vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - APPLES AND ORANGES Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-10-22 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: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am a verified victim of identity theft. I submitted a complete identity-theft report, government ID, and proof of address to TransUnion identifying multiple fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), TransUnion is required to block and delete information resulting from identity theft within four business days of receiving proper documentation. Despite providing all legally required documents, TransUnion continues to report these accounts as valid and verified, in violation of the FCRA. 

I previously disputed these same accounts with the original creditors, who confirmed the accounts were fraudulent and deleted them from their systems. XXXX  has already removed them from my credit file, yet TransUnion refuses to comply or provide written reasoning for their failure to block these items.

Laws violated : FCRA 605B ( 15 U.S.C. 1681c-2 ) failure to block fraudulent information within 4 business days FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation FCRA 623 ( 15 U.S.C. 1681s-2 ) failure of furnishers to report accurate information What I want TransUnion to do : Immediately block and permanently delete all fraudulent accounts related to XXXX XXXX XXXX XXXX XXXX from my TransUnion credit file. 

Send me a written confirmation of deletion within 10 business days. 

Update and provide an accurate, corrected copy of my credit report to all parties who have received the inaccurate data in the past six months.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I prepaid for gratuity on an all exclusive cruise with XXXX XXXX on the week of XX/XX/XXXX thru XXXX XXXX. I was then billed on my Citibank XXXX credit card on XX/XX/year> a charge of {$140.00} per cabin. I purchased two cabins and was charged the {$140.00} per cabin. On the credit card statement, XXXX labels the gratuity as XXXX XXXX XXXX. This is also known as gratuity which is very misleading to the credit card company but if you go to XXXX XXXX webstite it will state XXXX XXXX charge is the same as gratuity due to they are a XXXXXXXX XXXX XXXX. When I saw the charge, I the same day went to the concierge on the cruise but I was told they could not do anything about it and can call my credit card company. I also called XXXX customer service directly and was told the same. I then called Citbank and started a dispute claim. After several weeks, I received a litter from Citibank that I was denied and that I was responsible for the charge. I then called to reopen the claim and resent in the paid invoice that I had. I also found out that XXXX never responded to the dispute that Citibank sent which should have been in my favor.

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 2025-10-22 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: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT, NOR HAVE I EVER BEEN ASSOCIATED WITH IT.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I wrote a check to my husband for an investment account, mailed it to my financial advisor ( on his recommendation ). The check was stolen from the XXXX mail-most likely from the sorting center- and was washed, then made out to someone I do not know and for an amount I did not authorize. In the amount of {$10000.00}. The check cleared on XXXX discovered this on XX/XX/year>. Immediately went to my local bank but this was on a Saturday and only a teller was present and she was no help at all. Went back to my bank first this Monday morning and they really are no help, stating we only have a couple of options. I refuse to believe someone can steal my mail and money and get away with it. I have made a police report, as well as reported to the postal inspector. We have filed a fraud complaint with the depositing bank which was bank of america. However, I do not know how far it will go with BoA since I am not a customer of theirs ; the check was written on my account at a local smaller bank. 

I refuse to believe there is nothing I can do ; I can not believe this is such a nation wide issue and is not reported on. I had no clue about check washing, if I had known obviously I would not have mailed the check.

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 2025-10-22 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: CA

Complaint narrative:
Between XXXX and XX/XX/2025, I sent XXXX dispute rounds through XXXX XXXX XXXX Mail to all credit bureaus and Midland. Midland continues to report an unverifiable debt and send payment demands despite receiving formal disputes. This violates FCRA 611 ( a ) and FDCPA 809 ( b ). I request CFPB assistance to compel Midland to verify or delete the account and cease further collection contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer in the amount of {$45000.00} to pay off my installment loan. Since then, I have made multiple attempts to understand why the payment has not yet been applied to my account, and I am extremely dissatisfied with the handling of this issue. 

