vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: DC

Complaint narrative:
To Whom It May Concern, I have noticed a risk factor listed on my credit report that states " lack of sufficient relevant real estate account information. '' This comment unfairly misrepresents my creditworthiness, as I do not own real estate, nor is such information relevant to my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any information reported must pertain to permissible purposes. I request that you remove this comment immediately to ensure fair reporting.

Please provide written confirmation once this has been addressed. Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NJ

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX and made a payment of {$660.00}. Days later a collection was placed on my credit from a company named National Recovery Agency. This Agency is saying I made an agreement with them but I never made any agreement with this company. They're saying I made that payment of {$660.00} to them but I only called XXXX XXXX XXXX. If XXXX XXXX XXXX transferred me to NRA I was unaware because they didn't disclose they were a debt collector. Under the Under the FDCPA Section 807 ( 11 ) ( 10 ) debt collector 's have to disclose they are a debt collector attempting to collect a debt. Both XXXX XXXX electric and NRA used unfair practices. 

Also, I moved from that property XX/XX/XXXX. I called to have services shut off I was under the impression it was shut off but they continued to bill me up until XX/XX/XXXX. The amount they say is owed is greatly incorrect. I have a lease and bills that corroborate with the date I moved from that property

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 2025-05-17 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
This letter is a formal demand, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ), for the immediate reinvestigation and permanent deletion of all derogatory or negative items listed on my consumer credit report. 

In light of recent lawsuits and federal regulatory actions against your agency involving widespread violations of consumer protection laws, I am asserting my rights under federal law to dispute and request full documentation for each negative item reported. This includes, but is not limited to, the following : Full audit trail of each alleged debt Name and contact information of the original creditor Method of verification Proof of permissible purpose to report Legally sufficient documentation signed by me, validating any debt Any account or tradeline that can not be fully verified in strict compliance with FCRA XXXX 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ), and ( XXXX ) ( B ) must be permanently deleted from my consumer file. You are legally prohibited from continuing to report information that is incomplete, inaccurate, unverifiable, or outdated. 

Furthermore, under 15 U.S.C. XXXX and XXXX, I reserve my right to seek actual and statutory damages if this request is not fully honored within XXXX calendar days from receipt. Be advised : failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action in small claims or federal 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
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
This letter is a formal demand, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ), for the immediate reinvestigation and permanent deletion of all derogatory or negative items listed on my consumer credit report. 

In light of recent lawsuits and federal regulatory actions against your agency involving widespread violations of consumer protection laws, I am asserting my rights under federal law to dispute and request full documentation for each negative item reported. This includes, but is not limited to, the following : Full audit trail of each alleged debt Name and contact information of the original creditor Method of verification Proof of permissible purpose to report Legally sufficient documentation signed by me, validating any debt Any account or tradeline that can not be fully verified in strict compliance with FCRA XXXX 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ), and ( XXXX ) ( B ) must be permanently deleted from my consumer file. You are legally prohibited from continuing to report information that is incomplete, inaccurate, unverifiable, or outdated. 

Furthermore, under 15 U.S.C. XXXX and XXXX, I reserve my right to seek actual and statutory damages if this request is not fully honored within XXXX calendar days from receipt. Be advised : failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action in small claims or federal 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/year> I was informed by Citi bank that my account was sent to closure by the bank. 
I have {$30000.00} left in the account at the time. I called many times was told the fund will be mailed to me in 60 days. 
Its not right the bank hold fund that does not belong to them for that long.

I desperately need the fund right now I cant wait 60 days.

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 2025-05-17 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: IA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : * * * * * * * * * * * Experian * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Settlement documents sent to old address not address on file with XXXX XXXX XXXX Toyota causing a delay in communication or no response at all after XX/XX/XXXX, not one has reached out regarding serious issues. Left to pay excessive insurance rates due to recalled vehicle parts. Several issues was also address with Toyota of XXXX XXXX even after adding maintenance plan during purchase, no oil changes or nothing just an extra {$150.00} added all services paid out of pocket too. These fees added increased car payments to {$580.00} monthly. The vehicle is still under XXXX mile factory warranty ignored by XXXX and XXXX XXXX XXXX. Toyota XXXX was used as a trade -in, later contacted as a paid off vehicle. {$5000.00} down payment was also given to XXXX XXXX square along with purchase of my XXXX XXXX XXXX. Vehicles are being sold at an alarmingly high rate, leaving buyers excluded from defected settlement. XXXX and other dealers has been profiting off defective vehicles, which cost me my job with the XXXX due to the accident. Never had an accident for 27 years of driving until the purchase of the vehicle. The braking system and loss of tire pressure caused an accident which left me responsible, going less than 20 mph. XXXX grinded pads and lock loss control of vehicle due to the XXXX system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX and their third-party debt collector, A.R.M. Solutions Inc., for serious violations of my consumer rights under federal law. This situation involves misrepresentation of account ownership, unexplained billing practices, unlawful debt collection conduct, and complete lack of resolution from the original service provider.

Failure to Correct Account Ownership I am the rightful and legal owner of the account in question I personally signed the original service agreement with XXXX XXXX XXXX XXXX. I have submitted multiple requests to both XXXX XXXX and A.R.M. Solutions Inc. to have the account name updated to reflect my ownership. These requests have been ignored. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that account information furnished to credit bureaus be accurate, complete, and up to date. Failure to correct this record misrepresents the debt and misattributes liability. 

Inflated and Unjustified Charges The original balance on this account was {$370.00}, but it was suddenly and without explanation increased to over {$700.00} after being sent to collections. I have never received a clear, itemized bill justifying this increase. This raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collection of amounts that are not expressly authorized by the agreement or permitted by law. Without full debt validation and explanation, this debt is being pursued unlawfully. 

Harassing Communication from A.R.M. Solutions Inc.

I am receiving persistent, harassing, and aggressive phone calls from A.R.M. Solutions Inc. in an attempt to collect this disputed debt. These calls have continued despite the lack of proper debt validation and despite my efforts to correct the account. Under the FDCPA, this is considered abusive collection behavior, and I am formally requesting that all further contact cease immediately. 

Negligent and Vague Response from White Knight Pest Control I submitted a written dispute and appeal directly to XXXX XXXX XXXX XXXX Appeals Department. I received a vague, non-substantive response that failed to acknowledge or resolve any of the core issues I raised. Since then, I have received no further communication from them, despite my continued efforts to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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