vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Despite multiple previous attempts to resolve this matter, fraudulent and inaccurate information continues to appear on my consumer credit report without resolution. As a victim of identity theft, I never authorized or consented to the inclusion of this information, which has been wrongfully associated with my personal profile. The persistence of these erroneous entries has caused substantial personal distress and continues to negatively impact my financial standing and creditworthiness. The ongoing presence of this disputed information suggests a failure to properly investigate and address my legitimate concerns under federal consumer protection guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> I used Huntington Bank XXXX XXXX to send money in the amount of {$10000.00} to a scammer by the name of XXXX XXXX ( XXXX XXXX ) Her bank is XXXX XXXX XXXXXXXX XXXX XXXX in XXXX Florida. She never 'claimed " the money. I have not been able to contact her at all. I filed a dispute with Huntington Bank, and after almost one month, they dismissed my case saying that they could not help me as XXXX XXXX XXXX XXXX refuses to refund my money. I was scammed by someone impersonating an actor and he told me XXXX XXXX XXXXXXXX was his personal accountant, which was false. I need help getting my money back. Neither bank is cooperating. Huntington Bank would not prevent these scammers from obtaining my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 am writing to file a complaint against the Credit Bureau because I feel they are not handling my credit report fairly or in accordance with federal law.

Heres what has been happening : XXXX. Deleted Account Keeps Coming Back A XXXX XXXX  account ( Acct. ending in XXXX ) was previously deleted from my credit report after I disputed it. However, the bureau keeps putting this account back on my report without notifying me. 
From my understanding, they are supposed to notify me in writing within a few days if something is reinserted. I never received proper notice, and the same issue keeps repeating itself. 
XXXX. Other Errors Still Not Fixed In addition to the XXXX account, at least XXXX other pieces of information on my report are still wrong. 
Ive disputed these items multiple times and even provided documentation, but the bureau continues to report the exact inaccurate details. 
XXXX. Lack of Proper Explanation When I ask for verification of how these items are being confirmed, I do not receive a clear answer. I believe I have a right to know how they are verifying these accounts, but the bureau hasnt provided that information. 

What I Am Asking For : XXXX XXXX XXXX  account will be permanently removed and not reinserted unless the bureau follows the proper legal process. 
The XXXX inaccurate items in my file must be corrected or deleted. 
A fair and complete investigation to have a credit report that reflects accurate information. 

Ive attached a recent dispute result letter ( XX/XX/year> ) showing the account was deleted, but the issue keeps happening. 

Thank you for your time and for reviewing this matter. I appreciate your help in ensuring the credit bureau follows the law and protects consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am writing to file a complaint against the Credit Bureau because I feel they are not handling my credit report fairly or in accordance with federal law.

Heres what has been happening : XXXX. Deleted Account Keeps Coming Back A XXXX XXXX  account ( Acct. ending in XXXX ) was previously deleted from my credit report after I disputed it. However, the bureau keeps putting this account back on my report without notifying me. 
From my understanding, they are supposed to notify me in writing within a few days if something is reinserted. I never received proper notice, and the same issue keeps repeating itself. 
XXXX. Other Errors Still Not Fixed In addition to the XXXX account, at least XXXX other pieces of information on my report are still wrong. 
Ive disputed these items multiple times and even provided documentation, but the bureau continues to report the exact inaccurate details. 
XXXX. Lack of Proper Explanation When I ask for verification of how these items are being confirmed, I do not receive a clear answer. I believe I have a right to know how they are verifying these accounts, but the bureau hasnt provided that information. 

What I Am Asking For : XXXX XXXX XXXX  account will be permanently removed and not reinserted unless the bureau follows the proper legal process. 
The XXXX inaccurate items in my file must be corrected or deleted. 
A fair and complete investigation to have a credit report that reflects accurate information. 

Ive attached a recent dispute result letter ( XX/XX/year> ) showing the account was deleted, but the issue keeps happening. 

Thank you for your time and for reviewing this matter. I appreciate your help in ensuring the credit bureau follows the law and protects consumers like me.

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 2025-09-03 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
They are trying to collect over {$850.00} dollars for a {$450.00} credit limit. Its an illegal tactic and we tried to negotiate a payoff with my debt settlement company but they wouldnt negotiate a settlement.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
i paid off my nordstrom card in 2018 and they keep reporting wrong information on my credit report its too old and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AL

Complaint narrative:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 1. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC Number ) XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Formal Complaint Portfolio Recovery Associates FDCPA and FCRA Violations Dear CFPB Representative, I am filing this * * formal complaint * * against * * Portfolio Recovery Associates * * for their * * willful violations * * of the * * Fair Debt Collection Practices Act ( FDCPA ) * * and * * Fair Credit Reporting Act ( FCRA ) * *. 
On [ date of debt validation request ], I * * formally requested validation * * of an alleged debt under * * 15 U.S.C. 1692g ( b ) * *. I have proof of this request. Portfolio Recovery Associates * * failed to provide any proper validation * * of the debt and * * continued to report this unverifiable account * * to XXXX and potentially other credit bureaus. 
This behavior is not only a direct * * violation of FDCPA 809 ( 15 U.S.C. 1692g ) * * but also a clear violation of * * FCRA obligations ( 15 U.S.C. 1681s-2 ) * * which require furnishers to ensure the accuracy and integrity of information they report. 
Because of their reckless and negligent behavior, I have suffered damage to my creditworthiness and reputation. This account is still being reported despite their legal obligation to either validate or delete it. 
I am requesting that the * * CFPB investigate this matter * * and take enforcement action to ensure : 1. Portfolio Recovery Associates immediately deletes this account from all credit bureaus. 
2. They cease all collection activity against me. 
3. They are held accountable for their repeated non-compliance with federal law. 
Please find attached a copy of the original * * debt validation request * * and my recent * * Cease and Desist letter * * for your review. These documents clearly establish my compliance with the law and their continued violations. 
Thank you for your attention to this urgent matter. I look forward to your response and confirmation that action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-09-03 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: Self Financial Inc.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 

Date of Last Activity. 

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXX XXXXXXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATIONIl! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject | to subsection ( c ) any consumer reporting agency may furnish a consumer report under the foling ones ances XXXX XXXX : XXXX eacordance with the XXXX XXXX XXXX XXXX XXXX consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

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 2025-09-03 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 am filing a complaint to dispute the current reporting status of a charge-off account that appears as Profit and Loss Write-Off or Charge-Off on my credit report. No IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. Under IRS regulations, creditors are required to issue Form 1099-C for any canceled debt of {$600.00} or more. 
Please remove the following charge-off accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} Additionally, I am requesting the removal of the following inquiries from my credit file pursuant to FCRA 619 [ 15 U.S.C. 1681q ] as they were unauthorized or improperly reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
constantly harassed about payments that i shouldnt have to make. Not my charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXXXXXX 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  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

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