vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my formal complaint and demand immediate corrective action concerning Experians continued reporting of inaccurate, unverifiable, and fraudulent information on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. 

I previously submitted a sworn Affidavit of Fact and Dispute dated XX/XX/year>, identifying the specific personal identifiers, addresses, and accounts that are fraudulent, inaccurate, or unverifiable. Your failure to permanently delete or suppress these entries as required by law constitutes both willful and negligent noncompliance. 
Violations Include ( but are not limited to ) : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : No original contracts or source documentation provided.

FCRA 611 ( a ) : Failure to verify and delete unverifiable accounts within 30 days.

FCRA 623 ( b ) : No reasonable investigation was conducted by data furnishers. 

Metro 2 Field 11, 17A, 24, and 25 violations : Including re-aged accounts, stale data, and inaccurate payment or status fields.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-24 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. An individual known to me unlawfully obtained my Social Security card and used my personal information to open credit accounts in my name without my knowledge or authorization. 

Despite my efforts to resolve this matter directly with the credit card issuers, I was informed that they were unable to verify that I was not the individual who opened or used the accounts in question. I want to clearly state that I did not open these accounts, nor did I authorize any charges made on them. As such, I am not financially responsible for any associated debts. 

In support of this claim, I have filed a police report documenting the identity theft and am prepared to provide a copy upon request. I respectfully request that these fraudulent accounts be removed from my credit file in accordance with the protections provided under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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:
Complaint Title : Equifax Reporting Inaccurate XXXX Late Payment on Open Account What happened : I am submitting this complaint regarding Equifaxs inaccurate reporting of a XXXX late payment on my credit report for an installment account that is currently open and in good standing. 

As shown in the attached screenshot ( " XXXX XXXX at XXXXXXXX XXXX.png '' ), Equifax is reporting a XXXX delinquency for XX/XX/XXXX. This is incorrect for the following reasons : The account is open, not closed. 

The account has been in good standing for years, with no missed payments. 

All payments prior to and after XX/XX/XXXX are marked as on time. 

There is no history of a XXXX or XXXX delinquency reported before XX/XX/XXXX, which makes a XXXX mark inconsistent with normal credit reporting logic. 

This false derogatory mark has likely impacted my credit score and XXXX affect my ability to obtain credit, insurance, or employment. 

Steps taken : I have reviewed my other credit reports, and none of them show this inaccurate late payment. 

I contacted Equifax, but have not yet received a resolution. 

Why this matters : In XX/XX/XXXX, the CFPB fined Equifax {$3.00} XXXX for failing to investigate consumer disputes and for reporting incorrect information. This demonstrates a pattern of negligence by Equifax regarding consumer data accuracy, which I believe is reflected again in my case. 

( CFPB XXXX : CFPB XXXX Equifax to Pay {$3.00} XXXX for Failing to Investigate Consumer Disputes XX/XX/XXXX ) What I want : Immediate removal of the inaccurate XXXX late payment from my Equifax credit XXXX. 

A reinvestigation into the accuracy of the accounts reporting. 

Written confirmation once the issue has been corrected. 

Attachment : XXXX showing Equifax reporting a XXXX late payment in XX/XX/XXXX on an account that is open and otherwise in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been receiving calls from commenity bank all hours of the day and night telling me I need a lawyer. They call constantly as an unknown caller id at least once a hour. Rhey. switch from XXXX and the other number I am unable to see because they are XXXX XXXXXXXX me. l 've already told them to mail me my debt amount so l can send a money order but all they do is call from random numbers every hour with no invoice in the mail. They even started calling after XXXX XXXX. They even sometimes call asking about someone elses debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against Midland Credit Management , Inc. because they are reporting and attempting to collect on a debt that has not been properly validated, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of the Problem : Midland Credit Management is reporting a collection account on my credit reports with the three major credit bureaus ( XXXX XXXX XXXX XXXX  ). I disputed this debt and requested validation under 15 U.S.C. 1692g ( b ), but Midland has failed to provide any of the following : Proof that the debt belongs to me, A signed agreement or contract, A full breakdown of the charges and balance, Evidence that they are legally authorized to collect on the debt. 

Despite not validating the debt, they continue to report this account, which is harming my credit and financial reputation. 

Violations of Federal Law : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must stop collection activity until proper validation is provided. Midland has ignored this.

FDCPA 807 ( 15 U.S.C. 1692e ) Debt collectors may not use any false or misleading representation. Reporting a debt as valid without evidence is misleading.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) It is illegal to report information to credit bureaus without ensuring it is accurate and complete.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must maintain procedures to ensure maximum possible accuracy. Reporting an unvalidated debt violates this standard. 

