vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year>, I filed a credit card dispute with Citibank regarding a charge for vacation rental accommodation where I experienced documented consumer rights violations. On XX/XX/year>, the vacation host unlawfully removed my belongings from my prepaid accommodation without notice, consent, or communication, requiring building staff and building security intervention. I was forced to leave the accommodation I had paid for, for safety reasons and could not use the prepaid services as intended. 

I provided Citibank with over XXXX pages of evidence including text messages, the availability of third-party witnesses from the building who helped me that day, and documentation of the violations. I mailed this evidence on XX/XX/year> to their dispute address. 

Citibank ruled against me on XX/XX/year>, stating only " services were provided as intended a statement that is factually and ethically indefensible. This leaves me to believe that the investigation was anything but thorough. To support that indication, Citibank also failed to provide the promised Dispute Letter explaining their decision. 
Complete documentation of the events leading up to this case, including detailed affidavit and exhibits, is attached.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-08-04 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
As someone who regularly monitors their credit for accuracy and security, I was surprised to find an account listed that I have never seen before and did not open. I am confident this entry is fraudulent and should not be associated with my profile.

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 2025-08-04 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: FL

Complaint narrative:
I am the consumer filing this complaint under my own name. I am not using a third party. This is a personal dispute regarding Experian 's continued reporting of a collection account from XXXX XXXX XXXX, allegedly tied to a XXXX XXXX account # XXXX that has already been formally deleted from my credit file. 
I submitted clear evidence to Experian including official deletion results from XXXX  showing that the original XXXX XXXX account no longer exists. Despite this, Experian is still reporting the XXXX collection, which is based on a debt that has been removed. I also submitted a Method of Verification request and received no explanation of how Experian verified the continued reporting. 

The continued inclusion of this XXXX account is inaccurate and misleading, as the original creditors data has been deleted and XXXX has no verifiable basis for continuing to report this information. 

I am requesting Experian : Provide the Method of Verification under FCRA 611 ( a ) ( 7 ). 
Remove the XXXX collection from my file due to it being unverifiable and tied to a deleted account. 
Comply with FCRA 611 and 623 to avoid further regulatory action. 
I respectfully request CFPB ensure Experian fully investigates this dispute as required by law, and not dismiss the issue on the basis of a false unauthorized third party claim. I have already submitted documents to Experian online of my identity and authorization for this CFPB complaint.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-04 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: IL

Complaint narrative:
Subject : Inaccurate, duplicate credit reporting XXXX XXXX XXXX to XXXX Details of Complaint : I am filing this complaint against Experian Information Solutions , Inc. for inaccurate and duplicative credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i. 

The account in question originated with XXXX ( Account ending XXXX ). According to Experians report ( see attached screenshot ) : The account is listed as Closed, {$0.00} balance, Written Off, with the notation Purchased by another lender. 
This indicates the account was sold and no longer owned by XXXX. 
However, XXXX continues to report this derogatory tradeline despite transferring ownership to XXXX XXXX XXXX on or about XX/XX/XXXX. 

At the same time, XXXX XXXX XXXX is reporting the same alleged debt to other credit bureaus, causing a duplicate derogatory entry on my credit profile for a single alleged obligation. 

I dispute this tradeline as inaccurate and unverifiable : XXXX. XXXX can not legally report a debt it sold ( Purchased by another lender ) while allowing a debt buyer to also report it. 
XXXX. Experian is maintaining false and duplicative information, violating its duty under 1681e ( b ) to ensure maximum possible accuracy. 
XXXX. I previously disputed the ownership and validity of this account. Experian failed to conduct a reasonable reinvestigation under 1681i, as the tradeline remains unchanged despite the account being sold and unverifiable.

Requested Relief : Immediate deletion of this XXXX tradeline from my Experian credit file. 
Written confirmation of deletion and correction sent to me and all parties who received this inaccurate report within the last 24 months. 

Attachments : Screenshot of Experian report showing Purchased by another lender. 
Evidence that XXXX is now reporting same debt elsewhere. 
Prior CFPB dispute showing ownership questions were raised.

