vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: AR

Complaint narrative:
I submitted a formal dispute regarding several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). I provided supporting documentation to demonstrate that the information was incorrect and did not belong on my credit file. Despite this, the credit bureau failed to conduct a reasonable and timely reinvestigation within the required 30-day period.

No meaningful changes or updates were made to my credit report, and no sufficient explanation or verification was provided. This is a direct violation of my right to a proper reinvestigation under the FCRA. 

The disputed and unresolved items include : Incorrect or unverified addresses : 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 Balance : {$6800.00} These accounts either do not belong to me, were inaccurately reported, or lack proper verification. The continued reporting of these items is materially damaging to my credit score and financial standing.

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 2025-09-11 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: AR

Complaint narrative:
I submitted a formal dispute regarding several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). I provided supporting documentation to demonstrate that the information was incorrect and did not belong on my credit file. Despite this, the credit bureau failed to conduct a reasonable and timely reinvestigation within the required 30-day period.

No meaningful changes or updates were made to my credit report, and no sufficient explanation or verification was provided. This is a direct violation of my right to a proper reinvestigation under the FCRA. 

The disputed and unresolved items include : Incorrect or unverified addresses : 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 Balance : {$6800.00} These accounts either do not belong to me, were inaccurately reported, or lack proper verification. The continued reporting of these items is materially damaging to my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
Subject : Formal Dispute XXXX XXXX  Credit Card ( Charge-Off / Profit & Loss Write-Off Reporting ) To TransUnion, Experian, and Equifax and XXXX XXXX  XXXX I am formally disputing the XXXX XXXX credit card tradeline currently appearing on my credit reports. The reporting is inaccurate, contradictory, and unverifiable. I demand either a full correction or the immediate removal of this tradeline across all credit bureaus. 

XXXX. Manipulated and Backdated Delinquency XXXX  has repeatedly altered the reported first delinquency date.... first XXXX, then XXXX, and now XXXX. These retroactive changes appear deliberately designed to accelerate a charge-off prior to XXXX transfer of its credit card portfolio to XXXX XXXX  XXXX Such manipulation is misleading, prejudicial, and violates the FCRAs requirement of consistent and accurate reporting. 

XXXX. Contradictory Status Reporting The account is simultaneously listed as : Charge-Off Profit and Loss Write-Off 120+ Days Late ... to 180+ days with Balance Due These statuses can not logically coexist. An account can not be both written off and still accrue delinquency. This dual reporting is inconsistent and materially misleading. 

XXXX. Profit and Loss Write-Off Without Clarification If XXXX has reported this account as a profit and loss write-off, then one of two things must be true : If the debt has been canceled or forgiven, XXXX  must issue a Form 1099-C to me and to the IRS as required by law. 

If the debt has been sold or transferred, XXXX can not continue reporting a balance, and only the new owner may lawfully report the debt. 

To date, XXXX has failed to provide any such clarification. 

XXXX. Incomplete and Inconsistent Bureau Reporting ( every credit bureau seems to be reporting differently and w erroneous information each in its own way ) XXXX  reporting is not even consistent across bureaus. Some bureaus show charge-off ; others are in dispute ; still others omit critical remarks. This violates the FCRA requirement that credit information furnished to all bureaus must be complete and accurate.

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 2025-09-11 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: NY

Complaint narrative:
Subject : Formal Dispute XXXX XXXX  Credit Card ( Charge-Off / Profit & Loss Write-Off Reporting ) To TransUnion, Experian, and Equifax and XXXX XXXX  XXXX I am formally disputing the XXXX XXXX credit card tradeline currently appearing on my credit reports. The reporting is inaccurate, contradictory, and unverifiable. I demand either a full correction or the immediate removal of this tradeline across all credit bureaus. 

XXXX. Manipulated and Backdated Delinquency XXXX  has repeatedly altered the reported first delinquency date.... first XXXX, then XXXX, and now XXXX. These retroactive changes appear deliberately designed to accelerate a charge-off prior to XXXX transfer of its credit card portfolio to XXXX XXXX  XXXX Such manipulation is misleading, prejudicial, and violates the FCRAs requirement of consistent and accurate reporting. 

XXXX. Contradictory Status Reporting The account is simultaneously listed as : Charge-Off Profit and Loss Write-Off 120+ Days Late ... to 180+ days with Balance Due These statuses can not logically coexist. An account can not be both written off and still accrue delinquency. This dual reporting is inconsistent and materially misleading. 

XXXX. Profit and Loss Write-Off Without Clarification If XXXX has reported this account as a profit and loss write-off, then one of two things must be true : If the debt has been canceled or forgiven, XXXX  must issue a Form 1099-C to me and to the IRS as required by law. 

If the debt has been sold or transferred, XXXX can not continue reporting a balance, and only the new owner may lawfully report the debt. 

To date, XXXX has failed to provide any such clarification. 

XXXX. Incomplete and Inconsistent Bureau Reporting ( every credit bureau seems to be reporting differently and w erroneous information each in its own way ) XXXX  reporting is not even consistent across bureaus. Some bureaus show charge-off ; others are in dispute ; still others omit critical remarks. This violates the FCRA requirement that credit information furnished to all bureaus must be complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the XXXX XXXX XXXX conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AR

Complaint narrative:
Equifax continues to violate the Fair Credit Reporting Act : XXXX. Wrong Name Reporting They are reporting me as XXXX XXXX and XXXX XXXX XXXX XXXX My correct legal name is XXXX XXXX ( changed in XXXX ). Reporting under an old/inaccurate name is misleading and creates a mixed file. 


XXXX. Improper Verification Equifax claims they verified an XXXX XXXX charge-off ( Acct * XXXX ) but provided only a data form, not original documentation. Under FCRA 1681i, a reasonable reinvestigation requires actual proof, not hearsay from the furnisher. 


XXXX. Contradictory Reporting Despite acknowledging the name mismatch, Equifax still states WE VERIFIED THAT THIS ITEM BELONGS TO YOU. This is logically inconsistent and inaccurate. 


XXXX. Charge-Off Updating Account continues to update monthly as Closed with a balance of {$21000.00}, past due {$17000.00}, which keeps the derogatory account active. After charge-off, continual updating without proof may be unlawful.

5. Potential Re-Aging Risk They list first delinquency as XX/XX/XXXX, making fall-off XX/XX/XXXX. Any attempt to extend beyond that violates FCRA 605

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-11 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-11 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Removing hard inquiries from my credit report XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive recently opened a bank account with citi bank a few months ago I havent had any issues up until XX/XX/XXXX my sons birthday after they put my account on hold I dont know what was the reason I know that my son got his summer youth check sent there and I also got my checks sent there all of our money is stuck in this account and Citi bank has been tellin me wait for a letter in the mail that I never received and its been over 30 days my son was staying with his mom and sister but they had a house fire in XXXX so hes been staying with me recently and we have no money and he cant even access his money from him workin so he can buy new clothes one Citi bank worker advised me to borrow money from a friend or family while their holding my money for no reason I went to a branch multiple times called multiple times and I even escalated it to the executive response team and still not help so now they are just holding my money with no explanation as to why or how long they keep sending out different letters and I have never gotten any I just need my money out of the account so I can give my son his money and pay my bills during this hard time

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 2025-09-11 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: FL

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-11 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: FL

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : 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/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-11 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: TX

Complaint narrative:
I am writing to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief