vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I deposit a {$500.00} money order from western union paid on the local store in XXXX XXXX, CA. A friend of mine reposted to my XXXX checking account. The bank paid me in full and the follow week I received a letter from my bank saying that the check was return by western union in the amour of {$500.00}. And my account if overdrawn. 
I called western union several times to solve the issue they said the check was paid in full.

Im so frustrated I tried different ways and theres nothing I can do. I believe its a scam from western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
XXXX XXXX on XX/XX/22 I've asked for my loan to be removed because it's been over 7 years and they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Collection Account on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my Equifax credit report. The account in question is reported by XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number. 
I am requesting that this item be investigated and either verified or removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this account is inaccurate because the debt does not belong to me. 
Please conduct a thorough investigation and remove or correct this account if it is found to be in error. Please enclose copies of documentation that the account is mine to support the collection report from XXXX XXXX XXXX XXXX. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. Once the investigation is complete, please send me an updated copy of my credit report reflecting the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : are a list any documents such as a copy of my W-2 and Utility bill for proof of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account from XXXX XXXX ( Acct # : XXXX ) was charged off in XX/XX/2023. However, the payment history has been updated recently to reflect XXXX, XXXX, and XXXX  days late in the months prior to the charge-off, when previously these months were reported as XXXX. This appears to be retroactive and inaccurate reporting. 

Changing payment history after the fact without proper documentation manipulates the accounts timeline and unfairly impacts my credit score. 

This constitutes a retroactive modification of my payment history, which is not only misleading but potentially violates the FCRA ( Section 607 ( b ) ), as the new late payment entries : Were not present in the original report Have not been verified with proper documentation Appear to re-age the account and exaggerate delinquency Equifax responded by marking the account as closed but failed to delete the tradeline, even though the continued monthly updates post-charge-off are a violation of the FCRA. Experian is still reporting it as an active charge-off with monthly updates, and TransUnion still shows its closed. I am requesting the full deletion of this account from all three bureaus due to improper reporting practices

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 2025-07-23 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 a verified XXXX  of XXXX  XXXX  and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my XXXX form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take 25 to 30 days to " investigate. '' This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. Equifax 's failure to properly process my trafficking-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

This also violates Hipaa law as well.

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 2025-07-23 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-23 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing charges made to my CitiBank Best Buy Account on XX/XX/year>. I was attending a XXXX  dinner for my job on XX/XX/year>, as soon I as got home I checked my email and saw charges made on my Best Buy account that were fraud. I immediately that night on XX/XX/XXXX contacted Citibank to report the charges. The XXXX charges were for digital purchases. XXXX charge was for {$100.00} and the second charge was for {$150.00}, totaling {$250.00}. A case was opened with the Best Buy/Citibank fraud department . Since then, Ctitbanks fraud department has sent me a letter that their investigation was complete and that I am responsible for the charges. I have been spending months fighting and disputing this. They keep stating that since my email was used it is my responsibility to pay, However my email account, gmail was hacked. I received hundreds of emails on XX/XX/XXXX from all different companies with attempted charges and security code requests. I have stated this several times to Best Buy/Citibank with no help or resolutions on their end. I am a responsible individual and work in XXXX, my credit is in good standing with all my accounts and I do not want this fraud to affect my credit. I am now getting calls from Citibank, interest fees and late fees added to this fraud activity.

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 monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-07-23 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-07-23 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: LA

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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been receiving several calls from this company called Credence resource management LLC that I am owing XXXX XXXX of the amount of {$250.00}. I mmediately I told them I am owing XXXX XXXX any money that I would like the contract that I signed with them and they refused to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: HI

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
* * 15 U.S.C. 1637 ( b ) Statement Requirements * * Under TILA, this section requires that billing statements be accurate, clear, and sent in a timely manner. Any failure to properly communicate due dates or payment processing timeframes that 3. * * 15 U.S.C. 1681s-2 ( a ) ( 7 ) Duty to Communicate Accurate Information This section of the FCRA places a legal obligation on furnishers of information to credit reporting agencies to * * not report information they know or have reasonable cause to believe is inaccurate * *. It also obliges them to * * update and correct * * previously reported information that turns out to be incorrect. If inaccurate late payments are being reportedand particularly if I have notified them of the disputethis becomes a direct violation of 1681s-2. 
I am therefore requesting that the * * CFPB conduct a formal investigation * * into the reporting practices of these credit bureaus and compel them to : * * * Immediately remove * * any and all late payments that do not conform to the aforementioned federal statutes; * * * Review their internal data verification processes * * for compliance with FCRA and TILA requirements; * * * Implement safeguards * * to prevent systemic misreporting that harms consumers. 
I deeply appreciate the role the CFPB plays in protecting consumers and restoring faith in the credit reporting system

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 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing to formally dispute the validity and accuracy of the debt listed under the reference number XXXX, allegedly owed to XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide a complete and detailed itemization of the debt. 

Your letter dated XX/XX/XXXX, states that the original balance as of XX/XX/XXXX, was {$5600.00}, and that the current balance is {$150.00}. The significant reduction in the balance raises questions, and I do not recognize or agree with the amount claimed. 

Please provide the following : A complete itemized statement showing all charges, payments, adjustments, and how the current balance of {$150.00} was calculated. 

A copy of the original billing statement ( XXXX ) from XXXX XXXX XXXX XXXX XXXX. 

Documentation showing I am legally responsible for this debt. 

The date and nature of the XXXX XXXX that led to the alleged charges. 

Until this information is provided and the debt is validated, I request that all collection activities cease. Also, if you are reporting this account to any credit bureaus, note that this is a disputed debt. 

I expect your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
b'I solemnly affirm Under the risk of egal consequences that i am making an allegation against an individual or a company. According to this claim they \nutilized my social security number and card along with other personal identifying information without my consent to apply for goods services or  \nsucceeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the  \nmatter is currently under investigation by the FTC Unauthorized Action. 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a verified XXXX  of XXXX  XXXX  and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my XXXX form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take 25 to 30 days to " investigate. '' This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. Equifax 's failure to properly process my trafficking-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

This also violates Hipaa law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
This debt collector has engaged in unjustifiable practices in violation of the FDCPA, which it is prohibited from doing. They furnished this account that I did not agree to, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow up with the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX XXXX 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, Balance : {$1100.00} XXXX XXXX XXXX XXXX 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, Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$1000.00} 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, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief