vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
These accounts have been reinserted to my credit report after removal due to my information being exposed in the Equifax data breach, these accounts are unauthorized. I would like for these accounts to be removed and blocked from my profile immediately per FCRA 605B. I want to resolve this issue before taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX  XXXX ). All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, Equifax and Trans Union Complaint I am filing this complaint against Experian, Equifax and Trans Union for failure to accurately investigate and correct multiple accounts on my credit report, which were included in my XXXX  XXXX XXXX  filed on XX/XX/year>. Before my Chapter XXXX I had no late payments. After petitioning I recived XXXX OR more XXXX to XXXX  day late payments. 

Despite sending a formal written dispute under FCRA 1681i on [ XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/year>, with supporting documentation including my XXXX  discharge, Experian failed to correct or delete the following accounts : XXXX XXXX XXXX reporting a late payment after bankruptcy filing still show balances or charged off despite being XXXX XXXX Card XXXX late reported post-bankruptcy XXXX  XXXX ( multiple accounts ) XXXX  days late reported post-bankruptcy still show balances or charged off despite being XXXX XXXX  XXXX accounts included in XXXX still show derogatory or disputed marks Experian did not provide a method of verification or reinvestigation results in compliance with FCRA. These inaccurate reports are damaging my creditworthiness and violating my consumer rights. 

I am requesting CFPB intervention to enforce my rights under FCRA and ensure correction or removal of these items.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-30 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:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/year>, unauthorized transactions totaling approximately {$1500.00} appeared on my Way2Go card, with one major charge being {$1200.00} from an online merchant, XXXX, which I did not authorize or consent to. I immediately reported the card as compromised and canceled it on the same day. 

I submitted all the required documents to the fraud department, including : A signed affidavit Screenshots of the unauthorized charges A recent utility bill verifying my identity and address Despite providing strong evidence and following all required procedures, the fraud investigation was closed in favor of the merchant. I was denied a refund, and my case was not reopened, even after multiple attempts to contact customer service, which included being disconnected during follow-up calls.This decision is unfair and appears to violate Regulation E, which is meant to protect consumers from unauthorized electronic transactions. I believe my case was mishandled and improperly closed without proper investigation or consideration of the documentation I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-07-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification XXXX XXXX XXXX ( Acct # XXXX ) To Whom It XXXX Concern : I am writing regarding a recent credit dispute I submitted to Experian concerning the account listed below : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Dispute : [ Insert original dispute date ] Result : Verified ( According to your response ) Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting the following : 1. A complete description of the procedure used to verify the accuracy of this account, including the name and contact information of the party with whom you verified the account.

2. A copy of the Automated Consumer Dispute Verification ( ACDV ) form or any other method of communication used in your investigation process. 

It is my right to know how this information was verified and what steps were taken to confirm its accuracy. Simply stating the account was verified is not sufficient under federal law. 

If you are unable to provide the requested information, I request that the account be deleted immediately from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

I expect your written response within XXXX business days of receipt of this letter. 

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 2025-07-30 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
I disputed a charged-off tradeline on my Experian report from Celtic Bank/Continental Finance XXXX account XXXX XXXX, charged off XX/XX/XXXX for {$870.00}, now sold ). 
Problems with this reporting : No verification : The account was sold, so Celtic Bank is no longer handling it. If they can not provide full records, the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ) requires deletion. 
Possible errors : The amount ( {$870.00} ) and the Date of First Delinquency appear incorrect based on my records. An incorrect DoFD impacts how long this account stays on file ( 15 U.S.C. 1681c ).

No documentation : Under UCC 3-501 and 9-210, I requested an original contract and full accounting. None has been provided. 
Duplicate harm : This account is already in collections with another company, so I am penalized twice ( original charge-off and collection ). 
I request that Experian delete this charge-off unless Celtic Bank provides proper verification, contract documents, and correct dates. Supporting evidence ( my dispute letter and FTC Identity Theft Report # XXXX ) is attached.

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 2025-07-30 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> I cancelled the renewal of my current homeowners policy in order to switch providers. I received notice from XXXX that the current policy was cancelled and asking for an updated policy. Even though XXXX confirmed with both XXXX and XXXX XXXX XXXX about new coveraXXXX through them XXXX still on XX/XX/XXXX made a yearly insurance payment to the old home insurance provider. XXXX  days before a scheduled transfer to a different mortgage servicer which now complicates receiving that payment back and I am being told I will have put out almost XXXX out of pocket until I can get that money that XXXX incorrectly paid in a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
The Citi Bank credit card group refused to refund an overpayment of {$19000.00} from my account. Credit card account number. XXXX XXXX.initially I was told XXXX days for refund. Now they are telling me I must wait another 12 days for verification and approval. They also refuse to tell me when then refund will be sent to me. This credit card company is just sitting on my funds and keeps making excuses why they are not refunding despite numerous calls The Last excuse was to send me a letter which I received XX/XX/2025 telling me process will require another XXXX  days to even approve the refund. The funds have been full settled in the account for over XXXX  days Frankly this company I has converted my funds to their own use and refuse to even tell if and when I will get my money back. They will not even consider paying any interest or fee on this wrongful withholding. This company needs to stop holding my money and immediately refund the money to me.

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 2025-07-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation