vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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 am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1800.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I missed a payment on my Citi Simplicity card sometime in late XXXX. Afterward, I received a phone call from someone claiming to be with Citi, but the call did not come from a clearly identifiable U.S. number or representative. The person had a foreign accent and did not provide any secure verification, which made me suspect it could be a scam. I never received a clear email or secure message through Citis official channels, so I delayed acting out of caution.

Once I confirmed through my account that the call was likely real, I immediately resolved the issue and brought the account current. I have otherwise kept my account in good standing, with low utilization and no history of late payments.

I later spoke with Citis Executive Response Unit and was referred to a representative named XXXX XXXX, who was dismissive and unhelpful in resolving the concern.

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 2025-05-24 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 have unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NE

Complaint narrative:
Equilfax is keep reporting inaccurate credit reports on my credit report XXXX consumer XXXX has been closed charged off account since XXXX and showing as open account, I contacted Equifax to correct the info and they denied. 
Credit report agency must report accuracy credit reports and they are not doing correct job, please I demand to delete this account immediately from my credit report Equilfax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
On XXXX XXXX XXXX, I reviewed my Equifax credit report and discovered that several accounts are being inaccurately reported as " charge-offs. '' These entries were furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reporting is false, harmful, and in violation of multiple federal consumer protection laws. 

A charge-off is defined as a cancellation of debt, and under IRS rules XXXX when a debt is canceled, the creditor must issue a 1099-C form to the consumer and report the amount as taxable income. Therefore, continuing to report a charged-off debt as collectible or as a current derogatory account ( e.g., also listed as a collection ) is not only misleadingit may also constitute tax fraud and violates both IRS regulations and the Fair Credit Reporting Act ( FCRA ). 

Additionally, these creditors failed to provide clear and conspicuous disclosures at the time of agreement, including the option to opt out of credit reporting. This means that personal, nonpublic information was transferred without lawful authority, in violation of 15 USC 1681s-2, which governs the duties of furnishers of information. 

These inaccurate charge-off entries are damaging my creditworthiness, financial standing, and personal reputation. I have not received proper disclosures or lawful notification and was an uninformed consumer at the time of these agreements. 

The following accounts must be deleted from my credit report due to inaccurate reporting and violations of federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have reported inaccurate and potentially unlawful information, and I am demanding immediate removal of these entries in compliance with the FCRA and IRS guidelines XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
On XXXX XXXX XXXX I reviewed my credit report from TransUnion and discovered several incorrect late payment entries reported by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts show late payments that are completely inaccurate. 

I made all required payments to these accounts on or before the due dates and in the correct amounts. Despite that, these creditors reported the payments as late. I suspect this is due to billing errors and possibly a double-billing scheme. 

Furthermore, I never received the legally required periodic statements as mandated by 15 USC 1666b, which requires creditors to mail or deliver a billing statement at least 21 days prior to the payment due date. I formally requested proof of compliance with this requirement, and none was provided. 

This inaccurate and unlawful reporting has caused serious harm to my credit profile, personal reputation, and overall financial wellbeing. It also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

I am disputing the following late payment entries and requesting their deletion from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are legally invalid, factually inaccurate, and must be removed immediately.

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 2025-05-24 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, multiple credit inquiries appeared on my credit reports across all three major bureaus ( XXXX, XXXX, Equifax ). I did not authorize these credit checks and do not recognize the entities responsible for them. The inquiries are as follows : Equifax XX/XX/year>XXXX  Inquiry XX/XX/year>XXXX  Inquiry XX/XX/year>XXXX  Updated Account XX/XX/year>XXXX  Updated Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MI

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 2025-05-24 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: TN

Complaint narrative:
Name : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXhe original complaint said that this information which is completely incorrect! 

I am now filing a complaint under the law FCRA 611 ( 15 U.S.C. 1681I ) which forces a reinvestigation of the items in the initial CFPB complaint XXXX to either verify the SOURCE of information used in order to return a verified response to the initial CFPB complaint filed or delete all contested items in listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: OH

Complaint narrative:
Was placed in administrative forbearance and told interest was not accruing. Received email later saying interest was accruing, and it should be not be as I was forced into SAVE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: RI

Complaint narrative:
XX/XX/year> I signed a 1 year rental lease to move into XX/XX/year>. I changed jobs and moved out of state due to a corrupt employer. I gave the lease office 2 months notice I would not be moving in. XXXX  XXXX XXXX states if a person gives 60 days notice, must move out of state due to work and the lease office doesn't lose money because the unit is rented, then I have not broken the lease. I cant be reported as negative on any credit reports. Thier false reporting of me has prevented me from getting a loan for a home. Next step is to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I have been asking for the account number info that should be on the app since early XXXX of this year. The app doesn't reveal the account number their customer service people although sickeningly sweet never assist the app is just awful. They have never responded appropriately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX Balance : {$750.00}, XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$7900.00}, XXXX XXXX XXXX : {$6500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX Balance : {$750.00}, XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$7900.00}, XXXX XXXX XXXX : {$6500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Filing a complaint against XXXX XXXX account on my credit reports with XXXX, XXXX, and Equifax. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a reinvestigation of this information. Additionally, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Furthermore, I believe these inaccuracies may also constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) and Regulation F ( 12 CFR Part 1006 ), which prohibit false, deceptive, or unfair debt collection practices. 

I request that XXXX XXXX and the credit reporting agencies remove this inaccurate information promptly. 

XXXX is in error for reporting this to my credit reports. XXXX has been sued the company was accused of reporting a customers account information to credit bureaus, leading to a significant drop in the customers credit score. The lawsuit highlights issues such as reporting a delinquency date before the account was even opened and failing to correct inaccuracies after disputes were filed. This case underscores potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Legal Provisions to Reference : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and correct any inaccuracies.

15 U.S.C. 1681i : Mandates that credit reporting agencies must conduct a reasonable reinvestigation upon receiving a dispute from a consumer.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representations, including misrepresenting the character, amount, or legal status of any debt. 
15 U.S.C. 1692f : Forbids debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt.

3. Regulation F ( 12 CFR Part 1006 ) : Implements the FDCPA and provides guidelines on debt collection practices, including communication standards and record retention requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I recently reviewed a copy from my credit report and noticied i fraudulent accounts on my report. Please removed these a accounts from my credit report, they are hurting my ability to obtain credit. 
I need you to protect my identity and remove this collection account from my credit reports. I was never notified, nor did you send me any notification, because it's damaging my credit reputation. As you can see, I've always had excellent payments, and I've never missed a payment on my credit cards or loans. Therefore, I request that this collection account, which I did not participate in, be removed. 
Thanks you for your help.

Company response to consumer: Closed with non-monetary relief