vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I pulled my credit report last week and noticed the charge-off from XXXX XXXX. I sent them a letter on XX/XX/year>, requesting a copy of the 1099-C.

According to the IRS, creditors must issue a 1099C within 3 months of charge-off ( 26-CFR 1. 6050P-1 ). I want to verify that it was charged off properly through the correct channel, and I need it for tax and dispute documentation purposes only. 

We are currently in court over this account due to a judgment that was rendered without my knowledge. 

I was able to prove that this company did not serve me with any documentation and that they lied under oath to the judge, indicating that they did. This company used unethical procedures to get this judgment that was vacated. 

So the case in the State of Maryland ( XXXX ) is opening, and judgment was vacated due to this motion I filed this year ( DOCUMENTS ARE PROVIDED ). 

Secondly, I have the right to dispute a debt in collection if I believe they are trying to collect more than what's owed, and in fact, the amount was charged off and sold to someone else. 

XXXX XXXX  issue the form of a debt of {$600.00} or more has been canceled or forgiven by law. I filed a complaint against the XXXX  XXXX  due to inaccurate information on the credit report under this account. I did everything I was supposed to do under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MO

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 MO XXXX ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: IL

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Credit Reporting and Respond to Formal Dispute in Compliance with FCRA Filed Under : Credit Reporting Errors Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), 1681g I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report and the credit bureaus failure to comply with federal law as outlined in the Fair Credit Reporting Act ( FCRA ). 

After retrieving my credit file from XXXX, I identified several inaccurate accounts, inquiries, and personal information entries. I submitted a dispute and request for full reinvestigation, verification, and disclosure under the following FCRA provisions : 15 U.S.C. 1681i ( a ) Right to dispute inaccurate or incomplete information and obtain reinvestigation 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681g Right to obtain full file disclosure 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification for disputed items Disputed Accounts : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These tradelines and inquiries are inaccurate and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed item that can not be verified must be deleted from the credit file entirely.

FCRA Compliance Failures The credit bureau has failed to meet the following statutory obligations : 1681e ( b ) : Reasonable procedures for accuracy 1681i ( a ) ( 1 ) : Good-faith reinvestigation 1681i ( a ) ( 7 ) : Clear and complete method of verification 1681g : Full consumer file disclosure

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 2025-07-09 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:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Credit Reporting and Respond to Formal Dispute in Compliance with FCRA Filed Under : Credit Reporting Errors Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), 1681g I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report and the credit bureaus failure to comply with federal law as outlined in the Fair Credit Reporting Act ( FCRA ). 

After retrieving my credit file from XXXX, I identified several inaccurate accounts, inquiries, and personal information entries. I submitted a dispute and request for full reinvestigation, verification, and disclosure under the following FCRA provisions : 15 U.S.C. 1681i ( a ) Right to dispute inaccurate or incomplete information and obtain reinvestigation 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681g Right to obtain full file disclosure 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification for disputed items Disputed Accounts : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX XXXX Acct : XXXX Opened : XX/XX/XXXXXXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These tradelines and inquiries are inaccurate and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed item that can not be verified must be deleted from the credit file entirely.

FCRA Compliance Failures The credit bureau has failed to meet the following statutory obligations : 1681e ( b ) : Reasonable procedures for accuracy 1681i ( a ) ( 1 ) : Good-faith reinvestigation 1681i ( a ) ( 7 ) : Clear and complete method of verification 1681g : Full consumer file disclosure

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 2025-07-09 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After paying {$19.00} on a {$20.00} bill I received a collections call from Citi stating I had a past due payment which I paid on the XXXX. I was charge 600 % APR interest. No i have a collections call telling me i did not make a payment.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is blocking access despite clear fraud and valid ID documents.

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 2025-07-09 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-07-09 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: TX

Complaint narrative:
This letter serves as formal notice of fraudulent activity on my credit report. I have identified accounts that were not opened or authorized by me and must be considered the result of identity fraud or administrative error.

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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I created a PayPal account, and after a short period of normal use, my account was permanently limited without any clear explanation. I did not violate any terms or policies. I contacted PayPal multiple times to ask why my account was restricted and how to resolve the issue, but I only received automated replies that provided no useful information. I want to continue using PayPal and get access to my account again. PayPal refuses to provide clear answers or help, and I feel this is unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
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 : XXXXXXXX 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
ive sent in a letter under 15 U.S.C. 1681c2 You must block and delete within 4 business days. this final notice concerning your unlawful failure to remove fraudulent account information from my credit report, despite receiving a valid block and delete request under 15 U.S.C. 1681c2. please see attachments below.

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 2025-07-09 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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 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 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 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 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 2025-07-09 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: OH

Complaint narrative:
There are several fraudulent accounts listed on my credit reports. Please delete the listed accounts in my submitted FTC report. I have reached out to the credit bureaus multiple times in regards with no resolution. Please delete in accordance to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft.

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 2025-07-09 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: OH

Complaint narrative:
There are several fraudulent accounts listed on my credit reports. Please delete the listed accounts in my submitted FTC report. I have reached out to the credit bureaus multiple times in regards with no resolution. Please delete in accordance to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Disputed the debt on all Credit bureaus XXXX XXXX XXXX XXXX  multiple times. I have no knowledge of this debt they say I owe. I tried to mail furnisher regarding this debt and the mail was sent back to my home as undeliverable even to their forwarding address. Information cant be obtained by them because it unverifiable however they can report on my credit as verified and accurate. This is a clear violation of FCRA 611 ( 15 USC code 1681i & 623 ( 15 USC 1681s-2 ). I want this account deleted immediately. I also spoke to XXXX Dispute Rep yesterday XX/XX/year> ( XXXX ). He told me to file a complaint CFPB. It states on a recent dispute on Transunion XXXX XXXXXXXX ( attached ) both deleted but also verified and accurate which is a clear violation. How can it be both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Money was taken out of my account But it wasnt.me I was in prison when this happen When went to jail I left everything at the house when they took to jail my cell. Phone my my wallet My jewerly

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 2025-07-09 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-09 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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