I called your customer service line on XX/XX/year>, XXXX, XXXX, XXXX, and again today, XX/XX/XXXX. During these interactions, I received conflicting and misleading information. On my first call, I was transferred XXXX times before finally speaking to someone at Fifth Third Bank who confirmed that they had, in fact, they received my wire transfer. However, prior to that confirmation, I was incorrectly told that I had sent the wire transfer incorrectly. The representatives dismissive attitude essentially too bad only heightened my anxiety over whether {$45000.00} had disappeared into a financial black hole. 

It wasnt until XX/XX/XXXX that I was finally informed that wire transfers can take XXXX business days to process. When I called again on the XXXX ( the fourth business day due to the XXXX being a holiday ), I was told it was still processing and to call back in XXXX days. 

On XX/XX/XXXX, I was told that the funds still hadnt been applied because they didnt know which account to apply the money to, despite the fact that I had included my account number in the memo line exactly as instructed. I was later told that the account number needed to appear next to my name, but that was never communicated to me when I asked for wiring instructions. 

Additionally, I was told that an email was sent to me requesting clarification which I never received. Then Fifth Third Bank changed their story and I was told the email was sent to XXXX  XXXX XXXX. I contacted XXXX  XXXX XXXX, and they confirmed they received no such communication. 

At this point, it has been XXXX  days ( XXXX business days ) since the wire was sent. Ive spoken with multiple representatives, many of whom were difficult to understand due to heavy accents, and Ive received inconsistent, inaccurate, and often dismissive responses. Not once during my earlier calls was I informed of any issue with lack of account number with the wire transfer This entire experience has been unnecessarily stressful, confusing, and deeply frustrating. I am requesting : Immediate application of the wire funds to my account. 

Written confirmation that the funds have been received and credited. 

A formal apology for the mishandling of this situation. 

A full investigation into the misinformation I received and the breakdown in communication between departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-22 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXX XXXX XXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to 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 2025-10-22 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: AZ

Complaint narrative:
This complaint concerns the inaccurate and unverified reporting of a collection account by XXXX XXXX XXXX across all three major credit bureaus : Experian, Equifax, and TransUnion. 

I have disputed this account directly with the bureaus. Experian responded that XXXX XXXX verified the account, but XXXX has never provided any documentation or validation proving ownership, itemized balance, or a signed agreement, as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Despite that failure, XXXX, Equifax, and XXXX have continued reporting this unvalidated account as accurate. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i ( failure to reasonably reinvestigate disputed information ) and 1681s-2 ( b ) ( failure of furnishers to ensure accuracy ).

I also requested the method of verification from each bureau and received no documentation showing that any investigation or validation was properly performed. This is inaccurate, misleading, and damaging to my credit standing. 

The continued publication of this XXXX XXXX account without proof of validity is causing financial harm and violates federal law. I request CFPB intervention to compel these bureaus to properly investigate and remove this unverified tradeline from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
The account was satisfied by XXXX XXXX XXXX XXXX XXXX XXXX ) after a total vehicle loss on XX/XX/year>. XXXX paid {$5300.00} to XXXX XXXX XXXX XXXX XXXXXX/XX/year>, closing the balance in full. 

Despite that, both American Honda Finance and XXXX XXXX XXXX XXXX continue to report a {$1200.00} balance and are attempting to collect on an invalid debt. This violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am a victim of identity theft & this particular account, XXXX XXXX, has not been authorized to furnish my information by me to any credit bureaus. i noticed The account was opened on XX/XX/year> & is showing an account balance of {$610.00} on my EXPERIAN credit Report. & yes I do have an FTC Report as proof of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting under the Fair Credit Reporting Act ( FCRA ) Dear Equifax Dispute Department, accounts in question a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Estimatel removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Estimated removal : XXXX/XXXX dditionally, I have included documentation showing that my accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are : currently in good standing with no past due balances. These records demonstrate consistent on-time payment history. 
I am requesting that Equifax XXXX these records with the original creditors and provide documentation oving the accuracy of each late payment entry. If the creditors can not fully verify the accuracy al wful reporting of these delinquencies, please remove them from my credit file immediately und FCRA Section 611 ( a ) ( 5 ). 
XXXX come you XXXX and any cored dans madering tis notice and provide me with witen. 
Enclosed are copies of my identification and account summaries to verify my entity and support this dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation