vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several accounts reported with late payment notations that I believe to be inaccurate or misreported on my credit file. These entries are negatively impacting my credit, and I request a thorough investigation and correction of these discrepancies. I kindly ask that you verify these late payments with the creditors involved and correct any inaccurate information from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute several charge-off and collection accounts reported on my credit file that are inaccurate, unverifiable, or obsolete. 
First, my report includes charge-offs with balances exceeding {$600.00} for XXXX XXXX XXXX XXXX XXXX XX/XX/year>, balance {$6900.00} ), XXXX XXXX ending in XXXX ( balance {$3000.00} ), and XXXX XXXX ending in XXXX ( balance {$3000.00} ). I have not received any IRS Form 1099-C for these accounts, which is required under federal law to validate canceled debt above {$600.00}. Reporting these accounts without proper verification is inaccurate and misleading, and I request that they be removed immediately. 
Additionally, my report includes charge-offs for XXXX ending in XXXX, XXXX ending in XXXX XXXX and XXXX ending in XXXX, all with XXXX balances. Under FCRA 605 ( a ) 15 U.S.C. 1681c, outdated or unverifiable information must be removed from consumer reports. These accounts no longer reflect any balance owed and should be deleted from my credit file. 
Lastly, my report includes a collection from XXXX XXXX ( original creditor : XXXX XXXX. XXXX XXXX ) ending in XXXX with a balance of {$2000.00}. Under FCRA 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), inaccurate, incomplete, or unverifiable collection accounts must be removed from consumer reports. This account can not be verified as accurate and should be deleted.

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 2025-08-27 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: MN

Complaint narrative:
I was reviewing my credit report and noticed inquires that do not belong to me.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> VIA CFPB XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : Ongoing Dispute Unauthorized Account / Data Breach CFPB XXXX No : XXXX & XXXX Complainant : XXXX XXXX To Whom XXXX XXXX XXXX XXXX I am appalled at American Express continued failure to comply with the law regarding my disputes. Even more shocking, in their XX/XX/year> letter, they sent me confidential account details belonging to another consumer ( XXXX XXXX, with account and gift card numbers, refund details, and personal financial information ). 

This is not only recklessit is a direct violation of federal consumer privacy protections under : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 requiring financial institutions to protect the security and confidentiality of customer information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b & 1681e restricting access and permissible use of consumer information.

Potential violations of state consumer privacy and data breach notification laws.

American Express has now demonstrated : Failure to validate or investigate my dispute under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ).

Willful refusal to correct false reporting while continuing to damage my credit.

Gross negligence in handling sensitive consumer information, sending me private account details of another clienta severe data breach.

This behavior is unlawful, unacceptable, and places both myself and another innocent consumer at risk.

I demand the following immediately : Permanent deletion of the false American Express account ( s ) being reported under my name.

Written confirmation that these accounts do not belong to me and will not be reinserted.

A full explanation and disclosure of how and why another consumers private account information was sent to me, including what remedial steps American Express is taking to address this data breach. 

Notification to XXXX XXXX ( the other consumer whose information was disclosed ) as required by law, and confirmation that regulators have been informed of this privacy violation. 

If American Express fails to comply, I will escalate with : The Federal Trade Commission ( FTC ) for data privacy violations, The Office of the Comptroller of the Currency ( OCC ) for regulatory oversight, My State Attorney Generals Office, And I will pursue civil litigation under FCRA, FDCPA, and GLBA, seeking statutory, actual, and punitive damages for ongoing harm.

This situation is now not only a matter of false reportingit is a federal privacy and consumer protection issue. I expect a full corrective response within 15 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
My HOA which is XXXX had put an assessment of {$2800.00} on each unit in addition to our existing HOA fees. They sent out an email telling us if we had set up our auto pay through them not to take any action as they would auto draft the {$2800.00} in monthly payments throughout the year. I had my XXXX on auto pay through the link they sent us so I didn't take any action. I did check in XXXX to make sure the payment was taken and it was and then I trusted the process. A few months later I received a letter from the XXXX and an email saying my assessment was late. I contacted accounting and they did not respond so I emailed the manager and asked her about it, specifically the XXXX and auto pay. She responded and told me it was an issue on their end and the notice was sent to everyone but to ignore it the payment was posted. Ok so I did that and now they sent me to XXXX XXXX XXXX. I contacted XXXX and told her I would pay the assessment in full but she had given me the wrong information. She asked me to forward her the email which I did and her response to me was a very unprofessional " yeah... I thought you were talking about something else '' she is dismissive and takes no accountability for giving me the wrong information and unclear information about the auto pay. She told me I have to pay XXXX XXXX XXXX. I called and asked them to please remove the late fee as I was given the wrong information, they said to email them with proof but then became argumentative and hung up on me without giving me an email. I called back again today on XX/XX/year> and remained calm yet the woman became argumentative again telling me to " prove it '' I told her I'm happy to prove I was given the wrong information and I'm happy to pay what I owe I'm just asking to remove the late fee since I was given the wrong information. I also asked to speak with a manager when she began speaking over me and trying to argue as I was trying to resolve this not fight and she said " NO '' and again hung up on me. I'm trying to resolve this and no one at either company seems interested in resolution. They are dismissive and careless and I'm beyond frustrated. I will always pay what I owe but XXXX has practiced negligent miscommunication resulting in collections and XXXX XXXX XXXX  is only meeting me with manipulative intimidation tactics rather than any desire to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 see that the inaccurate accounts are still appearing on my credit report, and they have not been removed as they should have been. I strongly request that the documents Ive submitted be carefully reviewed so I can finally have peace of mind about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-27 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:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NJ XXXX Date : [ XX/XX/XXXX Re : Formal Dispute and Demand for Investigation Under XXXX XXXX Code 1681b Lack of Written Consent To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry or furnishing of my consumer report information as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX date opened XX/XX/XXXX, balance {$290.00} ] obtained and/or was furnished my consumer information without my written authorization as required by law. According to 15 U.S. Code 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may furnish a consumer report only if the consumer has given written instructions or consent. 

I have never provided such written consent or authorization to [ XXXX XXXX XXXX to access or be provided with my consumer information. Therefore, this access was unauthorized and constitutes a violation of my rights under the FCRA. 

Requested Actions : XXXX. Immediately investigate this matter under your obligations as defined in 15 U.S. Code 1681i, which requires a reinvestigation of disputed information. 


XXXX. Provide me with : A copy of the written authorization that allegedly permits [ XXXX XXXX XXXX XXXX XXXX my credit file. 

The date and method of consent, including any records showing how it was obtained. 



XXXX. If you can not verify that such written authorization exists, remove this inquiry or related account from my credit file immediately. 


XXXX. Provide me with written confirmation of the results of your investigation within 30 days as required by law. 



Please consider this letter formal notice of dispute under federal law. Failure to comply with these provisions may result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ SSN : Last XXXX digit XXXX ] XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$5500.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00}

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 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, a XXXX  account was opened at Citi XXXX XXXX XXXX XXXX XXXXXXXX XXXX branch in XXXX XXXX with assistance from employees XXXX XXXX and XXXX XXXX. The account held approximately {$98000.00} USD and was active, with the last statement received in XX/XX/XXXX and regular Citi alerts confirming ongoing activity. 
In XX/XX/XXXX, XXXX XXXX emailed about the account being at risk of abandonment due to inactivity. A response was sent and a call was made to him to resolve it. He emailed back, vaguely stating he had " taken care of it '' without any explanation, details, or need for paperwork. In XX/XX/XXXX, he requested resubmission of a XXXX form for tax purposesthat was the final communication. 
Since then, the account has been totally inaccessiblelogins fail, balances can't be viewed, and funds can't be withdrawn. Multiple calls to Citi customer service via XXXX numbers resulted in claims that no record of the account exists. Recently, XXXX XXXX at the branch was contacted for help, but she was unhelpful and only referred to the same customer service line. Citi confirmed XXXX XXXX no longer works there but refuses to provide his information or allow speaking to a managerhe appears to have vanished. 
Suspicion is that XXXX XXXX committed embezzlement by diverting funds after accessing the account under the abandonment pretext. XXXX XXXX XXXX be complicit, and Citi is negligent in supervision and transparency. This has caused major hardship : the funds are urgently needed for medical bills related to an upcoming child delivery in the U.S., leading to financial strain. Evidence includes XXXX emails and Citi alerts.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info\n\nResponsibility\nIndividual\n\n\nTerms\XXXX  Months\n\n\nCompany sold\n-\n\n\nOriginal creditor\n-\n\n\nComments\nRedeemed repossession Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)\nThis information is being reported incorrect\nThe balance is current'

Company response to consumer: Closed with explanation