vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts on my credit reports with XXXX, Equifax, and XXXX. These include collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, erroneous XXXX XXXX  delinquencies, and numerous unauthorized inquiries. I never provided written consent for these accounts or inquiries, violating FCRA 1681b ( f ). I also submitted an FTC Identity Theft Report, as I am a victim of confirmed data breaches ( XXXX, XXXXXXXX XXXX XXXX XXXX ). Despite my disputes, these unverifiable accounts remain. Under FCRA 1681i and 1681c-2, the bureaus must investigate and delete unverifiable and identity theftrelated items. I request CFPB intervention to ensure these violations are corrected and my reports updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate and negative items that remain on my credit report across all three credit bureaus Experian, Equifax, and TransUnion despite my previous complaint filed with the CFPB. 

Background : I previously filed a CFPB complaint regarding inaccurate and unverifiable accounts, including the XXXX  XXXX XXXX account. Unfortunately, the negative items remain on my report despite my earlier request for removal.

New Information TransUnion Data Breach : Since my last complaint, there has been a recent data breach involving TransUnion. Given that my personal data may have been compromised, this adds significant risk to the accuracy, integrity, and security of my consumer report information. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy when reporting consumer data. Due to the breach, I am requesting a full reinvestigation and the immediate deletion of all negative items associated with my file. 

Requested Action : 1. Delete all negative items across Experian, Equifax, and TransUnion that remain disputed in my previous CFPB complaint.

2. Remove the XXXX  XXXX XXXX account entirely from my report, as it remains inaccurate and unverified.

3. Confirm that my file has been fully updated and secured following the data breach.

Under the FCRA 6
11, I am requesting that these items be reinvestigated and removed immediately since they can not be verified and pose a risk to my financial security. 

I respectfully request a full update on the outcome of this dispute once your investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I want to make clear this complaint is not submitted in error. My credit report contains multiple inaccurate and/or unauthorized entries that have materially harmed my credit and caused ongoing emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the fraudulent accounts currently reported under my name. These accounts were not authorized by me, do not belong to me, and constitute damaging and false information. Their inclusion misrepresents my creditworthiness and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-10 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: LA

Complaint narrative:
Multiple accounts have not been verified with the original creditors as required by law. I have repeatedly asked for this information and have been given generic responses from all reporting agencies. These were previously disputed and marked as verified without providing the proper documentation to confirm ownership, as required by the Fair Credit Reporting Act ( FCRA ). 
Am filing a formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681o, against one or more credit reporting agencies and/or furnishers. 
TransUnion Equifax Experian

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 2025-09-10 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
This complaint is being made against XXXX XXXX and IQ Data. I finished my lease at XXXX XXXX XXXX XXXX. They told me that we had to pay for damages a bill of {$590.00}. Our lease ended XX/XX/year>. After we left thats when they inspected the unit, charged us the fee, and gave us by the end of the month to pay it. We paid the fee in total through money order on XX/XX/year> before it was due. 
Later, I receive a collection notice in the mail from IQ data asking for the money. XXXX  XXXX  never reached out to me telling me they believed I owed a debt. I called my apartment complex, and they said they would figure it out. 
In XXXX, I receive a call from the collection agency, IQ Data, that this debt is now listed on my credit report. They tell me I have to pay the debt now in order to get it off my credit report. 
I call my apartment xomplex. They tell me that they file claims automatically with XXXX XXXX because they assume that the renter will not pay it. However, I did. They filed a claim with XXXX XXXX but XXXX XXXX says XXXX XXXX needs to wait for the money they sent for the damages and then XXXX XXXX can sent it back. 
IQ data keep callings me. I eventually give in and say Ill pay it under protest and then they can give my money back later. But XXXX XXXX tells me there are no updates after I call, and I know if I pay, I wont get my money back if XXXX XXXX and IQ data have no updates. I send the ledger to the IQ data collection manager showing that I paid. She doesnt even look at the whole document and tells me it doesnt show that. IQ data keeps calling asking for me to pay the money, I ask to speak to the manager again, they dont allow me to do that. IQ data says they can hurt my credit even more if I dont pay. My apartment complex has emailed XXXX as they were instructed. No one is answering. 
I tried to get the collection of my credit by notifying the credit bureau through XXXX. They wont take it off saying that it is a paid collection, but it never should have gone to collections in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a thorough review of this bankruptcy entry, and if it can not be substantiated, I ask that it be removed.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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. The name appearing is XXXX XXXX, this is a fraudulent name. The aforementioned name on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned name and account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all names other than my actual name ; XXXX XXXX XXXX as appearing on my social security card and my drivers license. Remove fraudulent names identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  data breach. These items are inaccurate and must be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  XXXX breach. These items are inaccurate and must be deleted from my credit report.

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 2025-09-10 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was never notified of the original debt. 10 days after I moved out, I contacted the leasing office to confirm that the move out process went well & the apartment checked out. Guy said no pending payments and everything ok. Found out once in collection that I owed about {$130.00}. I was never notified and I even provided my forwarding address when I moved out. I contacted them 10 days later they confirmed everything ok. Once I received noticed from collection agency it was too late. I paid immediately but they still reported it. Against the fair reporting act.

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 2025-09-10 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 writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXXXXXX - XX/XX/year>

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX {$6700.00}.

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 explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I recently dowloaded a copy of my credit report and their were inaccuracies on the report due t identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, my Citibank credit card was fraudulently charged {$500.00} at XXXX XXXX. I immediately received the transaction alert and disputed the charge right away, while also canceling the card. At that time, I was at work, so it was impossible for me to be at XXXX XXXX making this purchase, and my card has always remained in my possession. 

After the investigation, the bank informed me that since the transaction was made with a chip card, it was considered my responsibility. In XXXX, the disputed amount was posted back to my account, and the automatic payment has already repaid this charge. 

I would like to emphasize the following points : XXXX. Over 90 % of my transactions on this card are made at XXXX, and I rarely use it elsewhere. This transaction is inconsistent with my spending habits and usual purchase locations. 
XXXX. I was at work at the time of the transaction and had no opportunity to shop. 
XXXX. My card has always been in my possession and has never been lost. 

I kindly request that Citibank reconsider this case and refund the disputed amount.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate Reporting : My credit reports list multiple late payments on the following accounts, which are fraudulent, inaccurate, or unverifiable : XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX  Account ending in XXXX XXXX  XXXX Account ending in XXXX XXXX I have consistently made payments on time, many under autopay, and these derogatory entries are not accurate. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum accuracy. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), inaccurate or unverifiable information must be removed or corrected within 30 d
ays.

Violation of Truth in Lending Act ( TILA ) : Inaccurate late payment reporting constitutes a violation of 15 U.S.C. 1666 ( b ), which mandates correct billing and reporting practices.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting inaccurate late payments may constitute misrepresentation under 15 U.S.C. 1692e, which prohibits false or misleading representations of consumer debts.

Failure to Correct After Prior Disputes : I have previously disputed these items with, yet the bureau has failed to provide proper verification or remove them. 

This is a repeated violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief