vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc.
State: CT

Complaint narrative:
I was requested a background check search through Sterling with the company XXXX XXXX  XXXX as I completed my background check on XX/XX/XXXX. I made a phone call on XX/XX/XXXX in regards to any updates and I received an email stating it would be expected to be completed on XX/XX/XXXX. I was also notified that information was shared to XXXX XXXX  XXXX. It ended up being delayed to XX/XX/XXXX then the XXXX, I then called XXXX again asking for reason for delay and I wounded up requesting a supervisor for reasoning due to the representatives not giving clear answer. The supervisor on call told me that it will be expedited and prioritized and that there will be no more further delays. That was untrue as it was delayed to the XXXX of XXXX. I was told yet again that it will be settled by the XXXX and once again it was pushed to XX/XX/XXXX. I spoke with them on the XXXX of XXXX asking for reason for the delay and they tell me that theyre awaiting information from XXXX XXXX XXXX I called XXXX XXXX on the XXXX of XXXX and I was told that Sterling can contact them to confirm information and I notified Sterling that day. Today they are repeating the same information if they will escalate it and expedite it. They have already costed me a job opening at XXXX XXXX  XXXX and I fear it will continue to damage my chances at another opening within the company. I request that this matter to be reviewed and appropriate action taken. If documentation is needed, I can provide. Thank you for you help

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-11-04 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: NY

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 2025-11-04 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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: PA

Complaint narrative:
I am disputing the following charged-off accounts with Equifax, as I believe there are discrepancies in the reporting or handling of these items : XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX  XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payments : Equifax : XXXX am disputing the following late payments reported by Equifax, as I believe they are either incorrect or inaccurately reported : XXXX  - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citibank offers " flex '' payments on larger purchases. I did this with XXXX purchase, and the company will not allow me to pay it off without paying off the second flex payment purchase I made along with my entire balance. 

It is my money, my account, my charges... and I can not allocate the payments the way I want to allocate them. They are absolutely refusing to allow me to pay off the flex pay account, and I am appalled. This should not be legal.

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: CA

Complaint narrative:
Please evaluate this entry it came through late and might be mistaken.

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: WA

Complaint narrative:
These are unrelated accounts ; take them off within XXXX XXXX in accordance with USC 1681g.

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: CO

Complaint narrative:
I am disputing the following account information on my credit report : CHARGED OFF ACCOUNTS : No charged-off accounts are currently listed for Equifax. 
Please verify if any charged-off accounts have been inaccurately reported on my Equifax report XXXX 

INQUIRIES : XXXX, Date Open : XX/XX/year> I dispute this inquiry and request verification that it is valid and has been properly authorized. If the inquiry is found to be inaccurate or unauthorized, it should be removed from my credit report.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am submitting this formal complaint and request for investigation regarding an inaccurate and unverifiable account that is being reported on my credit file by Credit Collection Services ( CCS ), I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is inaccurate, incomplete, and can not be verified, and therefore should not be appearing on my credit report.

I have previously requested validation of this alleged debt from CCS, but they have failed to provide any documentation proving that I owe this balance or that proper notice was given. According to 15 U.S.C. 1692g, debt collectors must provide verification of a debt upon request before any further collection or credit reporting activity. Because no verification has been provided, the continued reporting of this account violates both the FCRA and FDCPA. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am disputing the accuracy of this account and requesting that the CFPB investigate this matter. Credit Collection Services, as a data furnisher, is legally required under FCRA 623 ( b ) to investigate disputed information and to correct or delete any data that can not be verified. Since this account can not be substantiated, I am requesting its immediate removal from all credit reporting agencies, including XXXX XXXX XXXX XXXX 
Furthermore, continued reporting of this unverified item may constitute willful noncompliance under 15 U.S.C. 1681n and could be considered an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, 12 U.S.C. 5531. 
I respectfully request that the CFPB : Investigate this matter thoroughly with Credit Collection Services and XXXX XXXX. 
Require the removal of this unverifiable and inaccurate item from my credit reports. 
Provide me with written confirmation once the investigation is completed and the correction is made. 
I am enclosing copies of the following for your reference : A copy of my government-issued identification A recent credit report highlighting the disputed account Any supporting documentation related to this matter I appreciate your prompt attention to this issue. I am exercising my full rights under the FCRA and FDCPA, and I look forward to confirmation that this inaccurate account has been deleted to restore the accuracy of my credit file. 
Thank you for your time and assistance.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed a credit dispute to Equifax on XX/XX/year>, regarding a collection account reported by XXXX XXXX, XXXX. The account contained several factual inaccuracies, including listing XXXX XXXX as the Original Creditor, an incorrect Date Opened of XX/XX/year>, and an inflated balance compared to the original amount owed to XXXX. 
It has been more than XXXX XXXX since XXXX  received my dispute, and I have not received any mailed results or updates, which is required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 6 ) ( A ). XXXX failure to complete or respond to my dispute within XXXX XXXX violates federal law. 
I am requesting that the inaccurate XXXX XXXX tradeline be permanently deleted from my credit report and that XXXX  confirm the deletion in writing.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Acima leasing had a lot interest that I didnt understand in the paperwork. They are charging me XXXX the price of items I bought. I cant afford it.

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: NY

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$690.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$370.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$860.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$860.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$810.00} XXXX  XXXX, XX/XX/XXXX, {$630.00} XXXX, XXXX, XX/XX/XXXX, {$680.00} Inquiries : XXXX XX/XX/XXXX Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXX, XXXX XXXX  XXXX, XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a single unauthorized inquiry on my credit report that I do not recognize or approve of. I never applied for credit with this company nor gave consent for them to access my personal information. I have already contacted Equifax, and a representative assured me that this inquiry would be deleted, yet it still remains on my report. This ongoing issue is frustrating and stressful, as it raises serious concerns about the security of my personal information and the handling of my previous disputes.

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: 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my third request. This company is actively trying to avoid any action. See case XXXX Again the request : XXXX. XXXX  will place a credit freeze on my account. 
XXXX. XXXX will NOT require any information to be physically mailed. 
XXXX. XXXX  may receive the information they require over the phone. 
XXXX. XXXX may receive the information they require by providing an online portal similar to XXXX, Equifax, and XXXX. 
XXXX. XXXX may receive the information they require through any secure online transfer service. 

The last response from the company was : " Your complaint appears to be related to XXXX XXXX method of verification. We regret that you had difficulty using a product that could assist you. At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you may call 1-888-EQUIFAX ( 888-378-4329 ), or send an email to complaint.inquiries@equifax.com. You may also visit www.myequifax.com. " I called the number and no one was able to do anything with XXXX  accounts. Equifax, the owner of XXXX, is not allowing credit freezes to be placed by phone or web, and requires the insecure physical mailing of social security cards.

Company response to consumer: Closed with explanation