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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
I am disputing a collection account being reported by Hunter Warfield in the amount of {$1200.00}, which appears on my XXXX  credit report.

I disputed this account and requested validation, but Hunter Warfield failed to provide competent evidence that I owe this debt or proof of legal ownership/assignment. They continue to report unverifiable information in violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XXXX sold my account to Transworld Systems Inc. but continues to report an outstanding balance on my credit reports. This is inaccurate and misleading. 

Under the Fair Credit Reporting Act, once an account is sold, the original creditor must report a {$0.00} balance and indicate sold/transferred. XXXX reporting violates FCRA 623 by furnishing inaccurate information. 

I previously disputed this directly with the credit bureaus, but the account continues to show a balance. This misreporting is damaging my credit profile and creditworthiness. 

I am requesting that XXXX immediately correct the tradeline to reflect a {$0.00} balance and note that the account was sold/transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank charged interest XXXX  months before they were supposed to on a XXXX  month interest deferred promotion. When contacted they would change one of the terms but would not lift wrongly applied interest chargers

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am really frustrated because inaccurate accounts are still showing on my credit report today, and I can not figure out the reason. I routinely checked my report and was shocked to see these discrepancies. I refreshed the page several times, but the accounts did not go away, which makes this situation even worse. I need the documents I provided to be reviewed thoroughly right now so I can stop stressing over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXXXXXX XXXX XXXXcount number XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$14000.00} Date opened XX/XX/XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccuracies on my credit report and unauthorized credit inquiries that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I have identified the following issues that are causing significant harm to my credit profile : Disputed 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 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 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  These inquiries were made without my authorization and constitute a direct violation of FCRA 604 ( a ), which strictly limits access to consumer credit reports to authorized purposes only. 

The above accounts contain errors such as late payments, charge-offs, and collections that I am confident are inaccurate or misreported. These inaccuracies are severely affecting my creditworthiness and ability to obtain fair financial services. I request that the CFPB investigate these matters promptly and ensure that the credit reporting agencies correct or remove all inaccuracies.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To : Equifax Information Services XXXX. XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized and Fraudulent Credit Inquiries under FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized and fraudulent credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish my credit report to parties with a permissible purpose. I have not authorized nor provided any consent for the inquiries listed below : * Here is a of all unauthorized inquiry here : XXXX XXXX XXXX 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 Because these inquiries were made without my knowledge or consent, they are in violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, the inclusion of these fraudulent inquiries harms my creditworthiness and violates my rights under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to maintain maximum possible accuracy of consumer information.

Accordingly, I demand that you : 1. Immediately investigate these inquiries as required under FCRA 611 ( 15 U.S.C. 1681i ).

2. Delete all unauthorized and fraudulent inquiries from my credit report.

3. Provide me with written confirmation of the deletion, as well as an updated copy of my credit report reflecting the removal.

4. Provide the name, address, and permissible purpose of each entity that made these inquiries, as required under FCRA 609 ( a ) ( 1 ) & ( 3 ) ( 15 U.S.C. 1681g ).

Please be advised that failure to comply with the FCRA may subject your agency to liability, including statutory damages, attorneys fees, and possible legal action. 
This letter serves as my formal dispute and notice of unauthorized activity. I expect your full compliance within the XXXX investigation window as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

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: MN

Complaint narrative:
I sent disputes to Equifax last XX/XX/year> about accounts reported on my credit file that I do not recognize. I explained in my dispute letters that I do not remember opening or authorizing these accounts, and I noted inaccuracies in the way the information was reported. Despite this, Equifax has continued to report the accounts without correcting or removing them, which is not in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
This is now my third attempt to obtain proper validation account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the alleged debt Portfolio Recovery Associates continues to report on my credit file. Let this serve as notice that this will be my final attempt before I proceed with legal action. 

Despite my previous requests under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), the only documents provided so far are bills of sale and statements. These documents do not prove ownership of the debt, do not show my signature, and do not constitute the original signed contract required to validate this account. 

In their previous response under CFPB XXXX XXXX. XXXX, Portfolio Recovery Associates improperly referenced the last four digits of my Social Security Number. I demand to know how this private information was obtained without my authorization or signature. Accessing or sharing such sensitive data without consent may constitute a violation of federal privacy and consumer protection laws. 

