vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. As provided by 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I request that these entries be investigated, and if they can not be properly verified, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Specifically, I would like to draw your attention to 15 U.S.C. 1666b, which mandates that creditors must provide accurate information to credit reporting agencies. Furthermore In accordance with the law, my rights have been violated. Inaccurate reports to consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-10-15 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: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-10-15 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-15 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 noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I have been a victim of identity theft, and my personal information was used fraudulently, resulting in this false account being reported. I followed proper procedure and filed an FTC Identity Theft Report as instructed by TransUnion, and I have already submitted that documentation. Despite this, the fraudulent item remains on my credit report.

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 2025-10-15 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: PA

Complaint narrative:
This is a follow-up to CFPB Case # XXXX ( closed prematurely ). 

I am requesting Citi re-review my dispute with XXXX  # XXXX ( {$970.00} on XX/XX/year> ) because key evidence and facts were overlooked. Citis latest letter ( XX/XX/year> ) states they will no longer respond, but I have unresolved issues that justify a refund. In all of Citis responses, their reason for not offering a refund was the merchants unwillingness to provide one.

Key Points Supporting a Refund : Misdiagnosis & Unnecessary Repairs : XXXX replaced all four brakes and rotors for nearly {$1000.00}, but the original issue remained entirely unresolved. XXXX diagnosed and fixed the real problem the next day, a failed wheel bearing and CV axle. 
Existing Warranty Coverage : My brakes were replaced shortly before this visit and were still rated 8 ( excellent ) at my state inspection. The parts were also under warranty at my trusted home garage, meaning I could have received a no-cost repair if they had been actually needed.

Failure to Return Parts : The shop promised to place the old brake pads/rotors in my car, which I requested for warranty purposes. They did not return them, removing my ability to verify condition or recover warranty value.

False Merchant Statement : The merchant told Citi that I never called back after their half-refund offer. I have a call log showing a 6-minute call with their district manager where that offer was discussed and declined. This is a factual inaccuracy in their response.

Incomplete Diagnostic Process : The merchant admitted after payment that they ran diagnostics only after completing the brake work, which revealed unrelated error codes they had not checked beforehand. I never received any details on any error codes and a check at my local garage when I returned home confirmed no codes were present.

Given these points, the shops actions caused unnecessary cost, failed to resolve the safety issue, and prevented recovery under my existing brake warranty. I request that Citis regulatory team re-evaluate this dispute with these facts considered.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I am writing to formally dispute and express my frustration regarding your companys failure to close my XXXX  credit card account despite my prior call to customer service to do so. Instead of honoring my request, they left the account open and proceeded to charge me an unrequested and unconscionable annual renewal fee. 

This action is unacceptable and appears both negligent and predatory. I demand that the renewal fee be reversed immediately, that no further fees be assessed, and that my account be properly closed without penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-15 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:
Kindly delete the disputed accounts as required by 15 U.S. Code 1681g within the legal timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe have inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. Please review these items and remove any that can not be verified as correct.

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 2025-10-15 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: TX

Complaint narrative:
Follow the statutory timeframe in 15 U.S. Code 1681g and remove the disputed accounts.

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 2025-10-15 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted an identity theft packet to Nelnet Loan Services regarding student loans that do not belong to me. The company received the packet but did not provide confirmation of receipt. Instead of investigating the dispute as required by law, Nelnet began collection activity, including reporting derogatory missed payment history to credit bureaus and initiating collection calls. These actions damaged my credit and violated my rights under the Fair Credit Reporting Act ( FCRA ).

Applicable FCRA Sections 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) A furnisher shall not report information to a credit bureau if it knows or has reasonable cause to believe the information is inaccurate, or after being notified by the consumer that the information is inaccurate.

1022.43 ( Regulation V ) Furnishers must investigate direct disputes relating to identity theft or fraud and can not ignore such disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have repeatedly attempted to notify XXXX XXXX and XXXX XXXX XXXX XXXX in writing about my financial hardship due to job loss and my legal right to written-only communication. Despite my good-faith efforts, including emails sent to their listed addresses and to the XXXX XXXX XXXXXXXX XXXX XXXX, my messages have either bounced back or gone unanswered. 

XXXX XXXX has made it impossible to communicate by email or online portal regarding hardship assistance. I have documented every failed attempt and the system errors when trying to reach customer service through their website. 

These actions violate my right to fair communication under the Fair Debt Collection Practices Act ( FDCPA ) and demonstrate bad faith and obstruction under the Consumer Financial Protection Act ( CFPA ). I am requesting regulatory intervention to ensure my hardship notice is acknowledged, my account is not charged late fees or penalties during this period, and that I receive written confirmation that my communication preference is honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
I have reached out to this credit bureau multiple time and they fail to do a proper investigation each time I am disputing the accuracy of the following information in my credit file under the Fair Credit Reporting Act ( FCRA ) : Creditor : XXXX XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Reason for dispute : The tradeline is inaccurately reported as Paid in Full / Was a Charge-Off. A paid account can not also be legally defined as charged-off under 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ). The account shows a {$0.00} balance and confirmed payment completion, yet continues to be reported as derogatory. 

Additionally, this account was previously disputed and verified without supporting documentation, which constitutes a violation of FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Please conduct a reasonable reinvestigation and remove this inaccurate item. 

If XXXX XXXX can not verify this tradeline with proper documentation, it must be deleted from my report in accordance with FCRA 611 ( a ) ( 5 ). 

hereby demand that TransUnion : Conduct a full reinvestigation of this XXXX XXXX account ; Request original verification and documentation from XXXX XXXX  showing the charge-off designation ; and Delete this tradeline entirely if the accuracy of the charge-off notation can not be verified with documentation directly from the furnisher. 

Reservation of Rights and Right to Sue Please be advised that under FCRA 616 [ 15 U.S.C. 1681n ] and FCRA 617 [ 15 U.S.C. 1681o ], I reserve all rights to pursue civil action for willful or negligent noncompliance with the Fair Credit Reporting Act, including but not limited to : Statutory damages, Actual damages, Punitive damages, and Attorneys fees and costs. 

If the information l continues to report this inaccurate information after receiving this notice, I will exercise my right to sue under federal law for FCRA violation

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 2025-10-15 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a letter from this credit card company and I did not open this card. I have been a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : 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 I have contacted EXPERIAN several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

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 2025-10-15 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:
My account should show my history of on-time payments. I am disappointed to find this inconsistency in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
PLEASE BLOCK AND REMOVE. 
This inaccurate entry must be deleted from my credit record. I never approved or authorized it. Supporting proof is enclosed.

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