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 2025-08-04 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 have discovered a serious error on my credit report involving an account that I did not open. It appears that my personal information may have been used without my knowledge or consent.

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 2025-08-04 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: LEXISNEXIS
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: WA

Complaint narrative:
The accounts shown were not opened by me and are clear indicators of fraud. As per USC 1681g, I expect them to be removed within 15 days. Documentation has been attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
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 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 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 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
Consumer complaint received 2025-08-04 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:
I recently reviewed my credit report and found that a payment was marked late, even though it was submitted on time. This discrepancy may have been due to how the payment was processed or recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-04 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: NJ

Complaint narrative:
Misleading Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXXXXXX ) Filed Against : Experian Information Services Date of Last Reinvestigation : XX/XX/XXXX Consumer Name : XXXX XXXX Complaint Summary : I am submitting this complaint regarding the inaccurate and misleading reporting of a closed XXXX XXXX XXXX XXXX account listed under my Experian credit profile. This account was opened jointly with XXXX XXXX XXXX on XX/XX/XXXX and paid and and closed on XX/XX/XXXX. 

Despite a completed FCRA dispute investigation in XX/XX/XXXX, Experian continues to report : Delinquencies that are inconsistent with payment history A joint liability claim that remains undocumented Remarks stating " consumer disagreed '' with no supporting documents disclosed Derogatory marks on a fully paid and closed account, which misrepresent the tradeline status Violations and Consumer Protection Grounds : FCRA 611 and 623 ( a ) ( 1 ) ( C ) Experian is reporting the first late payment as XX/XX/XXXX, but payment history clearly shows it began in XX/XX/XXXX, with 30-day lates starting in XX/XX/XXXX. This discrepancy misleads creditors and violates required accuracy under the FCRA. 

Equal Credit Opportunity Act ( Reg B ) The account is listed as jointly held with XXXX XXXX XXXX. I have not received any signed documentation verifying my legal responsibility or consent to act as a co-signer.

Regulation V ( 12 CFR 1022.43 ) Experian failed to provide evidence of a reasonable reinvestigation or disclose documentation used to sustain the negative tradeline.

Metro 2 Compliance Issues The account is closed and marked " Paid as agreed, '' yet derogatory marks remain attached. This violates industry standards on how paid, closed accounts should be reported.

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 2025-08-04 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: OH

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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am disputing a Credit Acceptance Corporation auto loan that is being reported on my XXXX credit report as a repossession with an outstanding balance of {$10000.00}. The account shows the status as Repossession. {$10000.00} past due as of XX/XX/XXXX, and is marked with continuous 180-day late payments and R for repossession from XXXX through XXXX. 

I have disputed this information, but it still remains with no sufficient investigation or correction. The account lacks critical and required updates : It continues to report as past due despite being a repossession, which is misleading and potentially double reporting. 
There is no monthly payment or recent payment listed, which conflicts with the idea that its still actively past due.

The balance has not been adjusted to reflect the sale of the repossessed vehicle, if one occurred.

The payment history is filled with ongoing R and 180-day late marks after the repossession, which is inaccurate and damaging.

I am requesting that Credit Acceptance provide full validation under the FCRA, including the full payment history, a detailed accounting of the balance, and proof of the amount remaining after any vehicle sale. If they are unable to provide full and accurate documentation, I am requesting immediate deletion of this account from my credit report.

This inaccurate reporting is severely impacting my credit and my ability to obtain transportation and housing.

Requested Resolution : Remove the inaccurate reporting from my credit file, or Accurately update the balance and payment status to reflect the repossession as a closed account with no further 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 2025-08-04 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: WA

Complaint narrative:
These accounts were fraudulently opened without my permission. As such, I demand their deletion under USC 1681g within 15 days. Ive included documents that support this claim.

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 2025-08-04 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:
Maintaining a strong financial reputation is extremely important to me, which is why I was alarmed to discover a fraudulent account attached to my credit report. I have never applied for or held any account with the entity in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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