vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX Subject : Final Attempt to Resolve Inaccurate and Unverified Information on My Credit Report I am filing this formal complaint against Experian for its ongoing failure to correct inaccurate and potentially unverifiable information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding the accuracy and legitimacy of specific accounts and personal information on my file. However, XXXX has consistently failed to provide a legally sufficient response, instead responding with generic verified results without supplying any evidence or documentation to substantiate such findings. 

Under 15 U.S. Code 1681i ( a ) ( XXXX ), the credit bureau is legally required to provide the method of verification, including the name, contact information, and procedure used to verify disputed accounts. Experian has not met this requirement, nor has it demonstrated reasonable procedures to ensure maximum possible accuracy as required by 15 U.S. Code 1681e ( b ). 

Disputed and Unresolved Accounts & Information XXXX XXXX ( XXXX  XXXX ) Case Number XXXX XXXXXXXX Late Payments ( XXXX ) XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX XXXX Bureaus have failed to provide : The specific method and process used to verify each disputed account The name, title, and contact information of the entities that verified these accounts Any documentation relied upon to justify the continued reporting of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/XXXX I notified Citibank of Fraud on my credit XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. Then again I notified them of more fraud charges in XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX As you can tell from my monthly credit card statement XX/XX/XXXX I had a XXXX balance on my credit card. XX/XX/XXXX I made XXXX charge XXXX XXXX XX/XX/XXXX XXXX and paid if off XXXX weeks later Payment received XXXX XXXX Citibank reversed the fraud charges from my account but added interest and fees to those fraud charges. I have called them multiple times and they say I do not owe any money and they will correct their records yet they fail to do so. Citibank has failed to correct their records in full and has damaged my credit and sent me to collections. 

I have not used the card since the XX/XX/XXXX charge to XXXX XXXX and then when they failed to correct their records I closed my account with them ; all monies they say I owe are fraud related charges. 



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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 2025-07-29 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. XXXX XXXX XXXX XXXX XXXX of dealing with these unresolved discrepancies has been XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-07-29 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: FL

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX U.S.C. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency XXXX not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 filing a formal complaint to dispute certain items listed on my credit report. After reviewing my credit file, I found unauthorized inquiry/ accounts that I did not authorize, initiate, or have any business relationship with. These items appear to violate the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( f ), codified at XXXX XXXX. XXXX ( f ). 
The following accounts/inquiry appear to be in violation of this statute, as I did not XXXX permission for their inclusion or initiate any transaction with the parties listed : List of Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
On XX/XX/year>, I mailed a full identity theft dispute package to TransUnion, including my FTC Identity Theft Report, drivers license, and a utility bill ( downloaded directly from my providers website ). According to XXXX tracking, it was delivered and signed for by TransUnion on XX/XX/year>. 

Under FCRA XXXX, TransUnion was legally required to block the fraudulent accounts within XXXX business days of receipt which would have been no later than XX/XX/year>. As of XX/XX/year>, these accounts remain on my credit file. 

TransUnion rejected my utility bill claiming that electronic statements printed from a website can not be accepted, which is false and legally unsupported. The FCRA does not prohibit electronic billing, and my document clearly showed my name, address, and date of service. I receive all bills electronically due to previous identity theft and paperless billing preferences. 

I have since resubmitted a second utility bill in good faith, but TransUnion continues to delay and has failed to comply with the law. I am requesting CFPB enforcement to ensure immediate removal of the fraudulent accounts, accountability for XXXX noncompliance, and updated handling procedures for identity theft victims.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Timeline of Events XX/XX/XXXX : XXXX account opened ( according to original creditor and documents ). 
XX/XX/XXXX : XXXX re-aged account 's opening date, updated the balance, delinquency status on the account, and reinforcing the false recent activity. 
XX/XX/XXXX : I filed a dispute with Experian regarding this account. 
XX/XX/XXXX : I filed a dispute with TransUnion regarding this account. 
XX/XX/XXXX : XXXX sent a letter stating they believe the debt is time-barred and that they will not sue, but also indicated the account was opened in XXXX, which is contradictory. 
XX/XX/XXXX : Sent formal pre-litigation settlement demand letter to XXXX citing violations and seeking {$7500.00} compensation and removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information being reported on my consumer report. On XX/XX/XXXX, XXXX XXXX days XXXX marked the dispute as " verified. '' Given the extremely short timeframe, I had concerns about whether a reasonable and thorough investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a written request to Experian for the method of verification, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). My request specifically asked Experian to provide : * A description of the procedure used to determine the accuracy and completeness of the disputed information ; and * The name, address, and telephone number of each furnisher of information contacted in connection with the reinvestigation. 

