vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Hi, Im writing this complaint because theres a collection account from XXXX XXXX XXXX on my credit report that I dont recognize and never authorized. The account says I owe {$5600.00}, but I honestly dont know what this is for, and I never got any notice or explanation about this debt before it showed up on my report. 

Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, and I havent received any real proof that this debt belongs to me. Also, under the FCRA ( 15 U.S.C. 1681i and 1681g ), I have the right to dispute any info that is not 100 % accurate or complete. I asked for a reinvestigation and I still havent seen anything that proves the debt is mine. 

This collection is hurting my credit and I dont think its fair to report something without proof or proper validation. I just want to make sure my credit file reflects only verified and true info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccurate and unverified accounts listed on my credit report. Despite my previous correspondence, the following accounts remain, and there are significant discrepancies between how these accounts are reported across the three major credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to formally dispute a charge posted to my Citi account regarding a purchase that I did not receive. In addition, I am providing the requested signed statement confirming that I have had more than two disputes for Non-receipt of purchased items from the same merchant within the past 30 days. 

Disputed Transaction Details : Merchant : XXXX XXXX  Item : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Gaming Laptop ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 1TB SSD , Platinum White ) Tracking Number : XXXX XXXX Dispute Reason : Non-receipt of item The XXXX tracking information states the item was delivered, but it was never received by me. There was no photograph provided as proof of delivery nor a signature of received, and after verifying with three local XXXX stores, I was informed they could not locate the package. Additionally, I spoke with my neighbors, and no one has seen or received the package on my behalf. 

I contacted XXXX XXXX, and a representative initially assured me a refund would be processed. However, I later received an email stating they would not be issuing a refund. Despite my efforts to locate the package and resolve the issue with the merchant directly, I have not received the item, and I do not believe it is fair that I should be responsible for paying for merchandise I never received. 

I again contacted XXXX XXXX as they say they were going to issue a replacement but eventually the replacement got cancelled. Contacted them for the third time and they said that they couldn't help me anymore. 

Opened a dispute with my credi card company CITI BANK and they said they couldn't find an error so I would be responsible for the charge. ( Letter attached )

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 2025-05-28 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: CA

Complaint narrative:
I have reached several times to Equifax and Experian informing them that they have violated my privacy as well as did not provide any proof of validation of public records Now seeing that the courts do not send out public records and there was no proof that these public records they not only violated my privacy under Rule 9037 along with 15 US Code 1681b where I didnt give permissible purpose for this information to be even documented on my credit report. So it needs to be removed at once because its a blatant violation of my rights and privacy. No only that but it has caused me great harm. It has held me back in so many ways. This needs to be removed at once or Ill be calling my lawyer!!!!

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 2025-05-28 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: MI

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} InquirieXXXX 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 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 explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} InquirieXXXX 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccurate and unverified accounts listed on my credit report. Despite my previous correspondence, the following accounts remain, and there are significant discrepancies between how these accounts are reported across the three major credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-28 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccurate and unverified accounts listed on my credit report. Despite my previous correspondence, the following accounts remain, and there are significant discrepancies between how these accounts are reported across the three major credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I disputed this rental debt with the credit bureaus and directly requested verification from XXXX XXXX XXXX. I specifically asked for documentation validating the charges, including a signed lease agreement, itemized move-out charges, a full payment history, and legal proof of assignment or ownership. They failed to respond with any of the required documentation.

Despite this, they continue to report a {$19000.00} collection on my credit report. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), they are legally obligated to validate any alleged debt and may not continue reporting if they fail to do so.

This account remains unverified and therefore can not be legally enforced or reported under federal law. Their continued reporting violates my rights and is damaging my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These assertions have caused measurable damage to me and my credit health.

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 2025-05-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.

Complaint narrative:
Whom It May Concern, I am writing to formally express concern over a phone interaction I had with a representative from your agency regarding a debt allegedly owed to XXXX XXXX XXXX XXXX. 

During the call, I calmly asked the reason for the contact. Instead of responding, the agent hung up on me. I then called back and requested to speak with a supervisor, who was also rude and dismissive. 

