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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under FCRA - Request for Investigation and Deletion To whom it may concern, I am writing to formally dispute inaccurate and unverifiable information currently appearing on my Equifax credit report. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], to investigate and delete the following items from my credit profile.

1. Inquiries- Unverified/Unauthorized Please remov
e the following inquiries from my report, as they were not authorized or properly verified under Section 604 of the FCRA [ 15 U.S.C. 1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Page XXXX If you can not provide documented evidence of my written consent for these inquiries, they must be removed immediately. 
XXXX. Personal Information - Inaccurate and Outdated Please update and remove all incorrect personal information not associated with me : - Incorrect Names to remove : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you update my file with only the correct and verifiable name and address as listed above. 
Please conduct a reinvestigation as required under the FCRA and provide written confirmation of the outcome of each item listed. If the disputed information can not be verified, it must be promptly deleted from my credit file. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX 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: 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:
I am filing a formal complaint against Equifax and XXXX XXXX Bank for illegally re-reporting a tradeline that was previously deleted from my credit report. The XXXX account was reinserted without notice in violation of FCRA 611 ( a ) ( 5 ) ( B ), and contains numerous factual and legal inaccuracies, including repeated charge-off notations over multiple years, re-aging of delinquencies, missing 30-day lates, contradictory payment and closure dates, and an invalid date of first delinquency. These errors make the account factually and legally unverifiable.

I have submitted over 40 disputes regarding this account across several years, which were either ignored or falsely verified without legitimate investigation. This repeated conduct has caused ongoing harm to my credit, denied me access to credit products, and violated both the Fair Credit Reporting Act and Florida consumer protection laws ( XXXX ). 

The errors are not technical or minor they represent a pattern of unlawful, damaging credit reporting that Equifax and XXXX have continued to maintain despite documented proof and prior removal of the account.

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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2025-07-24 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:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. i filed an FTC report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. i filed an FTC report.

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: 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to make a final demand regarding two unauthorized ATM withdrawals from my account totaling {$320.00} : {$200.00} {$120.00} These transactions occurred after I lost my wallet. The reason this fraud was possible is because a Citibank teller wrote my PIN on the back of my debit card without my consent, creating a severe security vulnerability. 



I reported the fraud immediately, yet Citibank has refused reimbursement, claiming the transactions were PIN-based. This reasoning ignores the fact that Citibanks own employee compromised my account security, directly enabling this theft.

This refusal violates consumer protections under the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to investigate and resolve unauthorized transaction claims. In addition, Citibanks actions constitute gross negligence and failure to follow basic security standards.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PR

Complaint narrative:
XXXX. Deliberate Concealment of {$0.00} Balance from Mohela which I found inadvertently while checking their website. 
XXXX. Account statements only show payment history up to XXXX XXXX XXXX XXXX XXXX citing " transfer issues. '' XXXX. Coordinated Runaround XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : MOHELA representative directed me to " contact XXXX '' ( prior servicer ) when asked about who owns my debt and why XXXX kept receiving payments through XXXX. 
XXXX. Erroneous Payments Made to 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a formal dispute under 15 USC 1681s-2 ( b ). XXXX XXXX XXXX is reporting inaccurate info for account XXXX. Please investigate and correct/delete. Provide results and 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 2025-07-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America main office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
And I have not got a response yet

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by XXXX XXXX XXXX XXXX XXXX on my credit reports. The account is listed as originating from XXXX XXXX with a balance of {$1300.00} and an open date of XX/XX/year>. XXXX XXXX is reporting this account in multiple formats including : XXXX XXXX XXXX XXXX XXXX This fragmented and duplicative reporting creates confusion and artificially inflates the number of derogatory accounts on my credit file. In addition, I have disputed this account with all three major credit bureaus ( Experian, Equifax, and TransUnion ). Despite these disputes, no documentation or validation has been provided by XXXX XXXX XXXX, which is required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, the reported dates and status appear to be inaccurate and possibly re-aged, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681c. The account is marked as a charge-off but contains no payment history, and the last activity dates do not align with any verified transactions from the original creditor. I never received proper notice or validation of the debt. I also have no contract or agreement with XXXX XXXX XXXX. They have failed to prove ownership or authorization to report this debt.