Along with this request, I provided XXXX XXXX  XXXX forms of identification XXXX XXXX  a copy of my drivers license and a copy of my Social Security cardas required by Experians own policy for verifying identity. 

Instead of fulfilling their legal obligation, Experian responded via email stating that my request " appeared not to be from me. '' This is factually incorrect and misleading, as my identity was properly verified in accordance with their stated requirements. I believe this response is nothing more than a * * stall tactic * * to avoid providing the requested information and to delay compliance with federal law. 

XXXX handling of both the dispute and my follow-up request raises serious concerns about their adherence to the FCRA. I am requesting that the Consumer Financial Protection Bureau investigate XXXX actions and hold them accountable for failing to conduct a lawful reinvestigation and for refusing to provide the required method of verification.

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 2025-07-29 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:
I am seeking your help in launching an investigation into these accounts due to inaccurate reporting on my credit file. In line with my rights under USC 1681g, I am formally requesting their deletion within XXXX XXXX All relevant documents have been provided for your careful review. Additionally, the information reported by each credit bureau is inconsistent and contains errors.

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 2025-07-29 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: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems has reported a debt to the credit bureaus that I do not recognize and have not received proper validation for. Despite my formal dispute, the entry remains and continues to negatively impact my credit. 

I submitted dispute letters to XXXX XXXX XXXX XXXX, along with a notarized affidavit and supporting documentation. Jefferson Capital has failed to provide proof of debt ownership, a signed agreement, or chain of custody. This violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Requested Resolution : I request the CFPB to investigate Jefferson Capital Systems for noncompliance and compel removal of the unverifiable debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

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

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

This is a violation of both 15 U.S. Code 1681b ( XXXX ) 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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I paid {$310.00} by credit card to a person who promised to file and fix my taxes. They failed to include my main W-2 and also claimed credits I wasnt eligible for, which amounts to tax fraud. I only discovered these serious errors after going to XXXX XXXX XXXX  XXXX for help. Because of the mistakes, I received an urgent IRS letter threatening penalties if the issue wasnt corrected within 30 days.

When I contacted the person to fix what they had done, they asked for another payment. I paid {$99.00} through Cash App, but after receiving the second payment, they stopped responding completely. I had no choice but to rely on XXXX XXXX XXXX XXXXXXXX to fix my taxes, which cost me more time, money and stress. 

I reported the {$99.00} Cash App payment and submitted clear evidence, but my dispute was denied even after resubmitting everything. I also contacted my bank to dispute the {$310.00} credit card payment. Although it was denied at first, I filed a claim again and submitted supporting evidence and the case is currently under review.

This situation has caused serious financial and emotional hardship. I am asking for a fair and thorough review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a victim of identity theft, and I did not open, authorize, or benefit from any transactions on this account. Additionally, my personal bank account has been compromised as part of this identity theft incident. 
Please be advised that this is an identity theft claim, not a billing dispute. Under federal law, you are required to treat this matter as fraud, block any unauthorized accounts or charges, and ensure that no negative information is reported to credit bureaus. 
Pursuant to the Fair Credit Billing Act and Truth in Lending Act ( XXXX U.S.C. XXXX ), as well as XXXX C.F.R. XXXX ( b ) and 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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Johnson Mark LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX my information to a collection law firm named Johnson Mark. They garnished my wages yet they didn't reflect that it was paid in full. After they took my wages forcefully through my employer a year ago. Not ethical or organized. They did not warn me about taking it to that extent. XXXX XXXX XXXX does everything very forcefully and not right. I've tried to ask them to dispute the amount since it continues to collect interest. It's impacting my XXXX XXXX. They'll transfer me and say they're not the company that should be contacted. Yet there's an outstanding balance?

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