vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/year> Dear Sir/Madame : I am writing to file a formal complaint regarding incorrect information related to my student loan account ( s ) that is currently being reported on my credit report. I have reviewed my credit report from the XXXX major credit bureaus ( Equifax, XXXX and XXXX  ) and noticed several discrepancies with the information provided about my student loan ( s ) which I believe is being reported inaccurately.

All debts are over XXXX XXXX.

Request for Action : I respectfully request the Consumer Financial Protection Bureau investigate the inaccurate information being reported by the loan servicer and ensure that the credit bureaus update my credit report to reflect the correct details of my loan ( s ). Specifically, I request the following actions : Remove the inaccurate loan reporting from my credit report. Information is over XXXX XXXX XXXX. 

Ensure that the loan servicer complies with credit reporting guidelines to accurately report loan status. This should be removed after XXXX XXXX 


Impact on My Credit Report : As a result of this inaccurate reporting, my credit score has been negatively impacted, and I am facing unnecessary financial and emotional stress. This has affected my ability to qualify for loans, credit, or employment. 

I have attempted to resolve this matter directly, but despite my efforts, the issue has not been corrected. 

Conclusion : I request the CFPB 's assistance in ensuring that this issue is resolved promptly and that the necessary corrections are made. If further documentation or clarification is needed, please let me know. I appreciate your attention to this matter and look forward to your timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/year> Dear Sir/Madame : I am writing to file a formal complaint regarding incorrect information related to my student loan account ( s ) that is currently being reported on my credit report. I have reviewed my credit report from the XXXX major credit bureaus ( XXXX XXXX, and TransUnion ) and noticed several discrepancies with the information provided about my student loan ( s ) which I believe is being reported inaccurately.

All debts are over XXXX XXXX

Request for Action : I respectfully request the Consumer Financial Protection Bureau investigate the inaccurate information being reported by the loan servicer and ensure that the credit bureaus update my credit report to reflect the correct details of my loan ( s ). Specifically, I request the following actions : Remove the inaccurate loan reporting from my credit report. Information is over XXXX XXXX XXXX. 

Ensure that the loan servicer complies with credit reporting guidelines to accurately report loan status. This should be removed after XXXX XXXX. 


Impact on My Credit Report : As a result of this inaccurate reporting, my credit score has been negatively impacted, and I am facing unnecessary financial and emotional stress. This has affected my ability to qualify for loans, credit, or employment. 

I have attempted to resolve this matter directly, but despite my efforts, the issue has not been corrected. 

Conclusion : I request the CFPB 's assistance in ensuring that this issue is resolved promptly and that the necessary corrections are made. If further documentation or clarification is needed, please let me know. I appreciate your attention to this matter and look forward to your timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year> Dear Sir/Madame : I am writing to file a formal complaint regarding incorrect information related to my student loan account ( s ) that is currently being reported on my credit report. I have reviewed my credit report from the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ) and noticed several discrepancies with the information provided about my student loan ( s ) which I believe is being reported inaccurately.

All debts are over XXXX XXXX.

Request for Action : I respectfully request the Consumer Financial Protection Bureau investigate the inaccurate information being reported by the loan servicer and ensure that the credit bureaus update my credit report to reflect the correct details of my loan ( s ). Specifically, I request the following actions : Remove the inaccurate loan reporting from my credit report. Information is over XXXX XXXX XXXX. 

Ensure that the loan servicer complies with credit reporting guidelines to accurately report loan status. This should be removed after XXXX XXXX 


Impact on My Credit Report : As a result of this inaccurate reporting, my credit score has been negatively impacted, and I am facing unnecessary financial and emotional stress. This has affected my ability to qualify for loans, credit, or employment. 

I have attempted to resolve this matter directly, but despite my efforts, the issue has not been corrected. 

