vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
The reported details do not properly represent my financial history. Kindly review the record and revise it appropriately.

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 2025-12-02 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: SC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-02 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: GA

Complaint narrative:
I am writing as a consumer who is simply trying to fix my credit and ensure that the information reported about me is fair, accurate, and complete as required under the Fair Credit Reporting Act ( FCRA ). After reviewing my Equifax credit report, I found several accounts and entries that appear inaccurate, incomplete, or unverifiable. I am requesting a full investigation into the following items : Charged-Off Accounts in Dispute XXXX, Acct # : XXXX, Opened : XX/XX/year>, Balance : {$320.00} XXXX, Acct # : XXXX, Opened : XX/XX/year>, Balance : {$730.00} These accounts do not appear accurate, and I am requesting verification and correction or deletion if they can not be verified under FCRA 602A and 611. 


Late Payments in Dispute XXXX XXXX, Acct # : XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
I am requesting a correction to a late payment XXXX XXXX reported on my credit report. The late payment occurred only because a XXXX XXXX representative placed me into a payment plan and gave me incorrect instructions about how the plan worked. 

During a call with XXXX XXXX, I was told : My credit card account would be closed as part of the plan The balance would be converted into an installment-style plan ( similar to Afterpay ) Automatic withdrawals would be set up for the payments I would not need to make any additional payments outside of the auto-payments The plan would run until the payoff date provided to me Because of this, I relied on XXXX XXXX guidance and believed I was paying the account properly. 
I was never told that the original revolving account would continue to report minimum payments due every month, even after being closed and placed in the plan. If XXXX XXXX had explained this clearly, I would have made additional payments immediately. 

The late payment is the direct result of XXXX XXXX miscommunication and incorrect instructions, not neglect on my part. I acted in good faith and followed everything the XXXX XXXX representative told me to do. 

This incorrect late mark is now harming me financially. Another lender ( XXXX XXXX ) is closing my account because of this. I am asking the CFPB to require XXXX XXXX to review this situation and remove the late payment as a goodwill/courtesy adjustment due to the misleading information I received. 

I want XXXX XXXX to correct the reporting and delete the late payment from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am submitting this filing to dispute the following items on my credit report. The items listed below are either inaccurately reported or should not be included in my credit report. I request that these items be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$100.00} Inquiries XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-02 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: Climb Credit Inc.
State: TX

Complaint narrative:
Climb Credit. A personal loan company for educational reasons opened an account under my credit without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
b'I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items with each credit bureau individually. Under the Fair Credit Reporting Act (FCRA), I am asking that any information that cannot be fully verified be corrected or removed.\nCharged Off Accounts in Dispute\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 XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate PaymentsXXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  is reporting a Citibank Macys account on my credit file using information that is false, contradictory, and legally unverifiable. In a prior CFPB complaint, Citibank Macys stated that the debt was never sold, that no third party had authority over the account, and that Citibank was solely responsible for all reporting. That statement was false. 

The court record and the fully executed Stipulation Agreement dated XX/XX/2024, filed under California Code of Civil Procedure section 664.6, prove the opposite. In that agreement, Citibank acted entirely through XXXX and XXXX XXXX, who exercised full enforcement authority over this account. Their attorneys negotiated the settlement, set payment terms, accepted every payment, maintained the payment ledger, threatened enforcement, and controlled judgment entry and dismissal. These actions are only possible when a creditor delegates full enforcement authority. This directly contradicts Citibanks previous statement to the CFPB.

XXXX  relied on Citibanks false statements, ignored legally binding court documents, and closed my prior dispute without conducting a legally required reinvestigation. XXXX  continued reporting this tradeline as though Citibank was the active furnisher, even though the record shows conflicting information regarding who had authority, who enforced the debt, and who handled the payments. When the furnishers own statements contradict the legal record, the account can not be verified under the Fair Credit Reporting Act. Because XXXX  failed to reconcile these contradictions and failed to verify the accuracy of the information, the reporting is misleading and must 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies are reporting false and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items, but they continue to report inaccurate and harmful data. I am requesting immediate reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX I do not have verified proof of this debt. No validation was provided. 
XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Late payments are incorrect. I was never late. 
XXXX XXXX BANK XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX I have no knowledge of this account. No proof of liability was supplied. 
XXXX ( Multiple Accounts ) Late Payments Dates Opened : XX/XX/XXXX, XX/XX/XXXX All late payments are incorrect. XXXX failed to verify any delinquency. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX I do not recognize this charge-off. No documentation was provided. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX This account is not mine and was never validated. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Unverified collection. No contract or proof provided. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX I do not owe this debt and the furnisher failed to validate. 
I request that the CFPB require the furnishers and bureaus to verify each account with original documentation or delete the items immediately as required under 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They did not follow the proper 5 step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account is taken off immediately. 

XXXX XXXX Midland Credit XXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am writing to formally dispute certain inaccuracies reflected on my Equifax credit report. 
According to my most recent credit report, several accounts have been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). 
The accounts in question are : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Balance : {$5800.00} Date Opened : XX/XX/XXXX Comments : Disputed by consumer, unpaid balance reported as a loss. 
FCRA Violation : The inaccurate status of this account ( reported as " unpaid balance '' but claimed to be paid ) needs to be rectified to reflect the correct information.

Data Breach Reference : Inaccurate reporting of this account indicates a potential breach in data accuracy and verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Balance : {$740.00} Date Opened : XX/XX/XXXX Comments : Unpaid balance reported as a loss by credit grantor. 
FCRA Violation : Failure to accurately report the status and balance, misrepresenting the current status of this account. 
XXXXata Breach Reference : Information may be improperly reported or misrepresented, violating the requirement for accurate data handling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I requested that Transunion investigate a dispute that I submitted for identity theft and fraud. They did not investigate or delete the account in fact they updated and verified the account to my report that does not belong to me from XXXX XXXX. Transunion also did not delete the fraudulent student loan that is reflecting on my report along with a few remaining inquiries.

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 2025-12-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-02 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: CA

Complaint narrative:
please remove mentioned above hard inquiry 's they are not mine and are fraudulent

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