vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am filing a complaint regarding a collection account that was reinserted on my Equifax credit report by either XXXX XXXX XXXX or XXXX XXXX XXXX on behalf of the original creditor, XXXX XXXX XXXX. 

This account was previously disputed and deleted due to identity theft. I provided the following : A notarized Identity Theft Victims Complaint & Affidavit ( XX/XX/XXXX ) A police report filed XX/XX/XXXX An FTC Identity Theft Report Complaints filed with the Texas Attorney General 's Office On or around XX/XX/XXXX, I discovered that the account was reinserted on my Equifax report without any prior written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). This law requires Equifax to notify me within five business days after reinserting a previously deleted item. That notice was never sent. 

Additionally, XXXX XXXX XXXX recently sent me a collection letter dated XX/XX/XXXX, offering to settle the alleged debt. This collection effort violates the FDCPA, as they are attempting to collect on a debt that has been disputed and previously deleted due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: WA

Complaint narrative:
I am filing this complaint because Citi has denied my dispute of unauthorized charges totaling {$340.00}, which occurred between XX/XX/XXXX and XX/XX/year>, on the XXXX platform. These charges were made without my knowledge or consent by my minor child, who used my credit card without authorization. 

As soon as I discovered the activity, I filed a police report with the XXXX Police Department, WA ( Case # : XXXX ), and contacted Citi to dispute the charges through online chat and phone calls. I followed up with a written dispute letter, mailed via certified mail on XX/XX/year>, in full compliance with the Fair Credit Billing Act ( FCBA ).

The purchases clearly exhibit compulsive behavior. Many items remain unopened and in my possession. XXXX is a platform that allows fast, high-volume purchases through " live sales '' or " spin-the-wheel '' style games, and my child exploited this format without my knowledge. 

Despite proper documentation and timely reporting, Citi denied my dispute without providing a sufficient explanation. I am requesting that Citi reconsider its decision and issue a refund for these unauthorized transactions. The law is clear that minors can not enter enforceable contracts, and parents should not be held liable when proper reporting and documentation are provided.

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 2025-07-10 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: NJ

Complaint narrative:
Equifax allowed a collection account from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXX XXXX XXXX  ) XXXX XXXX to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this to be added, and yet its there, damaging my credit. Ive already asked for validation in the collection agency by filing also here in the CFPB last XX/XX/year>, but they havent provided anything. No signed contract, no breakdown of the alleged balance, no proof of who even owns the debt or has the legal right to collect it. 

This completely violates 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says Im supposed to get proper verification when I ask for it. On top of that, I never even got a real chance to dispute this, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). And yet Equifax still reported this to my credit file like its accurate, thats not just unfair, its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA.

Also, how can I even trust Equifaxs report when this same account isnt the same information reported by the other credit bureaus? Thats a major red flag. If the information isnt consistent across CRAs, then it clearly doesnt meet the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ). It makes me seriously question how Equifax verifies anything or if theyre just blindly accepting whatever gets submitted without checking with the consumer at all. 

At this point, I want this account permanently removed from my Equifax credit file. It was reported without consent, without verification, and without following proper procedures. Its causing damage that shouldnt be happening, and Equifax needs to be held accountable. This entire situation has been frustrating, stressful, and completely avoidable if they had just followed the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
XXXX  XXXX listed account on credit report that is paid off in XXXX of 2024 and relisted on credit report XXXX late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions continues to report a XXXX  XXXX bankruptcy ( Case # XXXX ) using inaccurate personal identifiers, and they have reinserted previously disputed and removed data in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple prior complaints, LexisNexis still reports an address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which does not match the court records and is not legally tied to me. The address listed in the XXXX  bankruptcy case is entirely different and spells " XXXX '' correctly, contradicting the data LexisNexis claims to have received. LexisNexis has never provided : A certified copy of the bankruptcy petition or court docket showing my name and address The method of verification as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) A written response to my formal legal demand, sent via certified mail In addition, LexisNexis has reinserted previously disputed and deleted addresses into my file without proper notice, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ). I have documented multiple instances of this practice across previous CFPB complaints. 

This continued behavior is damaging my credit profile, causing denials of credit and harm to my financial reputation. I have provided all supporting documentation, including : A copy of the court docket from XXXX  showing the correct address The most recent LexisNexis Consumer Disclosure Reports ( LNCDRs ) showing the reinserted address Prior CFPB case responses demonstrating a pattern of misconduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: General Recovery Services of WV, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX @ XXXX. 
I received a collection call in regards to a cash advance payday loan that the female collector stated was either from/online at XXXX XXXX  XXXX or XXXXXXXX XXXX  XXXX and that it was defaulted to their system in XXXX in the total amount of {$1400.00} from either XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609.

To Whom It May Concern : I formally request that the following Inaccurate. Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ).

Section 609- specifically 15 USC section 1681g. I will expect you to complete the verification within 30 ( thirty ) days. 

XXXX / XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX  Partial Acct # 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 2025-07-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to reassert my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ) and request the immediate blocking and permanent removal of all adverse credit information resulting from human trafficking that I previously submitted to your agency. 

Despite providing Equifax with a valid determination letter from a qualified victim service provider, which confirms my status as a victim of trafficking, my initial request to block these items was wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n1681c-2) that you, the TransUnion LLC Consumer Dispute Center , block information\nappearing on my consumer credit report that is the result of identity theft and fraud within 4\nbusiness days of you receiving this complaint. The following items do not belong to me and is\na result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX\nXXXX XXXX  CA XXXX\nACCOUNTS:\XXXX  - Account Number: XXXX, Date Opened: XXXX, Balance: $XXXX\nXXXX - Account Number: XXXX, Date Opened: XXXX, Balance: $XXXX\nXXXX XXXX XXXX - Account Number: XXXX, Date Opened: XXXX, Balance:\n$XXXX\nXXXX - Account Number: XXXX, Date Opened: XXXX, Balance: $XXXX\nXXXX XXXX - Account Number: XXXX, Date Opened: XXXX Balance:\n$XXXX\nINQUIRIES:\n XXXX   Date: XXXX\n XXXX  Date: 05/23/2024\n XXXX XXXX  Date: 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 2025-07-10 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt. 
Defamation & Emotional Distress Damaging my financial reputation. 
Negligence Failure to verify the legitimacy of the debt before reporting. 
I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted.

CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law. 
This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/24 XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/24

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 2025-07-10 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Upon recent review of my consumer credit report I identified multiple serious billings errors which is in direct violation of THE TRUTH LENDING ACT ( TILA ) 15 U.S.C 1666 ( B ) Section 1666 ( B ) ( 4 ) states ; the creditors failure to properly reflect a payment made by the obligator ( myself ) or a credit issuer

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 2025-07-10 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-10 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: SECURITY FINANCE CORP
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX XXXX XXXX XXXX. I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. 

Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Self Financial Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX XXXX XXXX XXXX I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. 

Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ 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