vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Potential FCRA and FDCPA Violations Dear America First Credit, I am writing to formally dispute the accuracy of the account you are reporting to the credit bureaus under my name. The account in question, which appears on my credit reports from TransUnion and Equifax, contains multiple inconsistencies and inaccuracies, including but not limited to : Incorrect closing date Inaccurate account status The number of days late is reported inconsistently across the XXXX major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX This information is negatively affecting my credit profile and is not being reported uniformly, which suggests a failure to maintain accurate and consistent data. 



Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) and ( b ) As the furnisher of information, you are required to : Report accurate and complete information to credit reporting agencies Investigate disputes forwarded to you by the bureaus Correct and update any inaccurate or incomplete information Your failure to ensure consistency and accuracy across all bureaus may be in violation of : 15 U.S. Code 1681e ( b ) ( Maximum Possible Accuracy ) 15 U.S. Code 1681s-2 ( b ) ( Duties After Receiving Notice of Dispute ) 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e This section prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt, including misrepresenting the legal status of a debt or furnishing false credit information.

3. Regulation F 12 CFR Part 1006 Under Regulation F, which governs the FDCPA : Debt collectors are required to provide clear and accurate information about a debt.

Inaccurate or inconsistent reporting may be considered unfair or deceptive collection conduct under 1006.18 and 1006.34.

Requested Action I am requesting that you immediately : remove any inaccurate, outdated, or unverifiable information and Provide me with written confirmation of the outcome of your investigation I have attached a copy of my government-issued ID and a utility bill for verification purposes. 



Please be advised that if this matter is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, and may pursue further legal remedies. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
On XX/XX/year>, I submitted my first dispute letter to Experian regarding the unauthorized reporting of a bankruptcy entry on my credit report. I followed up with XXXX additional dispute notices on XX/XX/XXXX and XX/XX/XXXX, all of which lawfully demanded : A full reinvestigation per FCRA 611 ( 15 USC 1681i ) Disclosure of the source, furnisher, and legal authority to report, per FCRA 609 ( 15 USC 1681g ) Proof of lawful identity match and my consent under FCRA 602 ( A ) Deletion of unverifiable data per FCRA 1681s-2 ( b ) Acknowledgment of my reserved rights under UCC 1-308 and preservation of common law rights under UCC 1-103 Experian failed to respond within the 30-day deadline mandated by FCRA 611. When they did eventually respond, it was well after the statutory deadline, and they failed to provide any lawful verification, proof of identity match, or proof of authorization to report the bankruptcy.

To this date, Experian has : Not identified who furnished the bankruptcy information Not proven I consented to any reporting Failed to lawfully verify my identity or separate me from the artificial entity Continued publishing unverified and inaccurate derogatory data I do not operate as the legal fiction XXXX XXXX, and Experian has failed to prove any lawful relationship, consent, or contractual obligation that would permit them to report information under that name. 

Attached to this complaint are my Affidavit of Status and Affidavit of Non-Consent, which formally rebut all presumed identity, authority, and consent. These affidavits remain unrebutted and are now testimony on the public record. 

I am demanding : Immediate and permanent deletion of the bankruptcy and any associated derogatory information Written proof of the source and legal authority to report if they intend to retain any item Confirmation that my rights under FCRA, UCC 1-308, and UCC 1-103 are being honored going forward Experians continued failure to lawfully validate and their refusal to respond within the legal timeframe makes them liable under federal law and subject to enforcement.

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 2025-05-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I am writing to formally dispute the accuracy of several items listed on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request a complete reinvestigation of the following accounts. Additionally, I am aware of the Experian data breach and have serious concerns regarding the accuracy and integrity of my credit file. 
Please investigate and verify the following accounts : Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} If any of these items can not be verified, they must be deleted from my credit report as mandated by the FCRA. Please provide documentation used to verify the accuracy of each item. I have enclosed a copy of my government-issued identification and proof of address to assist in your investigation.

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 2025-05-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$7200.00} XXXX  from my Chase checking account ( Account Number : XXXX ) to my XXXX XXXX ( ends with XXXX ) bank account. The transaction number is XXXX. 

Unfortunately, I later realized that the destination XXXX account number was entered incorrectly, and the transfer failed. I closed my Chase account shortly afterward and was not aware that the funds may not have reached the intended recipient. 