This behavior is not only unprofessional but may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires all debt collectors to treat consumers with respect and provide proper documentation when requested. 

I am now making the following requests in writing : XXXX. Written verification of the debt, including : The original balance owed Any fees or interest added The date of the original debt XXXX. That all future contact be made in writing only, at the address/email provided below. 
XXXX. That your office review this matter and respond with an explanation or formal apology regarding the treatment I received.Specifically from agent names XXXX If I do not receive appropriate documentation or a resolution within 10 business days, I will file formal complaints with the Missouri Attorney General and the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to fraud unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. '' XXXX XXXX Reported : XXXX XXXX, XXXX {$9900.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$6900.00} XXXX XXXXXXXX XXXX. 
Reported : XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$410.00} XXXXXXXX XXXX  Reported : XX/XX/XXXX {$840.00} XXXX XXXX  Reported : XX/XX/XXXX {$980.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$260.00}

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 2025-05-28 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: TX

Complaint narrative:
I noticed several inaccurate and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I

m asking for the unauthorized inquiry to be removed and permanently blocked immediately. This issue has caused me extreme XXXX and XXXX, and it needs to be fixed now so I can finally stop stressing about something I didnt even do.

I woke up to a completely unexpected and unauthorized inquiry on my credit report, and Im extremely frustrated. I double-checked by refreshing the page, hoping it was a tech issue, but the inquiry stayed. Im asking for an urgent review of my submitted documents so that this kind of error doesnt continue to cause me stress.

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 2025-05-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, a foreclosure action was filed against my late husbands estate in the Circuit Court for XXXX XXXXXXXX XXXX XXXX ( Case No. XXXX ). The action was initiated by BWW Law Group on behalf of XXXXXXXX XXXX XXXXXXXX. However, the foreclosure was based on materially defective documents. The Deed of Trust and Promissory Note submitted in the foreclosure : Do not list my husband, XXXX XXXX, as borrower or grantor. Do not pertain to the foreclosed property ( XXXX XXXX XXXX, XXXXXXXX XXXX ). Refer to a different property located in XXXX XXXX, not XXXX XXXX XXXX  Despite these fatal defects, BWW Law Group filed a sworn affidavit under XXXX  Rule 14-207 ( b ) ( 1 ) - ( 3 ) falsely claiming the documents were true and accurate for the subject property. I reached out to both BWW Law Group and XXXXXXXX XXXX XXXX disputing the debt and requesting supporting documents. As of now, no proper validation or correction has been provided. On XX/XX/XXXX, a foreclosure sale was conducted based on these invalid documents. The sale was not legally supported by a valid lien or enforceable note. The wrongful foreclosure has caused significant distress and threatens the legal and financial stability of the estate I am administering. I request that the CFPB investigate these serious violations and help prevent further harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am writing regarding the dispute of the account reported by XXXX XXXX XXXX XXXX, with account number * XXXX, corresponding to a balance of {$1100.00}. I have received notification that this account has been verified as accurate. However, after a thorough review, I continue to disagree with the validity of this account in my credit report and hereby request its removal based on the following reasons : Lack of Verifiable Documentation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all reported information must be verifiable and accurate. I request specific documentary evidence supporting the legitimacy of this debt, including the original signed contract and detailed billing records. 
Possible Billing Error : I have not received any adequate notification or proof of the original debt from the original creditor, XXXX XXXX XXXX XXXXXXXX. I demand documentation that demonstrates the accuracy of the balance and confirms that I was properly notified of this obligation. 
Compliance with Collection Regulations : According to the Fair Debt Collection Practices Act ( FDCPA ), any collection agency must provide validation of the debt. If XXXX XXXX XXXX XXXX can not present sufficient and legitimate proof that this debt is valid and enforceable, it should be immediately removed from my credit report. 
Undue Impact on My Credit : This account significantly affects my credit history, limiting my access to financial opportunities. Since the account was previously disputed and only " updated '' without c

Company response to consumer: Closed with non-monetary relief