vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX  XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-20 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: MI

Complaint narrative:
I am disputing the following accounts and inquiries that appear inaccurately on my credit report with Equifax. Please investigate the discrepancies and update my report accordingly. 

Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Positive Accounts : ( Please note no positive accounts listed ) Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am submitting this dispute to TransUnion regarding the accuracy of my credit report. The following accounts are being disputed : Inquiries : XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX  XXXX Account Date : XX/XX/XXXX XXXX XXXX  Account Date : XX/XX/XXXX XXXX XXXX  Account Date : XX/XX/XXXX XXXX  Account Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX  Account Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX Account Date : 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 2025-11-20 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.
State: UT

Complaint narrative:
I have disputed items with the bureaus and have not heard back at all. I sent in my ID, SSC, and proof of address via mail as well as the items I am disputing however, I have attached a copy of the letters here. XXXX XXXX XXXX is reporting a late payment on my credit file for my student loans. They were transferred over from XXXX and was never notified but I was never late on this account. I ask you please provide me the Master Promissory note, full billing history, & chain of title. If this can not be provided I ask you please delete the lates.

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 2025-11-20 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: UT

Complaint narrative:
I have disputed items with the bureaus and have not heard back at all. I sent in my ID, SSC, and proof of address via mail as well as the items I am disputing however, I have attached a copy of the letters here. XXXX XXXX XXXX is reporting a late payment on my credit file for my student loans. They were transferred over from XXXX and was never notified but I was never late on this account. I ask you please provide me the Master Promissory note, full billing history, & chain of title. If this can not be provided I ask you please delete the lates.

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 2025-11-20 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: GA

Complaint narrative:
Hello, I am submitting this as my THIRD complaint regarding Citibanks handling of a wire transfer of {$9200.00} on XX/XX/year>. Previous CFPB case numbers : XXXX and XXXX. 

Background : This complaint is NOT about the status of a wire recall. My bank, XXXX  XXXX XXXX, properly requested a recall in XXXX when the fraud occurred. ( The exact day the fraud occured ) Initially, Citibank responded by stating they were attempting to contact the account holder who received the funds. 

Following this, XXXX  XXXX XXXX sent a Hold Harmless Letter as required, but Citibank did not respond. 

After waiting an extended period, XXXX  XXXX XXXX eventually received a generic response stating that the account holder denied returning the funds. 

Concerns : I am requesting an explanation as to why Citibank allowed a criminal to deny funds during an active fraud investigation. 

Within hours of the fraud occurring, I was informed that the receiving account had been frozen and that the {$9200.00} was still in the account. If that is true, how and why were the funds subsequently released back to the fraudulent account holder while Citibank and XXXX  XXXX XXXX were actively investigating? ( Please check back on the recorded calls that will clearly show you how I was told this ) Citibanks responses to my first two complaints have failed to address the mishandling of this fraud case. I am NOT just checking the status of a wire transfer & recall. 

I will continue to request a full explanation from Citibank until this matter is resolved and the mishandling of my funds during this fraud investigation is fully addressed. Even XXXX  XXXX XXXX has indicated that Citibanks responses regarding this wire transfer were unusual and inconsistent with their standard procedures, which raises serious concerns about how this fraud case was handled.

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 2025-11-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ Company Name ] [ Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: CA

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.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$670.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CT

Complaint narrative:
I am writing to dispute the following accounts on my Experian credit report. These accounts have been inaccurately reported, and I would like to have them reviewed for possible corrections. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is harassing my family and I on behalf of unknown client. She refuses to give me any information about said debt and used disrespectful language over the phone. If she is calling to negotiate terms for a client Im sure she is ineffective with such a nasty attitude. She hung up the phone in my face stating when youre ready to have a grown woman conversation call me back. When I simply asked her who the client was in question. I truly appreciate the person at the company that helped me resolve the debt with such professionalism. XXXX not the first to complain about XXXX and XXXX sure I wont be the last with such ghetto telephone etiquette. Youre truly doing your client a disservice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
I tried to transfer funds from an inactive account to my new one but they sent the funds to my inactive account and closed the other account and would not let me regain access to my account or my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Colony Brands, Inc.
State: NC

Complaint narrative:
I was involved in a XXXX XXXX of my SS #, etc. I had a non-authorized charge that was opened in my name without my authorization though a company by the name of Montgomery Wards out of Montgomery Wards, XXXX XXXX XXXX, XXXX, WI XXXX. I've reached out to Montgomery Wards multiple times and filed complaints in XXXX and XXXX. I've also reached out and filed disputes with Equifax multiple times in XXXX and XXXX and both companies have not removed the XXXX XXXX form my Equifax credit report. They keep telling me that XXXX or the other companies will reach out to XXXX another and then have it removed. I've got the same response every time now with XXXX removal or resolution. I do not know what else to do to get the Montgomery Wards fraudulent charge removed off my Equifax hard inquires. Ive sent all my documents as they have requested via certified mail for the dispute, also requested a dispute over the phone, also disputed it via my credit report below under file dispute, and they still have not removed it. Every time I dispute this charge with Equifax, they continue to say that Montgomery Ward should contact them to inform them to have it removed. When we call Montgomery Ward, they say they called Equifax and alerted them. So now Im going in circles because they both are pointing fingers at XXXX another. I do not know what else to do to get it removed from my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am submitting this complaint to report unauthorized and fraudulent credit inquiries that appear on my TransUnion credit report. I did not apply for credit with these companies, nor did I authorize any party to pull my credit on the dates listed below. These inquiries are the result of identity theft. 

Unauthorized Credit Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  ( Finance ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Inquiry Date : XX/XX/XXXX I did not have any interactions, applications, or accounts with these entities at the XXXX listed. These inquiries were made without my knowledge or consent. I am requesting that these unauthorized inquiries be recognized as identity theft and that my FTC Identity Theft Report reflect this information.

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 2025-11-20 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-20 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:
On XXXX XXXX I sent in documentation to Equifax via certified mail about account Resurgent receivable for the amount of {$1300.00} also XXXX debt holding {$2600.00} and advise them that I was affected by the data breach and this account is fraudulent, inaccurate and still appears on my credit report. This violates 15 code us1681 Fair Credit Reporting Act ( FCRA ) : The FCRA, codified under 15 U.S.C. 1681 et seq., is a United States federal law that regulates the collection, dissemination, and use of consumer information, including the " consumer reports '' compiled by CRAs.

Key provisions : 1681 outlines Congress 's findings and the purpose of the FCRA, which includes the need for CRAs to have reasonable procedures that are fair and equitable to consumers. These procedures must consider confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Company response to consumer: Closed with non-monetary relief