Recently, I contacted both banks. XXXX confirmed they never received the funds, and the wire was likely rejected. However, since my Chase account is now closed, I have been unable to trace the funds or recover them through normal customer service channels. 

I request that Chase conduct a full investigation and provide a XXXX trace or official documentation to determine the current status of the funds and assist with recovering them. 

I believe Chase has an obligation to assist with tracing the transaction, especially since the transfer failed and funds XXXX still be held or returned. 

Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
I need this removed from my credit immediately the buisness name is HUNTER WARFIELD INC. and or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

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 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 2025-05-21 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: IL

Complaint narrative:
Subject : Credit Report Dispute Incorrect Address, Employment Information, and Unauthorized Inquiries Dear Transunion, I am writing to formally dispute inaccurate information listed on my credit report. After reviewing my Transunion credit file, I noticed the following errors which I request be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are XXXX or more addresses listed on my credit report that I have never resided at. Please remove any addresses not associated with my verified residence history. 

XXXX. Incorrect Employment Information : XXXX XXXX XXXX XXXX My credit report includes employment details that are inaccurate. I have never been employed by the listed employer ( XXXX ). I request that all incorrect employment information be removed from my credit file. 

XXXX. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several hard inquiries on my report that I did not authorize. I request these inquiries be removed as they were made without my consent. 



Please investigate these matters and remove or correct the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my government-issued ID and a utility bill as proof of identity and address. 



I respectfully request that the results of your investigation be sent to me in writing at the address above. If you need any further information from me to assist with your investigation, please let me know. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Unresolved Dispute Regarding Credit Report Item I am writing to formally state that I have made several attempts to resolve a dispute concerning an inaccurate item on my credit report. Despite following the appropriate procedures and submitting the necessary documentation to the credit bureaus, the matter remains unresolved. 

The responses I have received from the credit bureaus have not addressed the specific details of my original complaint. In fact, the replies have been either irrelevant or generic in nature, failing to provide the correct or pertinent information related to my dispute. 

I have acted in good faith to rectify this issue and request that this matter be reviewed thoroughly and the inaccurate item be removed from my credit report promptly due to the fact that the credit bureau has not been able to provide debt verification or proof of how the debt was verified in over 90 days and they are in fact in violation of the FCRA. 

Please consider this letter as part of my continued effort to resolve this matter. I appreciate your attention and timely response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
To Whom It May Concern, Subject : Unresolved Dispute Regarding Credit Report Item I am writing to formally state that I have made several attempts to resolve a dispute concerning an inaccurate item on my credit report. Despite following the appropriate procedures and submitting the necessary documentation to the credit bureaus, the matter remains unresolved. 

The responses I have received from the credit bureaus have not addressed the specific details of my original complaint. In fact, the replies have been either irrelevant or generic in nature, failing to provide the correct or pertinent information related to my dispute. 

I have acted in good faith to rectify this issue and request that this matter be reviewed thoroughly and the inaccurate item be removed from my credit report promptly due to the fact that the credit bureau has not been able to provide debt verification or proof of how the debt was verified in over 90 days and they are in fact in violation of the FCRA. 

Please consider this letter as part of my continued effort to resolve this matter. I appreciate your attention and timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and the credit bureau for continuing to report a closed student loan account that has not been verified. 

On XX/XX/year>, I submitted a formal dispute and requested verification of the account under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ). I specifically asked for the original signed Master Promissory Note, legal proof of authority to report the loan, and the complete account and payment history. 

No documentation was provided in response to this legal request. 

Under FCRA XXXX ( a ), any disputed item that can not be verified within XXXX  days must be deleted. This account remains on my credit report without verified documentation and continues to negatively affect my credit. 

I am requesting that the CFPB investigate and enforce the law requiring deletion of unverifiable 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I recieved a call from an investigator. They threaten to serve papers to my place of business or address. I was to appear in court on an immediate basis in regards to pending allegations. I contacted the number they gave to be which was XXXX. I was informed of a debt in the amount of {$3000.00} that was owe to CitiBank from the year XXXXThey told me if I can pay them now that I can pay at a reduced amount which was {$2500.00}. I split the amount on XXXX separate credit cards. Then I decided to do further inquires as I do not recall owing CitiBank any money from XXXX. I spoke to a person at CitiBank and he confirmed I did not owe anything. The number they call me from was XXXX and the name of the business was XXXXXXXX XXXX  XXXX have since disputes both charges

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