vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) Accounts XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX  OPEN DATE XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) Accounts XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX  OPEN DATE XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WA

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge of approximately {$15.00} was made on my credit card. On XX/XX/XXXX, a much larger unauthorized charge of about {$1400.00} occurred. I have not used this card in a few years, and it has remained in my possession the entire time. I was unaware of these fraudulent transactions until XX/XX/XXXX, when I unexpectedly noticed them on my account. 

I immediately contacted my bank to report the charges and filed a dispute. I also explained that I have never lost or shared my card, and I do not understand how these unauthorized charges were made. 

Despite this, I recently received a letter from the bank stating that their investigation concluded I am responsible for the charges. I am confused and frustrated by this decision and am now seeking assistance to understand how this could have happened and to help resolve the matter.

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 monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I am writing to dispute inaccurate and potentially misleading information that appears on my credit report regarding an account with XXXX XXXX. The account is being reported as having a balance of {$140.00} and reflecting derogatory marks for 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 

Upon careful review of the reported payment history, I believe the reporting is inaccurate or incomplete, and I am requesting a full reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following issues require your attention : XXXX. Inconsistent and Inaccurate Delinquency Timeline The account was marked OK ( current ) for XXXX, XXXX, and XX/XX/year> across all three bureaus, then abruptly reported as 30 days late in XXXX and 60 days late in XXXX. This sequence appears to be misleading or may reflect a reporting error or re-aging of the debt. 
XXXX. Failure to Notify I was never notified by XXXX XXXX within 30 days of any negative information being furnished to the credit bureaus, which may constitute a violation of FCRA 623 ( a ) ( 7 ).

3. No Dispute Notation If I had previously disputed this with the creditor ( which I did ), the account must legally be marked as disputed by consumer, as required by FCRA 623 ( a ) ( 3 ). That designation is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Experian, TransUnion and Equifax has failed to fulfill its legal obligations under the FCRA to conduct a reasonable re investigation of disputed Information on my credit report, leaving inaccurate, or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute resolution. These failures align with my experience, where Experian, TransUnion, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove disputed accounts. As Experian, TransUnion and Equifax inaction violates federal laws and my rights as a consumer

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 2025-07-22 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: TX

Complaint narrative:
Experian, TransUnion and Equifax has failed to fulfill its legal obligations under the FCRA to conduct a reasonable re investigation of disputed Information on my credit report, leaving inaccurate, or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute resolution. These failures align with my experience, where Experian, TransUnion, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove disputed accounts. As Experian, TransUnion and Equifax inaction violates federal laws and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-22 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-22 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Block, Inc.
State: TX

Complaint narrative:
So Ive been trying to give a late payment on XXXX but I already reached out to them and I havent gotten a response back or nothing so they can take the payment because I dont want it to affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-22 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: TX

Complaint narrative:
This is my third filing a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ).

Under this section, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
This is my third filing a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ).

Under this section, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Request for Deletion of Unverifiable Accounts Based on XXXX XXXX Findings To : Credit Reporting Agency Dear Credit Reporting Department I am writing to formally request the deletion of two unverifiable and previously disputed accounts reported by XXXX XXXX XXXX  on my credit file. The disputed charge-off accounts were listed on my XXXX credit report with amounts of {$460.00} and {$1000.00}, respectively.

I submitted a dispute regarding these entries, and XXXX completed its investigation on XX/XX/year>. Following the investigation, XXXX deleted both accounts in full from my credit report, confirming that the information could not be verified in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Under the FCRA, all consumer reporting agenciesincluding XXXX, Experian, and XXXX required to report only accurate and verifiable information. Since XXXX has determined that the account information could not be verified and subsequently deleted it, the other CRAs are now expected to follow suit and delete the same unverifiable accounts from their reports.

Legal Basis for My Request : FCRA 611 ( 15 U.S.C. 1681i ) : Requires CRAs to reinvestigate disputed information within 30 days and delete any unverifiable data.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates CRAs to follow reasonable procedures to ensure the maximum possible accuracy of credit information.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) : Provide the consumer with the right to take legal action against any CRA or furnisher that willfully or negligently fails to comply with the law.

In light of Innoviss deletion, I demand that XXXX, Experian, and XXXX  immediately remove the same unverifiable XXXX XXXX XXXX  accounts from my credit files. If these accounts are not removed within 30 days of receipt of this letter, you will be in direct violation of the FCRA, and I reserve the right to pursue legal action and seek damages as permitted under FCRA 1681n and 1681o.

Please confirm in writing that the deletions have been completed. I am including documentation of the XXXX deletion and my dispute confirmation as evidence for your review. 

Sincerely, 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 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Request for Deletion of Unverifiable Accounts Based on XXXX XXXX Findings To : Credit Reporting Agency Dear Credit Reporting Department I am writing to formally request the deletion of two unverifiable and previously disputed accounts reported by XXXX XXXX XXXX  on my credit file. The disputed charge-off accounts were listed on my XXXX credit report with amounts of {$460.00} and {$1000.00}, respectively.

I submitted a dispute regarding these entries, and XXXX completed its investigation on XX/XX/year>. Following the investigation, XXXX deleted both accounts in full from my credit report,

confirming that the information could not be verified in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Under the FCRA, all consumer reporting agenciesincluding XXXX, XXXX, and TransUnionare required to report only accurate and verifiable information. Since XXXX has determined that the account information could not be verified and subsequently deleted it, the other CRAs are now expected to follow suit and delete the same unverifiable accounts from their reports.

Legal Basis for My Request : FCRA 611 ( 15 U.S.C. 1681i ) : Requires CRAs to reinvestigate disputed information within 30 days and delete any unverifiable data.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates CRAs to follow reasonable procedures to ensure the maximum possible accuracy of credit information.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) : Provide the consumer with the right to take legal action against any CRA or furnisher that willfully or negligently fails to comply with the law. 

In light of Innoviss deletion, I demand that XXXX XXXX and TransUnion immediately remove the same unverifiable XXXX XXXX XXXX  accounts from my credit files. If these accounts are not removed within 30 days of receipt of this letter, you will be in direct violation of the FCRA, and I reserve the right to pursue legal action and seek damages as permitted under FCRA 1681n and 1681o.

Please confirm in writing that the deletions have been completed. I am including documentation of the XXXX deletion and my dispute confirmation as evidence for your review. 

Sincerely, 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