Conclusion : I request the CFPB 's assistance in ensuring that this issue is resolved promptly and that the necessary corrections are made. If further documentation or clarification is needed, please let me know. I appreciate your attention to this matter and look forward to your timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-14 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: FL

Complaint narrative:
This is my third formal complaint regarding the inaccurate and misleading reporting of a tradeline from XXXX XXXX XXXX XXXX XXXX on my Equifax credit file. Despite two prior investigations, Equifax continues to report this account in a manner that is incomplete, ambiguous, and noncompliant with Metro 2 formatting requirements and federal law, including : FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate or incomplete information after reinvestigation FCRA 1681s-2 ( b ) ( 1 ) Furnishers failure to conduct a lawful and reasonable investigation FCRA 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy FTC Staff Commentary and Metro 2 guidelines, which require all data fields to be fully and accurately populated including current status, scheduled monthly payment, and worst delinquency history The Following Violations Persist on My Equifax Report XXXX Account reflects a {$0.00} balance with perfect payment history and no delinquencies, yet multiple fields are marked as No Info Account was reported closed as of XX/XX/XXXX with no reason given ( voluntary/involuntary/adverse/inactive closure unknown ) Missing values under key Metro 2 fields such as : Scheduled Monthly Payment ( Field Base Segment 66 ) Account Status ( Field Base Segment 17 ) Payment Rating ( Field 76 ) Payment History Profile ( Field 77 ) These empty fields violate Metro 2 compliance and create the appearance of derogatory activity or adverse action, even though the account had perfect performance Demand for Verification Disclosure ( per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : Under FCRA, I have the legal right to know how Equifax verified this information, and with whom . To date, no documentation has been provided by Equifax or the furnisher. I hereby demand : 1. A detailed description of the procedures used to verify this account, per FCRA 1681i ( a ) ( 7 ) 2. The name, address, and contact details of any furnisher ( s ) Equifax contacted 3. A copy of the verification documentation provided by the furnisher under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to provide these constitutes willful noncompliance, and I reserve the right to pursue civil remedies under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Supporting Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that CRAs can not merely parrot information from furnishers without independent investigation.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Confirms failure to provide a complete reporting profile constitutes inaccurate reporting.

Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) Data that is misleading, even if technically accurate, is still actionable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The charges on this card came from unauthorized use, and it was reported to Kohls immediately. Kohls failed to do an investigation and penalize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS THIS ACCOUNT HERE IS IN LITIGATION XXXX XXXX XXXX XXXX - BALANCE {$230.00}

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 non-monetary relief
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am currently reviewing my Equifax credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check into my checking account on XXXX2025 that I have with citizens bank. initially the check was put on a 7 day hold, on the seventh day I called the bank to see why my funds were not available to me and then the representative stated to me that the funds are going to be placed on a extended hold and my new funds availability date was XXXX2025. XX/XX/XXXX comes and my money is still not in my account, so I call again they then state that my funds are going to be placed on another extended hold and that my money will not be available until XXXX,2025. I am in dire need of my money as I fell on hard times financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A few weeks ago I had to submit a bunch of fraud charges, the First Lady at the fraud department submitted it for me, as I checked a few days later there was another issue, calling back the supervisor told me the replacement debit card they sent me, isn't going to fix the problem someone has access to my account and information, not just my debit card. My account gets locked while I'm on the phone with them, can not access or login. Finally after speaking and getting transferred to 8 different people someone helps and unlocks my account t so I can login and transfer out my money before it gets locked again. While going through transactions since I can finally access my account I see there's more charges I was unable to add to my dispute earlier because they instantly locked my account and I couldn't see any of the other charges. Well now they block my account, keep my money XXXX dollars and tell me 24-48 business hours for about 2 weeks, I call multiple times a day, how do I get my money I need my money? Nope, XXXX help tell me it's a backend issue and there's no way to contact them. Now finally they tell me my account has/will be closed within 30'days but I still can't login to get my money because they'll be still investigating and somewhere within 30 days they'll send a check but can't say when. I need to pay my rent ; I am begging them or you for help please. I wish I had more specifics and access to dates/transactions but I can't login to even see anything!! It's been weeks. I just want my XXXX dollars and my account with them completely closed and never do business with them ever again, thank 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 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief