vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
At this time, I dispute the delinquent payments reported on my credit bureaus by this company. The payment history is not accurate, as I could never have been XXXX late XXXX  without ever being XXXX late XXXX. I respectfully request a complete review of my payment history and the deletion of all delinquent payments altogether. I have always made my monthly payments within the XXXX grace period. PLEASE DELETE AFTER REVIEW ALL LATE PAYMENT HISTORY!!!

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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NV

Complaint narrative:
This account is being reported in error. I have no record or knowledge of this alleged debt being valid. I requested validation from Credit Control LLC and did not receive any proof that this debt belongs to me. Under the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ), the company is required to provide verification before reporting or attempting to collect. I am requesting that this account be removed from my credit report and all collection activity stop until validation is provided.

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 2025-11-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
RE : Formal Legal Complaint Inaccurate Charge-Off Reporting ( Account Opened XX/XX/year>, {$2400.00} Balance ) This letter constitutes a formal legal complaint and demand for deletion regarding an alleged charge-off account being reported under my name for the amount of {$2400.00}, opened on or around XX/XX/year>. 

Upon review of my credit reports, this account has been identified as inaccurate, incomplete, and unverifiable, in direct violation of multiple federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include : - FCRA 1681s-2 ( b ) : Failure to ensure accuracy and completeness of furnished data.

- FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within the XXXX statutory period. 
- FCRA 1681e ( b ) : Negligent and/or willful reporting of inaccurate information.

- FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of an alleged debt.

Demand for Action : You must immediately verify and substantiate this account by providing : XXXX. A copy of the original signed credit agreement establishing liability ; XXXX. A complete payment history reflecting accuracy of the reported balance ; XXXX. Evidence that the account was charged-off in compliance with federal banking and reporting standards ; XXXX. Documentation showing lawful assignment or retention for collection under your authority. 

If you can not provide verifiable, admissible documentation within XXXX  days, you are required to cease reporting and delete this account from all consumer reporting agencies. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I recently obtained a copy of my credit report and discovered several unauthorized hard inquiries and accounts that I do not recognize or consent to. These items appear to be inaccurate and do not belong to me, yet they have negatively affected my credit standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, I am requesting a full investigation and the immediate removal of these unauthorized inquiries and accounts from my credit report. 

The disputed hard inquiries and accounts are listed as follows : XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 11inquiries XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX I have already contacted the credit bureaus regarding this matter, but the information remains on my report. I am asking the CFPB to review my complaint and ensure that the credit bureaus and data furnishers comply with their obligations under the FCRA to maintain accurate and verifiable reporting. 

Please confirm receipt of this correspondence and advise me of the next steps in the investigation process. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-11-11 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: GA

Complaint narrative:
I am not tied to these accounts and demand their removal in XXXX  days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Equifax I guess you think you are above the law you were told to remove XXXX but you have not enclosed is a list of demand to be met by you. you did not release any information that i requested therefore I assume you did not do anything thats why you were sued by the CFPB. enclosed is a formal notice of continual violations and demand for deletion pursuant to the FSDCPA15 USC1692g { b } and FCRA15USC1681i ND 1681S-2 I AM REQUESTING THAT THE CFPB REVIEW YOUR RESPONSE THROUGH THEM for failure to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX  Subject : XXXX XXXX  Furnisher Reporting a Charge-Off Without Sending Required Notices XXXX XXXX  To : XXXX XXXX  Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX From : XXXX  * COMENITY BANK/NWYRK & CO XXXX XXXX  Regarding XXXX XXXX XXXX COMENITY BANK/NWYRK & CO, Account no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : XXXX XXXX I am disputing the way COMENITY BANK/NWYRK & CO is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

XXXX XXXX Details of the Issue XXXX XXXX XXXX  - The account in question is a credit card issued by COMENITY BANK/NWYRK & CO_ - The account reported positively for a period of time. 

- After I became delinquent, COMENITY BANK/NWYRK & CO charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

XXXX XXXX  Why This Matters : XXXX XXXX  - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

XXXX XXXX What I Am Requesting : XXXX XXXX  XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 

XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

XXXX XXXX  Consequences of Non-Compliance XXXX XXXX XXXX - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. XXXX XXXX Relief Requested XXXX XXXX XXXX - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

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

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX filing this complaint because TransUnion has failed to handle my dispute properly after several attempts on my part to fix inaccurate information about my XXXX account ( XXXXXXXX XXXX XXXX XXXX ). On XX/XX/year>, I sent a detailed dispute explaining that TransUnion is reporting incorrect data, including the date opened, high balance, and other details that dont match what other credit bureaus are reporting. After not getting a fair response, I sent a reinvestigation request on XX/XX/year>, providing more information and asking them to verify or correct the errors. Instead of doing a proper reinvestigation, TransUnion responded on XX/XX/year>, saying the account was already investigated and verified. Thats not what the law allows once I provide new or clarifying information, they are required to reinvestigate under the Fair Credit Reporting Act. It has now been weeks past the legal XXXX period, and TransUnion is XXXX reporting false and inconsistent data that continues to damage my credit. Ive done everything the right way, sent proof, and waited for a real investigation, but TransUnion refuses to comply. XXXX asking the CFPB to require TransUnion to finally do a complete reinvestigation or delete this inaccurate XXXX account from my credit file so I can have a fair and accurate report.

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 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following information on my TransUnion credit report. Below are the accounts I am disputing : CHARGED OFF XXXX XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$210.00} XXXX Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$580.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$1000.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$540.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$620.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$1400.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$720.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$1200.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$140.00} XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES XXXX XXXXXXXX, 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 2025-11-11 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX, XXXX XXXX AUTO - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX FUNDING - XXXX, XXXX of XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account XXXX be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal 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