vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely upset because unauthorized inquiries are still appearing on my credit report this morning, and I truly can not understand why. They did not disappear even after I refreshed my browser, so I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : This correspondence serves as a formal billing dispute under the Fair Credit Billing Act ( 15 U.S.C.

1666 ( b ) ). I am disputing the accuracy and validity of the above-referenced account, which your company has reported and/or billed in my name.

I have never authorized or signed for any charges related to this account, and I have not received any valid documentation establishing my liability. Therefore, I am exercising my rights under federal law to dispute the completeness,
accuracy, and legitimacy of this information.

Under 15 U.S.C. 1666 ( b ), you are required to investigate this matter, acknowledge receipt of this dispute within 30 days, and either correct or verify the account in writing within 90 days of receiving this notice.

If your office can not provide written documentation bearing my signature proving the validity of this account, I request that you immediately remove or correct any and all reporting associated with it from all consumer reporting agencies pursuant to 15 U.S.C. 1666 ( b ).

Please respond in writing to the address listed above. Any continued attempts to report inaccurate or unverified information will be treated as willful noncompliance under federal law. 
Thank you for your prompt attention. 
Sincerely, /s/ 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 2025-12-04 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 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: MN

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is falsely claiming I never disputed this account in their reply to COMPLAINT ID XXXX. I first disputed this in XX/XX/XXXXXXXX  and multiple times after through all three credit bureaus. This account is not mine. I have only ever had one credit card account years ago and it was closed prior to XXXX. I have not had any credit accounts since then. PRA continues reporting a fake account and lying about my dispute history. They are delaying and misrepresenting the facts during this dispute process. I am requesting full proof of ownership, chain of title, and all original account documents. If PRA can not provide full legal validation, they must immediately remove this account from all credit reports. Attachments include my reports as proof. Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX also disputed prior to these dates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: KY

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I dispute the following items on my TransUnion credit report. These accounts are inaccurately reported, and I request that they be investigated and corrected promptly. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

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 2025-12-04 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: NJ

Complaint narrative:
I am filing this complaint to dispute several inaccuracies on my Experian credit report. 

1. Personal Information Errors : Experian lists multiple versions of my previous address. Please update my record to reflect only my correct, current address at XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX and remove any outdated variations. 

XXXX. Charged-Off Accounts in Dispute : I dispute the following accounts as inaccurate, incomplete, or unverifiable : XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$23000.00} XXXXXXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, Balance : {$21000.00} XXXXXXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$1700.00} 3. Inquiries : The following inquiry is not recognized or authorized by me and should be removed if not verified for permissible purpose : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. Late Payment Reporting : I also dispute late payment notations on : XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Please verify the accuracy of these entries. If the furnishers can not provide documented proof, these items should be corrected or removed per FCRA regulations.

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 2025-12-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : WFBNA CARD - XXXX * * * * Whom It XXXX Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-12-04 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: CT

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 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MSCB, Inc.
State: TN

Complaint narrative:
I am filing this complaint because MSCB , Inc. is reporting and attempting to collect a medical debt of {$1300.00} that is inaccurate, unverified, and unsupported.

I have no itemized bill, no treatment documents, no proof of services, and no signed agreement showing I owe this amount. I requested validation under 15 USC 1692g, including : Itemized hospital billing statement Date ( s ) of service and name of provider Proof of treatment Signed consent or admissions forms Proof MSCB has the legal right to collect Explanation of how the amount was calculated MSCB has failed to provide any validation, yet continues to report and attempt to collect this debt. This violates the FDCPA and the FCRA, which requires only accurate and verifiable information to be furnished to credit bureaus.

Additionally, I did not authorize the hospital or provider to share my health information or billing details with MSCB. If no signed HIPAA-compliant authorization exists, this is a violation of HIPAA Privacy Rule 45 CFR 164.502.

I am requesting that the CFPB assist in : Investigating this unverified medical debt Stopping collection efforts until proper validation is provided Removing this account from all credit bureaus if MSCB can not validate Addressing any HIPAA violations related to the unauthorized transfer of my medical data I am requesting full deletion of this unverified account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 writing to dispute the following items on my credit report. I believe that the information provided is incorrect, incomplete, or outdated. Below are the details of the accounts I am disputing, separated by bureau. 

Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 writing to formally dispute the following accounts on my credit report that I believe to be inaccurate. I have reviewed my records and have found discrepancies that need to be corrected. The accounts listed below are in dispute. 

Charged Off : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I asked to remove or contact bureaus about my account being removed and they never removed it.

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 2025-12-04 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: NY

Complaint narrative:
On XX/XX/year> I had an issue on a website for purchasing tickets from XXXX XXXX. Upon having the issue, I checked my CitiBank phone app for the credit card and saw two pending fraudulent charges to XXXX XXXX. I immediately called CitiBank and explained the situation and that the charges were not authorized I was told that nothing could be done until the charges were no longer pending. Once the charges actually went through, I could dispute the charges. 
On XX/XX/year> the charges were released from pending and I formally disputed them. I followed up on XX/XX/year> with CitiBank and was told the dispute was in progress and the vendor had 2 months to respond. 
On XX/XX/year> CitiBank forwarded the response from XXXX that tickets had been purchased and the amounts were due and owing. Both charges were reinstated on my credit card. 
On XX/XX/year> I did emails to request the reopening of my disputed charges and faxed a complaint to the CitiBank corporate office. The disputes were reopened and the corporate office responded that the matter would be investigated. 
On XX/XX/year> I received a response from the corporate office that the vendor ( XXXX ) would reverse the smaller of the two charges, but not the larger of the charges. The smaller amount was reversed from my account. The larger amount was recharged and letter indicated that if I didnt pay the amount it would be sent to collections. 
I then responded to the corporate office disputing their response and requesting further information. The corporate office referred me back to the original response and indicated that there was nothing further they could do. 
Today ( XXXX ) I went on the CitiBank credit card APP to find their policy on fraudulent charges. Their policy clearly states, you are not liable for unauthorized purchases when unauthorized purchases on your Citi consumer debit or credit cards are promptly reported, you wont be held responsible for those purchases. I then responded to the most recent corporate office email asking for an explanation as to why they were not honoring their policy and requesting that they do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I was placed in deferment for an extended period and could not make payments, but I kept my repayment plan. I attempted multiple times to contact MOHELA and was unable to reach anyone. As a result, I am now far behind, and interest has been accumulating unfairly. 
Due to MOHELAs mismanagement and the financial hardship caused by their failure to respond or provide assistance, I am requesting full forgiveness of my loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found multiple negative accounts and hard inquiries on my credit reports that are being reported inaccurately and without the required documentation. Several charge-offs from XXXX XXXX, XXXX XXXX, and XXXX XXXX  display years of derogatory coding, missing data fields, and inconsistent delinquency timelines. None of these furnishers provided the original contracts, billing statements, charge-off calculations, or verified dates of first delinquency. In addition, a large number of credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX were reported without any proof of consumer authorization or permissible purpose under the Fair Credit Reporting Act. I disputed these items with the credit bureaus and furnishers, but the bureaus marked them as verified even though no supporting documentation was provided. These unvalidated and inconsistent entries have lowered my credit score, misrepresented my creditworthiness, and made it more difficult to obtain fair credit opportunities.

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 2025-12-04 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:
I did not create or approve this inquiry, making its presence on my credit history invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NM

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiry on my Equifax credit report : XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Equifax credit report : XXXX  XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX

Company response to consumer: Closed with explanation