXXX 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 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute certain information that appears on my Equifax credit report, which I believe is inaccurate or incomplete. I have reviewed my credit file and identified discrepancies. Additionally, I am concerned that some of these errors may be the result of a data breach. I am requesting that you conduct a thorough investigation into these matters, as required by the Fair Credit Reporting Act ( FCRA ). 
Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX Disputed Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Status : Open ( Delinquent ) Balance : {$25000.00} FCRA Violations : XXXX Inaccurate reporting of past due balance and payment terms. 
XXXX Failure to update status after dispute resolution. 
Disputed Reason : The account is reported inaccurately due to a past dispute. I request that the account be updated to show the correct status, reflecting the terms of the settlement agreement. 
XXXX. XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Original Creditor : XXXX XXXX  Account Status : Collection ( Closed ) Balance : {$1600.00} FCRA Violations : XXXX  Misrepresentation of account status and balance. 
o Failure to reflect settlement terms. 
Disputed Reason : The account was settled, but it is reported inaccurately as a loss by the credit grantor. Please correct this by removing the incorrect balance and status. 
Data Breach Concerns : I am concerned that some of these errors may have been caused by a data breach, as unauthorized access to my personal information may have occurred. I request that this be investigated as part of your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

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

Company response to consumer: Closed with explanation