vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX SSN Last XXXX : XXXX To Whom It May Concern Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX want everything in writing I'm requesting the original contract with original creditor ( NAME ) and account number with the date I sign my signature and also want request the full payment history with amount of the original creditor plus proof of DEBT assignment. I need to know how and when exactly did Credit Collection Services get this assigned or purchased this DEBT and if you can NOT provide all this information WITHIN XXXX  DAYS. Please Remove it from my Credit Report. 
Thank You XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-04 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: CO

Complaint narrative:
I am filing this complaint because both Experian and XXXX  are reporting an inaccurate late payment on my account XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, even though the account was fully paid and current at the time. I have maintained a consistent record of timely payments, and there was never a missed or overdue balance on this account. 

Despite my prior disputes with both credit bureaus, the investigation results I received were incomplete and unsubstantiated. Neither Experian nor XXXX  provided any proof from the furnisher confirming that a late payment occurred. Instead, the response I was given was the generic verified as accurate, which fails to meet the FCRAs requirement for a reasonable reinvestigation. 

Under 15 U.S. Code 1666 ( b ) and 1681n, credit reporting agencies and furnishers are obligated to ensure all data they report is accurate and based on verified documentation. Continuing to publish unverified late payment data after a consumer dispute constitutes a clear violation of those duties and undermines the integrity of the credit reporting system. 

This inaccuracy has directly harmed my credit profile and has been emotionally exhausting to continuously address. It misrepresents my payment history and creates an unfair perception of irresponsibility that is simply untrue.

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 2025-11-04 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 am confident this late payment report is a mistake. As a punctual payer, I request its removal and an accurate update to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
In XXXX of XXXX I received a speeding ticket and I paid the amount in installments and I keep getting mail from Linebarger Groggan Blair & Sampson stating I owe money when this has already been paid. 
In XXXX of XXXX I was sent a letter stating I ran a red light in the city of XXXX, XXXX  and I paid for this citation this on XX/XX/XXXX and Linebarger Groggan Blair & Sampson is stating that I still owe this amount when it has already been paid for and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as it was created and reported without my consent. Enclosed are the supporting documents to substantiate my 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX XXXX which I defaulted on in XXXX. Account was later written off and closed. Here it is showing up in XXXX as late since XXXX. This is incorrect information which is costing me dearly as I am now in the house search phase and this is going to deny me from getting approved. I've tried disputing with Experian with no luck. I called XXXX XXXX to try to make some type of arrangements and they said I have to write a letter. I have not made a payment on this account since 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 2025-11-04 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit have hard inquiries that I dont recognize neither did I give my written consent for my credit to be pulled. I was also in a data breach.

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 2025-11-05 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 writing to formally dispute inaccurate and derogatory information that appears on my Experian credit report. The following accounts are being reported incorrectly and must be investigated and removed if the information can not be verified as accurate and complete : XXXX XXXX  XXXX Co Account Type : Auto Loan Status : Involuntary Repossession / Closed Reported Balance : {$15000.00} Remarks : In Repossession, Fixed Rate Issue : The account is reporting as in repossession and closed with conflicting dates and inaccurate balance details. Please verify and delete if unverifiable.

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 2025-11-04 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 submitted a dispute to Experian regarding several accounts that I believe do not belong to me and are the result of identity theft. Along with my dispute, I provided a copy of my Identity Theft Report and proof of my identity to verify my claim. Despite submitting all required documents and waiting the appropriate timeframe, these fraudulent accounts are still appearing on my Experian credit report. Experian has failed to properly investigate and remove the inaccurate information, which continues to negatively affect my credit 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 2025-11-04 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my name is XXXX my cititybank XXXX am filing a formal complaint against Citibank , N.A . regarding an incorrect deposit record and the banks refusal to provide required documentation. 

On XX/XX/year>, I deposited three separate checks totaling approximately USD XXXX at the [ branch name / location ] branch. The checks were : {$9900.00} cashiers check issued to myself {$220.00} IRS refund check {$11.00} refund check from a car dealership Citibanks system combined

all three checks into a single teller deposit/payment entry, recorded as one lump-sum transaction over {$10000.00}. I requested the check images and the itemized deposit record, but the branch stated that they can not see any check images and could not provide the individual item details. This is highly concerning because : 1. Under the Check 21 Act banks are required to retain images of all deposited checks for a minimum of five years. 2. By failing to maintain or provide check images, Citibank appears to be in violation of federal record-keeping requirements. 3. The banks misclassification of multiple checks as one deposit over {$10000.00} could have triggered an erroneous Currency Transaction Report ( CTR ) or Suspicious Activity Report ( SAR ) to FinCEN, which could harm my financial reputation. I request that the cfpb require Citibank to : Retrieve and provide copies of each check image ( front and back ) ; Correct its internal record to show that this deposit consisted of three separate check items, not cash ; Confirm in writing that no CTR or SAR was filed in error ; and Review this branchs teller and compliance procedures to ensure proper record-keeping. I have attached supporting documentation, including a screenshot of the deposit ( {$10000.00} pending ), copies of the three checks, and correspondence with the branch.

I am requesting a written response from Citibanks compliance department through cfpd my email address XXXX Thank you for your attention.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: DailyPay, Inc
State: CT

Complaint narrative:
This past week I have had issues with accessing my earnings through DailyPay because I have transferred to another store ( no leave of absence or rehire ) every time I call I verified the company I work for XXXX brands and my identity and they constantly activate and deactivate my account. I was on call with supervisors and specialists last week about this and numerous times I have emails stating my account has been activated only to be deactivated again and again. Yesterday a supervisor told me he will activate my account and will make sure it wont happen again and will watch my account to ensure it. Only for it to happen again. This has caused great inconvenience because I use my earnings to get home from work and I request that something should be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 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: IL

Complaint narrative:
I am reporting this issue because unauthorized and inaccurate accounts have been added to my credit report. I never opened or authorized these accounts and was not notified that they had been added. The discrepancies across the three credit bureaus clearly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires accurate and verifiable reporting practices.

Additionally, 15 U.S.C. 1681i requires that disputed information be thoroughly investigated and either corrected or deleted within 30 days, while 15 U.S.C. 1681g gives me the right to full and accurate disclosures of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CO

Complaint narrative:
These account are fraudulently reported under my name without any authorization, consent, or knowledge on my part. I have never authorized, managed, or been associated with them in any way. This is utterly unacceptable, as it spreads false and damaging information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused me profound distress and alarm. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them provide full details without delay.

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