vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: AR

Complaint narrative:
I am submitting under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning an inaccurate collection account and unauthorized credit inquiry appearing on my credit reports. Despite my initial dispute and the submission of supporting documentation, the collection account from XXXX XXXX, originally owed to XXXX Bank with a balance of {$500.00}, remains on my report inaccurately and unverifiably reported. Additionally, there is a credit inquiry from XXXX dated XX/XX/year>, which I did not authorize or recognize. Under the FCRA, I am entitled to a reasonable reinvestigation of any disputed information, and the failure to verify or remove these items is in violation of my rights as a consumer. I am requesting that a thorough reinvestigation be conducted for both the collection account and the inquiry. The collection account must be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 809, and if verification can not be provided, it should be removed from my credit file immediately. Likewise, the inquiry must be substantiated with documentation proving that it was properly authorized ; if no proof can be provided, it should be deleted without delay. Due to the current unavailability of the FTCs online systems, I am submitting my previously filed FTC Identity Theft Report to support this dispute and expect that this remains valid until the FTC systems are restored.

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 2025-10-23 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: AR

Complaint narrative:
I am submitting under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning an inaccurate collection account and unauthorized credit inquiry appearing on my credit reports. Despite my initial dispute and the submission of supporting documentation, the collection account from XXXX XXXX, originally owed to XXXX Bank with a balance of {$500.00}, remains on my report inaccurately and unverifiably reported. Additionally, there is a credit inquiry from XXXX dated XX/XX/year>, which I did not authorize or recognize. Under the FCRA, I am entitled to a reasonable reinvestigation of any disputed information, and the failure to verify or remove these items is in violation of my rights as a consumer. I am requesting that a thorough reinvestigation be conducted for both the collection account and the inquiry. The collection account must be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 809, and if verification can not be provided, it should be removed from my credit file immediately. Likewise, the inquiry must be substantiated with documentation proving that it was properly authorized ; if no proof can be provided, it should be deleted without delay. Due to the current unavailability of the FTCs online systems, I am submitting my previously filed FTC Identity Theft Report to support this dispute and expect that this remains valid until the FTC systems are restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2025, Citibank closed my checking account ending in XXXX and held my remaining funds. After I filed a CFPB complaint about the delay in receiving my funds, Citibank emailed me a letter dated XX/XX/2025, from Citibank N.A. XXXX XXXX ( Letter Code XXXX ). The letter stated that my account would be closed within sixty ( XXXX ) days from that date and that Citibank would issue an official check for the remaining balance to the address on file. 

It has now been more than 60 days since the date of that letter, and I have not received any refund check, payment, or update from Citibank. I have attempted to contact their XXXX XXXX department at the phone numbers listed in the letter ( XXXX and XXXX ) numerous times, but I have been unable to reach anyone or obtain information about the status of my funds. 

Citibank has failed to fulfill the written commitment made in their XX/XX/2025 letter to issue my remaining funds after account closure. I am requesting that Citibank confirm when my check will be mailed and provide the amount of the refund due. 

The XX/XX/2025 letter from Citibank XXXX XXXX references two accounts under my name, ending in XXXX and XXXX. I only have one checking account with Citibank, ending in XXXX. I have no knowledge of or connection to the account ending in XXXX, and my complaint solely concerns the account ending in XXXX that was closed on XX/XX/2025. 

Citi Reference Number : XXXX CFPB Case # 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 monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Despite being paid off, this account is still reported with late payments.

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 2025-10-23 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: FL

Complaint narrative:
Despite being paid off, this account is still reported with late payments.

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 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been unable to add or remove external accounts in Regions Banks XXXX XXXX budgeting and planning tool, which is powered by XXXX XXXX. Each time I try, I receive the message : Something went wrong. XXXX server error. 

I first noticed this issue over a month ago and have contacted Regions Bank support several times since then. They have opened and closed multiple tickets but have not resolved the issue. I have followed all troubleshooting instructions, including using different browsers and devices, clearing cookies and cache, reinstalling the app, and trying again on different networks and dates. The problem occurs across all platforms. 

Regions support representatives acknowledge the issue but have not been able to identify the cause or provide an escalation path. I have not yet been connected with the XXXX Banking or XXXX XXXX  team that could investigate the technical side of the problem. 

As a result, I have been unable to manage or view my linked financial accounts through XXXX XXXX for several months. I am requesting that the CFPB ensure Regions investigates this issue fully, works with XXXX XXXX  if necessary, and restores the service functionality as advertised.

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 2025-10-23 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:
I am disputing a re-aged and outdated account that remains on my Experian credit report. 
The account is XXXX XXXX XXXX XXXX opened XX/XX/XXXX, paid in full with a {$1.00} write-off on XX/XX/XXXX. 
Experian continues to show balance updates through XXXX and lists the status as Updated XX/XX/XXXX. 
This is inaccurate and violates FCRA 605 ( a ) and 623 ( a ) ( 5 ) since the account is over seven years old and should have been removed. 
Please delete this account immediately.

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 2025-10-23 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 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 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 XXXXXXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00}

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 explanation
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX  XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file.

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal law.

Furthermore, under FDCPA 807 ( 8 ) and 809 ( b ), debt collectors are prohibited from communicating or reporting debts that have not been properly validated. If any of the collection accounts listed on my report have not been verified with written proof of ownership and authorization to collect, they must be immediately 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
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
CFPB Dispute TransUnion Modified Disputed Account During Investigation ( FCRA Violation ) What happened : After filing a CFPB dispute regarding the account XXXX XXXX  ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * *, TransUnion changed key information for the same account between XX/XX/year>, and XX/XX/year>, while the dispute was still under investigation. 

Specifically : TransUnion reduced the reported balance from {$910.00} to {$0.00}, and added a new remark stating the account was Closed. 

These updates occurred while the account was already under reinvestigation, meaning TransUnion altered disputed data without verified authorization from the original creditor ( XXXX XXXX  ). 

This conduct violates FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( b ), which require that any modification, update, or reinsertion of disputed information be verified, accurate, and supported by the furnisher of the data. 

Because TransUnion made material changes during an open dispute, it demonstrates that the information is unreliable, unverified, and not properly investigated.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DigniFi
State: TX

Complaint narrative:
DIGNIFI - Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Reported Fields : Balance : {$1500.00}, Status : Charge-off, Date Opened : XX/XX/XXXX, Status Updated : XX/XX/XXXX, Remarks : CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Issue : The account is reported as a charge-off with ongoing disputes, which negatively impacts my credit score. I contest the accuracy of the reported information.

Legal Reference : FCRA, 15 U.S.C. 1681i ( a ) allows consumers to dispute incomplete or inaccurate information. The reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX XXXX Reference : The Account Status and & Remarks fields require verification. The correct expected values should be verified against original creditor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NV

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2025-10-23 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: EQUIFAX, 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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation