vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Credit Reporting by XXXX To Whom It XXXX Concern, I am filing a formal complaint against XXXX for inaccurate and harmful credit reporting related to my student loan account. 

Between XXXX and XX/XX/year>, I made multiple good-faith payment attempts toward my loan. These payments were reversed by XXXX by meand I was never notified of any issue. I did not receive alerts, emails, or messages indicating that the payments were unsuccessful. As a result, XXXX reported late payments to the credit bureaus without giving me an opportunity to correct the issue. 

On XX/XX/year>, I submitted a written request to XXXX asking for a correction to my credit report. I provided bank statements and documentation showing that I had attempted to make payments and that my account is now current. On XX/XX/year>, XXXX responded by stating that no action could be taken. Then, on or around XX/XX/year>, they acknowledged a processing delay and said they would respond again in XXXX days. 

This delay is unacceptable. The negative credit reporting is the result of XXXX internal processing issuesnot any fault of mine. I am now unable to proceed with a major purchase due to this unjust reporting, and I should not be penalized for errors within their organization. 

I respectfully request that the CFPB investigate this matter and compel XXXX to : 1. Immediately correct the inaccurate credit reporting. 

2. Remove all late payment notations from my credit file.

3. Provide a written explanation and resolution timeline. 


Thank you for your attention to this matter. I appreciate your help in ensuring fair and accurate credit reporting. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following items be verified or removed immediately. 

INQUIRIES : - 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 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a credit card with Macy 's to use once in a while last XXXX when they offered it to me. 
I made a single purchase on XX/XX/year>, of {$53.00}. 
I was out of town, riding in a car and received a notification that my payment was due on my cell phone on XX/XX/XXXX. I called immediately to make my payment by phone. I gave the representative my debit card number from my bank. The woman on the phone said that the payment would not go through for some reason, but that she would try again. Then she said it had gone through, and she would waive/clear the late fee of {$30.00}. I did not worry about it after that. I am attaching a copy of the account history from Macy 's website showing that the payment was applied. 

On XX/XX/XXXX, after monitoring my checking account to confirm the funds were withdrawn, I noticed that there was a hold on the funds in my account for about XXXX days, but they were never withdrawn. So, I called Macy 's again to see if the payment had been made and they said it had not. I again gave them my account number over the telephone. This is an account that I have had for over XXXX years! They said it could not be done. So, we went to XXXX XXXX Macy 's where I made the purchase, and I paid my bill, {$53.00} in person. I did not pay the late fee because I was told it had been waived on XX/XX/XXXX. My balance should have been XXXX. I did not use the card again. 
Then, apparently fees were charged on the fees. I was not getting statements, but {$30.00} on {$30.00} was getting charged. I was starting to get bullied on the telephone and we tried to get through to customer service to no avail. I have attached a letter that we sent to close the account. They continued to call me every day to collect the payments that i DO NOT OWE! I paid it because I could not deal with it any longer and could not get assistance.

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 2025-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
As the US Dept of Education has not responded to the initial complaint that I filed with CFPB ( # XXXX ) on XX/XX/year> I am filing this addendum. On XX/XX/year> XXXX  increased my XXXX  score ( see attached ) and the information from the US Department of Education was omitted. Then on XX/XX/year> XXXX  decreased my score once again ( See attachment ) and the information from the Department of Education was added back to my credit report. It is obvious that the Dept of Education responded to Experian but not to my complaint with CFPB. This is unconscionable, and needs to be dealt with. I consider this to be harassment by the Department of Education as well as undermining CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. 

I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

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 2025-09-30 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: 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 2025-09-29 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:
I discovered incorrect accounts on my credit report, and I have no idea how. I regularly check my report, but this time, unexpected discrepancies appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This correspondence is a dispute of fraudulent accounts reported in my credit history. These accounts are not mine, were never authorized, and their reporting constitutes a serious and damaging inaccuracy. Their inclusion is unacceptable and is creating a false picture of my financial reliability.

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 2025-09-29 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-29 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-09-29 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:
I am formally disputing the fraudulent accounts being reported under my credit profile. I have no association with these accounts, and their inclusion is inaccurate, harmful, and misleading. The presence of these accounts is damaging my financial credibility and must be rectified 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
Consumer complaint received 2025-09-29 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 am writing to dispute fraudulent accounts currently listed in my credit report. These accounts were not opened by me, nor were they authorized by me at any time. Their inclusion is a false representation of my financial history, causing unnecessary harm to my creditworthiness and reputation.

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 2025-09-29 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand for Immediate Removal of Inaccurate Credit Information To Whom It May Concern : I, XXXX XXXX, am formally demanding that XXXX  cease and desist from reporting the following inaccurate and unverifiable accounts on my credit report : OppLoansXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basis for Demand : These accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information on my credit report. The creditors have failed to provide legally sufficient documentation proving my obligation to pay these debts. 

Reporting these accounts in their current form violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information.

Continued reporting of these accounts is causing substantial financial and emotional hardship, interfering with my ability to obtain credit, and exposing me to damages.

Demand for Immediate Action : Cease reporting these accounts immediately. Remove them from my credit report within 15 calendar days of receipt of this letter.

Conduct a full reinvestigation with the creditors and provide written confirmation of removal. 

Provide a corrected copy of my credit report reflecting the removal of these accounts. 

Notice : Failure to comply within 15 days will leave me no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Pursue all remedies available under federal and state law for the willful and negligent reporting of inaccurate credit information, including potential claims for actual and statutory damages, attorneys fees, and costs. 

This letter serves as a formal Cease and Desist notice. I expect your immediate compliance and written confirmation of removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: RI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
data breach from XXXX XXXX XXXX XXXX. they are reporting information that should have been removed when i filed a dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MO

Complaint narrative:
data breach from Equifax, XXXX XXXX XXXX they are reporting information that should have been removed when i filed a dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 2025-09-30 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: 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 response to consumer: Closed with non-monetary relief