What I Am Requesting : That Midland Credit Management immediately delete the account from my credit reports with all three credit bureaus. 

That Midland cease all collection efforts until proper validation is provided as required by law. 

That the CFPB investigate Midland for ongoing violations of the FDCPA and FCRA. 

That I receive written confirmation that this account has been removed and that no further collection activity will take place without legal validation. 

Midland Credit is harming consumers by reporting and collecting on accounts without proof or due process. I ask that the CFPB take swift action to ensure they comply with the law and that my credit report is corrected. 

Thank you for your help in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$180.00}

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has frozen and blocked my account multiple times without justification, leaving me and my XXXX children unable to access our essential funds, including government-issued XXXX XXXX XXXX payments and a U.S. Treasury IRS refund . 

My account was first frozen around XX/XX/XXXX, shortly after I received a XXXX IRS tax amendment refund and XXXX  benefits for my sons. Without verifying the legitimacy of these deposits, Citibank froze the account and later closed it entirely. I had to personally submit documentation and press the issue before the bank restored access around XX/XX/XXXX. 

However, just five days later, on XX/XX/XXXX, my account was blocked again. I was told the account was under review and was given no explanation and told to wait XXXX hours. Later, I was told there was no issue and that it was just an online banking outagea complete contradiction. I was unable to access over {$7300.00} of my money, despite the account being open and funded. 

This inconsistent and negligent behavior has caused : Missed bill payments, including late car insurance, risking cancellation Inability to buy food and gas for my XXXX children Extreme stress and time lost trying to get help from customer service I visited my local branch and called Citibanks Executive Office multiple times. I still do not have clear answers, and I was denied a cash withdrawal of the full amount without explanation. I now fear that my upcoming direct deposit between XXXX XXXX XXXX XXXX also be blocked. 

I am requesting : A formal regulatory investigation into Citibanks handling of account freezes and access to government funds A written explanation of why my account was flagged Compensation for the financial harm and distress caused A guarantee that my remaining or upcoming deposits will not be interfered with Citibank has repeatedly shown carelessness with protected income, and I fear they may be discriminating against me as a low-income mother of XXXX on XXXX assistance. I have switched banks to protect my family, but I need your help holding them accountable for the hardship they caused.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I am currently trying to buy a house. During the lender process, at the end of XXXX, I found out I have a collections at Harris & Harris from XXXX XXXX. This caused my credit score to drop from XXXX to XXXX. I immediately contacted Harris & Harris, because I knew this debt was not mine, and I had never received a notice or anything. Had no outstanding XXXX bill. They told me to contact XXXX. XXXX told me I had to go in person to speak to someone. Finally someone helped me on XX/XX/XXXX at the store. He said someone in XXXX  used a variation of my name to purchase phones, then the bill went to collections. The worker at XXXX  put in a ticket and told me it takes 20 days. My ticket number is XXXX. I reached out to him again on day 20 and he said it should be settled soon. I called XXXX  today, XX/XX/XXXX, and they said it will be another 30 days. They will not give me a letter or anything in writing that I can give to my lender. This is seriously disrupting my ability to purchase this house, an investment property, and I am going to lose funds.

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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Date : XXXX To : Self Lender Subject : Formal Dispute and Deletion Demand Self Lender Account ( {$710.00} ) FCRA Violation To Whom It May Concern, This letter serves as a formal demand for the immediate investigation and permanent deletion of a Self Lender ( also known as Self Financial ) account reported on my credit file. The account in question was in the amount of {$710.00} and is currently marked as paid and closed. 
Account Information : Creditor : Self Lender / Self Financial Account Number : XXXX Amount : {$710.00} Status : Paid in Full / Closed Although the balance is satisfied, I am disputing this entry as unnecessary, outdated, and harmful to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 609 ( a ), and 611 ( a ), you are required to ensure all information reported is 100 % accurate, verifiable, and not misleading in any way. 
This account no longer holds any relevance to my creditworthiness. Continuing to report a paid and closed account with a previous balance of {$710.00} serves no legitimate purpose and violates my rights under federal consumer protection laws. If this account can not be fully verified with supporting documentation from the original creditor, you are required to delete it immediately. 
You have 30 days from the receipt of this dispute to respond and provide evidence of your investigation. Failure to correct or delete unverifiable information will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. 
This is your notice. Handle this dispute with the seriousness it demands. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Refused to escalate issues via phone after bank hours. Currently XXXX and unable to move back and forth to any bank. 


Refused to properly vett call to assist with my concerns. The agents were very rude and condescending!

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