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 — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX  continues to report a Wells Fargo auto loan tradeline with knowingly false and misleading payment history, despite a documented CFPB complaint, FCRA disputes, and Wells Fargos own contradictory statements. The company reported the account as charged-off, manipulated the payment history to make it appear as though recent payments were madeeven though the loan was closed long agoand continues to display derogatory notations without proper validation.

Wells Fargo recently responded to my CFPB complaint ( ID : XXXX ), admitting the account was charged off, claiming to have validated the debt, and bizarrely offering to mail a cashiers check for the refund of overpaid funds. This is despite them having never updated XXXX  with corrected tradeline data or explained the altered reporting structure. The same account continues to be reported with payment activity that did not occur, in violation of FCRA accuracy standards. 

XXXX  was formally asked to investigate this account, provide validation, and correct or remove the tradeline. They failed to provide documentation, failed to properly investigate, and continue to report erroneous data, despite my clear and repeated disputes. At this point, XXXX  is knowingly participating in the false reporting of a disputed tradeline, creating consumer harm, and failing to follow federal compliance procedures.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Experian continues to report a XXXX XXXX auto loan tradeline with knowingly false and misleading payment history, despite a documented CFPB complaint, FCRA disputes, and XXXX XXXX own contradictory statements. The company reported the account as charged-off, manipulated the payment history to make it appear as though recent payments were madeeven though the loan was closed long agoand continues to display derogatory notations without proper validation. 

XXXX XXXX recently responded to my CFPB complaint ( ID : XXXX ), admitting the account was charged off, claiming to have validated the debt, and bizarrely offering to mail a cashiers check for the refund of overpaid funds. This is despite them having never updated Experian with corrected tradeline data or explained the altered reporting structure. The same account continues to be reported with payment activity that did not occur, in violation of FCRA accuracy standards. 

Experian was formally asked to investigate this account, provide validation, and correct or remove the tradeline. They failed to provide documentation, failed to properly investigate, and continue to report erroneous data, despite my clear and repeated disputes. At this point, Experian is knowingly participating in the false reporting of a disputed tradeline, creating consumer harm, and failing to follow federal compliance procedures.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Contacted XXXX XXXX  by phone and in person to validate debt in XXXX did not receive a response showing validation of debt and original debtor

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/2025 and they were rightfully removed by XX/XX/2025. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.

DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I moved out of my apartment at XXXX North Apartments ( XXXX XXXX, CA ) in XX/XX/year>. Shortly afterward, I received a charge of {$9000.00} from the property XXXX with no itemization, photos, deposit accounting, or explanation. I made repeated written and verbal requests for a full breakdown of charges and supporting documentation. None has ever been provided. 

Instead, the unsubstantiated debt was referred to multiple collection agencies, most recently XXXX XXXX XXXX ( XXXX ), who reported the amount to TransUnion and other credit bureaus. Each time I requested validation from a collection agency, I was either stonewalled or treated aggressively. I formally disputed the account each time and received no adequate response. 

XXXX eventually provided a " validation '' consisting of nothing more than the original lease agreement and a single line labeled " XXXX XXXX '' showing {$9000.00}. This does not constitute proper validation under the FDCPA, as it fails to include any itemized charges or evidence substantiating the debt. Despite this, the amount continues to be reported, materially damaging my credit during a critical period in which I am applying for a mortgage.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I moved out of my apartment at XXXX North Apartments ( XXXX XXXX, CA ) in XX/XX/year>. Shortly afterward, I received a charge of {$9000.00} from the property XXXX with no itemization, photos, deposit accounting, or explanation. I made repeated written and verbal requests for a full breakdown of charges and supporting documentation. None has ever been provided. 

Instead, the unsubstantiated debt was referred to multiple collection agencies, most recently XXXX XXXX XXXX ( XXXX ), who reported the amount to TransUnion and other credit bureaus. Each time I requested validation from a collection agency, I was either stonewalled or treated aggressively. I formally disputed the account each time and received no adequate response. 

XXXX eventually provided a " validation '' consisting of nothing more than the original lease agreement and a single line labeled " XXXX XXXX '' showing {$9000.00}. This does not constitute proper validation under the FDCPA, as it fails to include any itemized charges or evidence substantiating the debt. Despite this, the amount continues to be reported, materially damaging my credit during a critical period in which I am applying for a mortgage.

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