vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX Bank ( XXXX ), XXXX. and the continued reporting of a late payment from XX/XX/year> on my credit reports. This negative item is now over three years old and does not accurately reflect my current credit behavior. Since that date, I have maintained perfect payment history.

I have formally disputed this late payment with the credit bureaus and with the furnisher. The company responded by stating that I " may have been a victim of fraud '' without providing any supporting documentation or instructions on how to resolve this. I requested verification and evidence of the delinquency but have not received satisfactory proof or any meaningful investigation results.

Under the Fair Credit Reporting Act : Furnishers are required to report only information that is accurate and not misleading ( 15 U.S.C. 1681e ( b ) ).

Consumers have the right to a reasonable reinvestigation when disputing items ( 15 U.S.C. 1681i ).

If the information can not be verified, it must be deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 
Furthermore, courts have held in XXXX v. XXXX and XXXX XXXX Credit Bureau , Inc. that credit reports must be fair and not misleading.

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 2025-07-02 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: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX Bank ( XXXX ), XXXX. and the continued reporting of a late payment from XX/XX/2022 on my credit reports. This negative item is now over three years old and does not accurately reflect my current credit behavior. Since that date, I have maintained perfect payment history.

I have formally disputed this late payment with the credit bureaus and with the furnisher. The company responded by stating that I " may have been a victim of fraud '' without providing any supporting documentation or instructions on how to resolve this. I requested verification and evidence of the delinquency but have not received satisfactory proof or any meaningful investigation results.

Under the Fair Credit Reporting Act : Furnishers are required to report only information that is accurate and not misleading ( 15 U.S.C. 1681e ( b ) ).

Consumers have the right to a reasonable reinvestigation when disputing items ( 15 U.S.C. 1681i ).

If the information can not be verified, it must be deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 
Furthermore, courts have held in XXXX v. XXXX and XXXX XXXX Credit Bureau , Inc. that credit reports must be fair and not misleading.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I am filing this complaint against The CBE Group XXXX Inc. for reporting a collection account on my Equifax credit report that I do not recognize and for which I have not received any proper validation.

I was not notified by The CBE Group , Inc. regarding this alleged debt prior to it appearing on my credit report. I have no recollection of owing this debt, and I have not received any written communication or validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

I have submitted a written dispute directly to The CBE Group , Inc. requesting proper validation of this debt. Until valid proof is provided, I believe it is improper for this collection to remain on my credit report, as it is negatively impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
To Whom It May Concern : This statement serves as a formal dispute of the collection account reported on my credit report by Fair Collections and Outsourcing concerning an alleged debt to XXXX XXXX. I assert that this collection account was fraudulently and illegally added to my credit report. 
The alleged debt stems from a claim by XXXX XXXX that I failed to provide adequate notice of non-renewal of my lease. This claim is demonstrably false. I provided timely and proper notice of my intent not to renew my lease through Renew, a service that the apartment complex itself had implemented and signed up for months prior to my notice. I possess documentation and records supporting my timely submission of this notice. 
Furthermore, and in violation of the Fair Credit Reporting Act ( FCRA ), the collection agency has failed to provide me with any validation or proof of this alleged debt prior to reporting it to my credit. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation of disputed information. The absence of validation from the collection agency, despite my request, renders this reported debt disputable and, more importantly, constitutes a violation of my rights under the FCRA. 
I demand the immediate deletion of this fraudulent collection account from my credit report. Should this matter not be resolved promptly and the inaccurate information removed, I reserve all rights to pursue further legal action to protect my consumer rights and seek damages as provided by 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 2025-07-02 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I am re-filing a complaint against Experian because their previous response did not resolve the inaccurate and unverifiable accounts I disputed. They claim the information was verified, but they provided no documentation or proof, and several accounts remain inconsistent with other credit bureaus or appear to be outdated, with {$0.00} balances or incorrect payment history. 

I requested validation of the following items that remain inaccurate or unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank I also provided my Experian dispute letter, a 3-bureau credit report showing discrepancies, and noted that Equifax and TransUnion have removed or corrected several of these items.

Experian responded with a generic explanation and closed my dispute without providing : Documentation from furnishers Proof of verification A full reinvestigation record I am requesting that the CFPB reopen and escalate this matter. Per the Fair Credit Reporting Act ( FCRA ), Experian must provide evidence that they conducted a reasonable reinvestigation and can verify disputed accounts. If not, the accounts must be corrected or deleted. 

I am attaching my previous complaint documents, dispute letter, Experians response, and updated reports for review.

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 2025-07-02 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: CA

Complaint narrative:
I am filing this complaint because Experian is reporting an address on my credit file that is not accurate, and despite multiple dispute attempts, they have refused to remove it. 

The address in question is : XXXX XXXX way XXXX ca XXXX I have never lived at, used, or been affiliated with this address. I have provided Experian with supporting documentation, including a government-issued ID and a current utility bill confirming my correct address. 

Despite this, the incorrect address remains on my credit file. 
This inaccurate reporting is causing significant harm, including : Being denied housing and credit due to address mismatches Delays in identity verification and application processes Emotional distress and unnecessary time spent resolving an issue I did not cause Experians failure to correct this information violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported about consumers be accurate and verifiable. 

I am requesting that the CFPB require Experian to : Immediately remove the incorrect address from my credit file Provide me with written confirmation of the correction Ensure the address is not reinserted without proper verification and notice

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had deposit a check into my citibank checking account, wich it got frozen for no reason, check was cleared to be good by the accountant that gave me the check, I was unable to get a straight reason for the freeze on the account, I personally went to the bank multiple times and multiple calls to citi but unable to get a real answer, they sent a letter saying they have the right to terminate an account for no reason, well i been waiting for my funds to be mailed for about 75 days and still no answer at to wheres my money, they said its ganna take them XXXX to give me my funds back ( for no reason ) Yet 75 days and no funds returned Im behind some bills as my credit is getting more damage by the day

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 2025-07-02 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 do not recognize the negative accounts appearing on my credit

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-02 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: MO

Complaint narrative:
I am a victim of identity theft and am requesting the removal of fraudulent accounts and inquiries from my credit report under Section 605B of the FCRA.

Attached are my FTC Identity Theft Report, a list of disputed items, and proof of identity. Please confirm once the items are removed.

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