vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding collection account inaccurately appearing on my credit report, The account in question is listed under XXXX XXXX XXXX with an open balance of {$960.00} and reported as a collection account. This account was previously disputed and successfully removed from one or more of my credit reports due to inaccuracies and/or lack of validation. However, the account has recently been reinserted without proper notice or a valid investigation. The original creditor was XXXX and it appears the debt may have been sold or transferred to XXXX XXXX XXXX. I was not provided proper validation of this debt by XXXX XXXX, nor was I given the legally required five-day notice prior to reinsertion as required by the For Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally under the Fair Debt Collection Practices Ave ( FDCPA ), 15 U.S. Code 1692g, am entitled to a full complete validation of the debt, including : A detailed breakdown of the amount alleged The name and address of original creditor Proof of assignment or ownership of the debt XXXX XXXX XXXX A copy of any contract bearing my signature As of today, I have not received any of this documentation. 

I request that CFPB to investigate this matter as a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account from all consumer reporting agencies unless the furnisher can provide full validation, proof of legal assignment, and evidence of proper reinsertion procedures. Please find attached a screenshot of the account from my credit monitoring report relevant details. 

Thank you for your assistance in protecting consumers from unfair and inaccurate credit reporting. 

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding collection account inaccurately appearing on my credit report, The account in question is listed under XXXX XXXX XXXX with an open balance of {$960.00} and reported as a collection account. This account was previously disputed and successfully removed from one or more of my credit reports due to inaccuracies and/or lack of validation. However, the account has recently been reinserted without proper notice or a valid investigation. The original creditor was XXXX and it appears the debt may have been sold or transferred to XXXX XXXX XXXX. I was not provided proper validation of this debt by XXXX XXXX, nor was I given the legally required five-day notice prior to reinsertion as required by the For Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally under the Fair Debt Collection Practices Ave ( FDCPA ), 15 U.S. Code 1692g, am entitled to a full complete validation of the debt, including : A detailed breakdown of the amount alleged The name and address of original creditor Proof of assignment or ownership of the debt XXXX XXXX XXXX A copy of any contract bearing my signature As of today, I have not received any of this documentation. 

I request that CFPB to investigate this matter as a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account from all consumer reporting agencies unless the furnisher can provide full validation, proof of legal assignment, and evidence of proper reinsertion procedures. Please find attached a screenshot of the account from my credit monitoring report relevant details. 

Thank you for your assistance in protecting consumers from unfair and inaccurate credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: SC

Complaint narrative:
Your Name : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX : XX/XX/XXXX, XXXX : Credit Bureau ( XXXX XXXX XXXX XXXX ) Subject : Formal Dispute Department of Education Negative ReportingDear Credit Bureau, I am writing to formally dispute the negative reporting associated with my student loan accounts under the Department of Education XXXX XXXX listed on my credit file.These accounts are showing multiple 120+ day late marks, even though I have taken steps to resolve the debt through an income-driven repayment plan. This reporting is misleading and does not reflect my current payment status or efforts.Under FCRA 605 ( b ), if information is outdated, inaccurate, or unverifiable, it must be removed. Given that these accounts are now being managed under a repayment or deferment plan, the derogatory marks no longer accurately represent the current status of my student loans.I request that you conduct a reinvestigation and either update the accounts to reflect their accurate current standing or remove the derogatory information entirely. Please confirm in writing once the corrections have been made.Thank you for your attention to this matter.Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX XXXX XXXXXXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I have no ownership of these fraudulent accounts ; they must be removed under USC 1681g in 15 days.

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 2025-08-07 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I did a mobile deposit, of my husbands stimulus check, XXXX XXXX, for XXXX check number XXXX. Check was deposited into my account which citi bank immediately froze and closed down. Citi Bank Account number XXXX. Contacted bank they said they did not accept the check and it was cleared for my husband to cash and they would mail me the remainder that was in my account to me and close the account. Tried a few times to cash the stimulus check and was told it was already cashed. Citi Bank said to call XXXX. I contacted XXXX  XX/XX/year>. XXXX  put a trace on the check and responded with a letter stating check was cashed to contact financial institution, citi bank. I called Citi Bank and was advised by management that they were holding the funds on the check and would not return them to us or unfreeze the check to be cashed until the XXXX  did a bank to bank verification. I contacted the XXXX  again and advised them what citi bank advised me. XXXX  said they never heard of such a thing. If citi bank declined accepting the check they need to unfreeze the check so my husband can cash it elsewhere. This is going on over XXXX  months. Citi Bank is holding our money that the XXXX sent us. XXXX XXXX Citi Bank cashed the check. But Citi Bank did not give us the money and closed my account. They need to return our money or decline the check so XXXX  can issue another XXXX or we can cash the original one. XXXX  can do neither because citi bank has the check marked as cashed by them. This is illegal and we need our money returned. ASAP Please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-07 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-08-07 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: CA

Complaint narrative:
XXXX beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-07 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am filing a formal complaint regarding a charged-off credit card account being reported by Synchrony Bank / SYNCB/PPC on my credit report. The account, originally opened on XX/XX/XXXX, is currently being reported with a charge-off balance of {$7500.00} as of XX/XX/XXXX, with the original balance listed as {$5500.00}. 

This account contains multiple issues that violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : The account was charged off in XX/XX/XXXX, but it is still reporting as past due monthly into XXXX this is misleading and results in continuous damage to my credit profile, in violation of FCRA 623 ( a ) ( 5 ) and FCRA 607 ( b ). 
The reported balance increased from {$5500.00} to {$7500.00}, yet no documentation or validation has been provided explaining the inflated amount. 
No formal debt validation notice has been issued to me as required by FDCPA 809 ( a ) [ 15 USC 1692g ( a ) ], and I have never received a breakdown of the charges, interest, or verification that the account is legally owed.

The ongoing reporting of this charged-off account into the current year violates the intent of accurate and fair reporting standards under FCRA 602 ( A ) and places an undue burden on my creditworthiness.

This is causing unjustified harm to my credit profile, and I am requesting immediate assistance in investigating this matter.

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 2025-08-07 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:
Ive maintained punctual payments, so this seems off. Please verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$310.00}

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 2025-08-07 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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 explanation
Consumer complaint received 2025-08-07 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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