vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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:
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
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
Recently, I did An investigation On my credit report and found several items on there to be an and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX system XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Regarding Original Complaint ID : XXXX Collection Agency : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Original Creditor : Citibank/ The Home Depot Account Number : XXXX Dear CFPB, I am writing to follow up on a previous complaint submitted against XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) regarding a collection account being reported on my credit file. I respectfully request that this complaint be reopened or escalated based on XXXX XXXXs non-compliance with the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and Fair Credit Reporting Act ( FCRA, 15 USC 1681 et seq. ).

I originally requested proper validation of the debt, as required under FDCPA 809 ( b ). In response, PRA failed to provide any of the following critical documentation : A copy of the signed original contract or agreement bearing my signature A full account history showing the charges and payments A bill of sale or chain of title demonstrating XXXX XXXXegal right to collect Any documentation clearly tying me to the alleged debt beyond basic identifiers Despite this, XXXX  continues to report this unvalidated debt to the credit reporting agencies, which is a violation of FCRA 623 ( b ) and FDCPA. The continued reporting of this unverifiable account is damaging my credit and constitutes a failure to perform a reasonable investigation and verification.

I am requesting that the CFPB require XXXX to : Cease all reporting of the unverifiable account to the consumer reporting agencies ( CRAs ) Delete the account from all CRAs ( Experian, Equifax, and TransUnion ) Provide written confirmation of deletion and cessation of collection activity Face appropriate corrective or enforcement action if found in violation I am attaching a copy of XXXX response and my original dispute for reference. Please let me know if additional documents or information are needed.

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 2025-04-17 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: UT

Complaint narrative:
Being charged an account maintenance fee in a closed account. The account is in good standing. I wasnt informed of this when I closed the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CO

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance & Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance & Past Due : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
Reprise Financial XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Payment Information Related to Repossession XXXX To Whom It May Concern, I am writing to formally dispute inaccurate payment information associated with a repossession reported by Reprise Financial on my credit report, under account number XXXX The payment history reported for this account contains errors. Specifically, the report inaccurately reflects missed/late payments, past due amounts, and incorrect balance, which does not match my records. Also, the loan type is being reported incorrectly as this was a personal loan, not an auto loan. I have enclosed documents showing that : Some payments were made on time, the current balance reported is inaccurate and the loan type is also inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated and deleted if the reporting party is unable to verify the accuracy of the information. 

Enclosed documents include : A copy of my credit report with the inaccurate entry highlighted Proof of payment history Please complete your investigation within the legally required timeframe and notify me in writing of the results. If the information can not be verified, I request that it be promptly removed from my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these 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 explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the above-referenced account. This item is being reported as a charge-off, and I believe this entry may be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As the furnisher of this data, you are required to ensure the accuracy of the information being reported.

Under this statute, I am requesting that you : Conduct a full investigation into this account and its reporting.

Provide documentation verifying the accuracy and completeness of the reported charge-off.

Cease reporting this item to the credit bureaus if it can not be verified under the FCRA.

If you are unable to provide proper validation or fail to respond within 30 days, you must remove this entry from my credit report immediately in compliance with federal law.

Please note that this is not a refusal to pay, but a notice sent in accordance with the FCRA. If the account is verified, I respectfully request all supporting documents, including a copy of any signed contract or account statements verifying the debt. 

I look forward to your prompt response within the timeframe required by law. 



XXXX XXXX account ending XXXX charge off on XX/XX/year> XXXX XXXX ending XXXX was charge and still reporting late payment monthly also pc XXXX and son charge off on XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the above-referenced account. This item is being reported as a charge-off, and I believe this entry may be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As the furnisher of this data, you are required to ensure the accuracy of the information being reported.

Under this statute, I am requesting that you : Conduct a full investigation into this account and its reporting.

Provide documentation verifying the accuracy and completeness of the reported charge-off.

Cease reporting this item to the credit bureaus if it can not be verified under the FCRA.

If you are unable to provide proper validation or fail to respond within 30 days, you must remove this entry from my credit report immediately in compliance with federal law.

Please note that this is not a refusal to pay, but a notice sent in accordance with the FCRA. If the account is verified, I respectfully request all supporting documents, including a copy of any signed contract or account statements verifying the debt. 

I look forward to your prompt response within the timeframe required by law. 



XXXX XXXX account ending XXXX charge off on XX/XX/year> XXXX XXXX ending XXXX was charge and still reporting late payment monthly also pc XXXX and son charge off on XX/XX/year> 2024

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 2025-04-17 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-17 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: CO

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collection ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 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: TN

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 pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX 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 explanation
Consumer complaint received 2025-04-17 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-17 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: GA

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
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I noticed that a XXXX late payment was reported on my XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX Account # XXXX * * * *, opened XX/XX/XXXX ) for XX/XX/XXXX. 

I wasnt aware that I had missed a payment. I didnt receive any proper notification, and I believed the account was current at the time. Ive always tried to stay on top of my payments, and I dont think this should stay on my report. 

Im attaching my ID, SSN, and proof of address for identity verification. 

Id really appreciate your help reviewing this and removing the late mark. 

Thank you for your time and assistance. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief