vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the security practices and consumer protection policies associated with Zelle. Although Zelle is marketed as a fast, convenient, and safe money transfer service backed by major banks, my experience as well as countless others reported publicly shows a serious lack of accountability and safeguards against fraud and exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have asked this company multiple times to validate my debt but they have not sent any documents to me. I have attached the most recent letter sent out along with a tracking number for certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I found a false collection account from XXXX on my credit report for {$51.00} on XX/XX/year> resulting in my credit score dropping XXXX points. This is not my account. I called XXXX at XXXX XXXX cancelled XXXX on XXXX XXXX at XXXX XXXX. I immediately went to the XXXX store and returned the equipment. I have the receipt and its time stamped at XXXX. The first person from XXXX I spoke to was XXXX. I immediately asked to speak to a supervisor. XXXX XXXX answered and I explained everything. XXXX informed me that the equipment was received, to wait for the final bill, my credit is good, no past due, I was not in collection, and my account was in good standing. he couldn't give me an answer as to why I had a collection on my credit report. I hung up and called XXXX  at XXXX XXXX and filed a dispute request. I called XXXX  at XXXX and they removed it from my credit report. I called XXXX  at XXXX. and they said it was not on my report. I have a freeze on all XXXX bureaus and I have put a fraud alert on all XXXX bureaus. My XXXX XXXX was XXXX from XXXX  it has dropped to XXXX from these false allegations. My credit report shows I have XXXX late payments. So I don't understand how I can be in collections. This is not my account. I did receive a letter last year from the XXXX hack saying I was involved and issued me a year of credit monitoring. My year has expired and I believe this is a result of this hack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
As per XXXX XXXXXXXX XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXX XXXX XXXX XXXX  XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Federal Trade Commission. XXXX State Regulatory Agency

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 2025-10-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 2025-10-08 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am filing a complaint against CitiBank regarding an unresolved dispute on my checking account. 

On XX/XX/year>, my account was debited {$440.00} by XXXX XXXX XXXX. I did not authorize this transaction. I contacted CitiBank and officially filed a dispute on XX/XX/year>. 

Since that date, I have not received any response or update from CitiBank. The bank has not provided a resolution, issued a provisional credit, or even communicated a timeline. This is nearly XXXX weeks of total silence. 

Furthermore, I contacted XXXX XXXX, and they confirmed that they never received the funds related to this transaction further indicating that this was an error or unauthorized charge. 

XXXX failure to provide updates or issue a provisional credit within the required timeframe appears to violate the Electronic Fund Transfer Act ( EFTA ), which requires banks to resolve disputes within XXXX business days or issue a provisional credit while continuing the investigation. 

I am requesting that CitiBank : Immediately issue a refund or provisional credit of {$440.00} Provide a written explanation for the delay Give a clear update on the status of my dispute This has caused unnecessary stress, and I believe CitiBank is neglecting its duty under consumer protection laws. I am seeking the CFPBs help in resolving this issue promptly.

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 2025-10-08 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: NY

Complaint narrative:
I am submitting this complaint regarding an unverified and inconsistently reported XXXX XXXX account that continues to appear on my credit reports despite multiple disputes and lack of verification. 

This account has been disputed over XXXX times with all three credit bureaus ( XXXX XXXX and Equifax ) and directly with XXXX over the last several years. Despite repeated requests under the Fair Credit Reporting Act ( FCRA ) for proper verification, the company has not provided any supporting documentation that proves the accuracy or ownership of this account. 

The information being furnished is inconsistent across all bureaus, which further demonstrates inaccuracy and a lack of reasonable investigation : TransUnion : Reports Dispute resolved ; reported by grantor. 

Experian : Reports Account was in disputenow resolvedreported by subscriber. 

Equifax : Reports Not disputed. 

These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and 611 ( a ) ( 5 ) ( A ) ( requirement to delete unverifiable information ). 

In addition, I have never received an IRS Form XXXX from XXXX, which would be required if the alleged debt had been canceled or charged off as a loss. I have requested this form from XXXX on multiple occasions and received no response. The absence of a XXXX calls into question whether the account was actually charged off or properly closed under IRS regulations XXXX 

The continued reporting of this account as a charge-off/collection without verification constitutes willful noncompliance under FCRA XXXX, as XXXX furnisher is knowingly reporting incomplete and inaccurate data after repeated notice. 

I am requesting that the Consumer Financial Protection Bureau require XXXX to : Cease furnishing this unverifiable account to all consumer reporting agencies ; Delete the account entirely from all credit bureau files ; and Provide written confirmation of this action. 

Despite over a dozen attempts to resolve this matter through the credit bureaus and directly with the creditor, XXXX has failed to provide validation or correction. The repeated re-reporting of inaccurate data is materially harming my credit profile and violates my rights under the FCRA. 

Requested Resolution : Permanent deletion of this XXXX XXXX account from all credit bureaus and confirmation that XXXX will no longer furnish this unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an unverified and inconsistently reported XXXX XXXX account that continues to appear on my credit reports despite multiple disputes and lack of verification. 

This account has been disputed over XXXX times with all three credit bureaus ( TransUnion, XXXX XXXX XXXX ) and directly with XXXX over the last several years. Despite repeated requests under the Fair Credit Reporting Act ( FCRA ) for proper verification, the company has not provided any supporting documentation that proves the accuracy or ownership of this account. 

The information being furnished is inconsistent across all bureaus, which further demonstrates inaccuracy and a lack of reasonable investigation : TransUnion : Reports Dispute resolved ; reported by grantor. 

XXXX  : Reports Account was in disputenow resolvedreported by subscriber. 

XXXX XXXX  Reports Not disputed. 

These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and 611 ( a ) ( 5 ) ( A ) ( requirement to delete unverifiable information ). 

In addition, I have never received an IRS Form XXXX from XXXX, which would be required if the alleged debt had been canceled or charged off as a loss. I have requested this form from XXXX on multiple occasions and received no response. The absence of a XXXX calls into question whether the account was actually charged off or properly closed under IRS regulations XXXX 

The continued reporting of this account as a charge-off/collection without verification constitutes willful noncompliance under FCRA XXXX, as XXXX furnisher is knowingly reporting incomplete and inaccurate data after repeated notice. 

I am requesting that the Consumer Financial Protection Bureau require XXXX to : Cease furnishing this unverifiable account to all consumer reporting agencies ; Delete the account entirely from all credit bureau files ; and Provide written confirmation of this action. 

Despite over a dozen attempts to resolve this matter through the credit bureaus and directly with the creditor, XXXX has failed to provide validation or correction. The repeated re-reporting of inaccurate data is materially harming my credit profile and violates my rights under the FCRA. 

Requested Resolution : Permanent deletion of this XXXX XXXX account from all credit bureaus and confirmation that XXXX will no longer furnish this 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account Number XXXX Balance : {$470.00} Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-10-08 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: LA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-10-08 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: AZ

Complaint narrative:
This is my second follow-up for previously disputed accounts and a new dispute for additional accounts I recently found on my credit report. 
After reviewing my updated credit file, I noticed that : Some accounts I disputed before are still being reported even though they have not been properly verified. 
Other new accounts are now showing with inaccurate, incomplete, or questionable information. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), credit reporting agencies must maintain maximum possible accuracy and conduct a reasonable reinvestigation whenever a consumer disputes an account. 
________________________________________ Accounts I am disputing : 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 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 response to consumer: Closed with non-monetary relief