Furthermore, I have sent certified mail with debt validation requests under tracking numbers XXXX and XXXX. These certified letters clearly outlined my lawful requests for validation, which have still not been satisfied. 

My demands are as follows : If Portfolio Recovery Associates can not provide full and proper validation of this alleged debt, the account must be deleted from my credit file immediately. 

I demand disclosure of the methods used to verify this debt and the explanation of how private information such as my Social Security digits was accessed without authorization. 

Failure to meet these demands will result in immediate legal action for violations of the FDCPA, FCRA, and other applicable consumer protection and privacy laws. 

This is my final notice. If the account is not validated correctly or removed, I will take legal action without further correspondence. I am attaching supporting evidence, including copies of my certified mail receipts and prior communications.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been a long-time customer of Citibank since 2008. I never had any problems with them or any other bank. Unfortunately, the XXXX checking account that I used to pay my Citibank account was shut down without my consent. XXXX said that they were protecting me against fraud. During that time, the automatic pay that came from the XXXX account could not go through to Citibank, but regardless of that, I paid Citibank every dollar that I owed them. Their records will prove that I have no outstanding balance with them. I have attached the letter I sent to Citibank about this issue. I would like you all to intervene and reopen my Citibank credit card account. Thanks in advance.

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 — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: SC

Complaint narrative:
To Whom It May Concern, This is a follow-up to my prior request dated XX/XX/XXXX for validation of the alleged debt you claim I owe. As required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you must provide proper validation before any further collection activity. 



Specifically, I am requesting : A copy of the original signed contract or agreement showing I am legally obligated to pay. 

A full accounting of how the balance was calculated. 

Documentation proving your agency has the legal right to collect this debt. 



Until you provide the above, you must cease all collection activity, including reporting or continuing to report this debt to the credit reporting agencies. If this debt has already been reported, be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to report only accurate and verifiable information. Failure to provide proper validation requires that you delete the entry from my credit file. 



If you can not provide the requested documents, you must immediately : Cease collection efforts, and Remove any reporting of this account from all credit bureaus 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 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: GA

Complaint narrative:
I am writing to formally dispute certain information in my credit file pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i. This section mandates that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item in their file. There were late payments on my credit report that shouldn't be there and need to be corrected. Please review my attached PDF in accordance to this matter and remove all late payments.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this follow-up complaint to dispute inaccurate late payment reporting that continues to appear across my Experian, Equifax, and TransUnion credit files. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 ( Correction of Billing Errors ), FCRA 611 [ 15 U.S.C. 1681i ] ( Dispute of Inaccurate Information with Credit Bureaus ), and FCRA 623 ( a ) ( 2 ) ( Duty to Correct and Update ) .The late payment reporting on my open Department of EducationXXXX student loan accounts is inconsistent, misdated, and differs between the three bureaus. In several cases, accounts are being reported with 90-day and 120-day late notations without any preceding 30- or 60-day late entries, which is factually inaccurate and misleading. Furthermore, these same accounts show different late payment months and varying balances depending on the bureau. Such inconsistent, incomplete, and unverifiable reporting fails to meet the FCRAs requirement for accuracy and integrity of consumer credit information. This ongoing misreporting is causing significant and unjust harm to my credit profile, and I am requesting immediate investigation, correction, and enforcement action to ensure compliance. 

Experian is reporting the following inaccuracies : Department of EducationXXXX accounts opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show XX/XX/XXXX ( 90 days late ) and XXXX XXXX ( 120 days late ), despite not showing any prior 30- or 60-day late payments. Equifax is reporting the same accounts but listing XX/XX/XXXX ( 90 days late ) and XXXX XXXX ( 120 days late ), which differs from Experians reporting. TransUnion is reporting the same Department of EducationXXXX accounts with XX/XX/XXXX ( 90 days late ) and XXXX XXXX ( 120 days late ), again showing no 30- or 60-day lates and inconsistent with Equifax. These discrepancies make it impossible for the reports to be accurate and complete as required by law. The late payment data is not only inconsistent between the three bureaus but is also reported in a way that does not align with proper payment progression or accurate billing history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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.

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 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