vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2017, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 case number XXXX, as proof from the XXXX 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. 

These actions have : Falsely lowered my credit score daily. 

Prevented access to fair housing and credit opportunities. 

Cost me income and work hours spent disputing. 

Interfered with urgent medical care for serious health issues. 

Exacerbated stress and emotional harm to me and my three children. 

3. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See attached PDF Attachment A Account Details for Same-Day Correction for full table. ) 4. Positive Tradelines Missing/ Omitted : XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX & XXXX never late Rental and utility accounts, insurance accounts never late XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone Bills, Rental Bills These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i.

5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. 

Restore/ Add all positive tradelines from Attachment A with complete payment history. 

Update my credit report to reflect decades of credit history ( 30+ years ). 

Provide written confirmation of compliance by XXXX XXXX  today, XX/XX/XXXX. 

Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. 

Additional complaints to all applicable federal and state authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex XXXX, has account that is declared as chargeoff, An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to the Citibank and deposit a cash to the drive thru atm at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and when i deposit my Cash around XXXX XXXX XXXX XXXX the machine was malfunction and when i click deposit then that happen, it was {$2800.00} cash. And i went inside the bank they told that they can't help me with that. I was frustrating cause that money im gon na use for rent for food for gas everything i can't even send money to my son in XXXX cause of that happen. Can u please help me i reported already a Dispute thru phone call on citi bank but still nothing it's been 7 days now. I still got nothing. Please

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 2025-08-13 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to comply with my prior disputes and verification requests. 

I first disputed inaccurate information in XX/XX/XXXX and sent follow-up correspondence on or before XX/XX/XXXX. Despite multiple attempts and submission of the necessary documentation, both bureaus have continued to report inaccurate and unverifiable information without providing proper reinvestigation results or verification details. 

Disputed Item XXXX XXXX, Date Opened : XX/XX/XXXX Under 15 U.S.C. 1681i ( a ) ( 7 ), I requested the method of verification, including : The specific procedures used in the verification process.

The full name, title, and contact information of the person ( s ) or entity contacted.

All documentation relied upon during the investigation.

To date, neither Equifax nor TransUnion has provided this information. Their failure to correct, remove, or substantiate the disputed account constitutes willful non-compliance with : 15 U.S.C. 1681i ( a ) ( Duty to conduct a reasonable reinvestigation ).

15 U.S.C. 1681e ( b ) ( Duty to ensure maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-13 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:
These accounts must be deleted within 15 days as I have no link to them, per USC 1681g.

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 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
This company is operating much the same as other front companies. Advance Financial is a lender that is Headquartered in XXXX Tennessee and has locations throughout the United States. However they utilize a bank in Utah, specifically XXXX XXXX XXXX  to be able to fund various loans. They currently offer something called a XXXX XXXX line of credit which essentially functions as an installment loan but is written as to not appear that way, you take out a certain amount, then proceed to repay over time each month paying towards both principal and interest. This is incredibly deceptive as when calculating the rates that they offer, youre repaying with APRs as high as 300 % but they have them hidden due to it supposedly being a line of credit. This is all done through Advance Financial 24/7 and any of their offshoots such as Advance America. These interest rates are highly illegal in my home state of Florida and they are hidden through deceptive wording and misrepresentation of an installment loan as a line of credit. This leads to consumers being trapped into a cycle of years worth of payments on a borrow as little as XXXX XXXX This is clearly being run as a rent-a-bank scheme utilizing a bank in Utah to be able to provide loans and loans for interest rates that are well over the legal amount for the states they are operating in. This is a known fact as Advance Financial has had several class action lawsuits filed in regards to their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Consumer Complaint XXXX XXXX Bank, XXXX. & Midland Credit Management I am filing this complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX Bank, XXXX. and Midland Credit Management. 

Facts & Timeline : On XX/XX/year>, I received a letter from Midland Credit Management stating that XXXX XXXX Bank had sold an account allegedly belonging to me to them. 
Before XXXX began reporting or collecting, I sent a Debt Defense Demand Letter requesting full validation of the debt in compliance with FDCPA 809 ( 15 U.S.C. 1692g ), including the original signed agreement, full payment history, and complete chain of title. 
Neither XXXX XXXX nor Midland has provided any of the requested validation. Instead, Midland has continued to report and attempt collection, and XXXX XXXX has failed to provide the transfer documentation or proof of ownership before selling the account. 
No Pooling and Servicing Agreement ( PSA ), purchase agreement, or securitization details have been provided, even though these are necessary to establish lawful ownership and standing.

V

erification is not validation under the law, and both companies have ignored this legal requirement.

Violations : 1. FCRA 611 & 607 ( b ) Failure to conduct a reasonable investigation and continued reporting of inaccurate/unverified information.

2. FCRA 609 ( a ) ( 1 ) Failure to provide all documents in
my file related to the account, including original contracts and ownership transfer documents.

3. FDCPA 809 ( b ) Failure to cease collection until debt validation was provided.

4. FDCPA 807 Misrepresentation of the character, amount, or legal status of the debt.

Prior Action : I have filed an FTC Identity Theft Report and IRS Form 3949-A regarding this account. 
I have supporting documents, including my original debt defense letter, certified mail receipts, and the XX/XX/XXXX Midland letter, which I will upload with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 filing this complaint against Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to comply with my prior disputes and verification requests. 

I first disputed inaccurate information in XX/XX/XXXX and sent follow-up correspondence on or before XX/XX/XXXX. Despite multiple attempts and submission of the necessary documentation, both bureaus have continued to report inaccurate and unverifiable information without providing proper reinvestigation results or verification details. 

Disputed Item XXXX XXXX, Date Opened : XX/XX/XXXX Under 15 U.S.C. 1681i ( a ) ( 7 ), I requested the method of verification, including : The specific procedures used in the verification process.

The full name, title, and contact information of the person ( s ) or entity contacted.

All documentation relied upon during the investigation.

To date, neither Equifax nor TransUnion has provided this information. Their failure to correct, remove, or substantiate the disputed account constitutes willful non-compliance with : 15 U.S.C. 1681i ( a ) ( Duty to conduct a reasonable reinvestigation ).

15 U.S.C. 1681e ( b ) ( Duty to ensure maximum possible accuracy ).

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 2025-08-13 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

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

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX TO Date : XX/XX/XXXX XXXX XXXX TO Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

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

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 2025-08-13 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: 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 2025-08-13 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: 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 response to consumer: Closed with non-monetary relief