vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 2025-09-16 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: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 2025-09-16 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: LA

Complaint narrative:
This complaint is not a duplicate. It raises new statutory violations, new evidence, and new harm not addressed in earlier cases. 

1. 611 ( a ) ( 7 ) Method of Verification Violation Equifax has not provided the required Method of Verification. I specifically requested : The name, address, and phone number of each furnisher contacted. 

The method ( XXXX ) used to verify. 

Copies of all documents Equifax relied upon. 

This information was never supplied, making this a separate violation from my prior complaints. 

2. 605B Fraud Block Violation On XX/XX/year>, Equifax received my complete identity theft package ( FTC Report # XXXX, proof of identity, proof of address, and a signed non-ownership affidavit ). Under 605B ( c ) ( 2 ), fraudulent tradelines must be blocked within four ( 4 ) business days. Equifax failed to do so. This continuing violation is distinct from prior complaints. 

XXXX. XXXX Compliance Proves Sufficiency Another CRA ( XXXX ) has already honored the same FTC report by deleting the fraudulent accounts. Equifax is the outlier, which confirms my package is valid and sufficient. 

XXXX. New Harm Since XX/XX/year> Because of Equifaxs ongoing furnishing, I have suffered : Suppressed credit score. 

Denial of affordable housing ( urgent after my mothers passing ). 

Inflated debt-to-income ratio affecting USDA loan eligibility. 

Higher borrowing costs and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: 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 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND SPRING OAKS CAPITAL LLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-16 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: UT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Recreational Holdings Corp.
State: IN

Complaint narrative:
I call Iron Horse Funding LLC and requested a payoff amount letter on XX/XX/XXXX at XXXX XXXX. The representative agreed to send the form via email and stated the form would be delivered within 48 hours. I did not receive a form and called a second time on XX/XX/XXXX at XXXX XXXX  the Representative stated that he sent the request to his manager and would resend the request and will receive the pay off letter within 48 hours. I called once more today XX/XX/XXXX to request the payout form and the same representative told me that he was forwarding the request to his imediate supervisor to expidite the request and I will receive it via email today. This is very alarming a simple request and I already have refinancing in place to lower my interest rate. Please help! Iron Horse Funding LLC financed my XXXX XXXXXXXX XXXX XXXX My Loan # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally challenging the reporting of a late payment on my credit profile. I take my financial obligations seriously, and my payment record demonstrates a pattern of reliability and punctuality. The late payment entry in question is not consistent with the facts and therefore misrepresents my financial behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
XXXX XXXX {$11000.00} XX/XX/XXXX. In an accordance with the fair credit reporting act, the list of account ( s ) above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
XXXX XXXX {$11000.00} XX/XX/XXXX. In an accordance with the fair credit reporting act, the list of account ( s ) above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 2025-09-16 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:
Dispute Statement : I am disputing the reported charge-off on my account, as the debt has been fully paid off. Below are the details of the account and the actions that were taken : Account Opened : XX/XX/XXXX Charge-Off Date : The account was reported as charged off on or around XX/XX/XXXX. 
Charge-Off Amount : {$31000.00} Payment Made : I made a full payment of {$31000.00} on XX/XX/XXXX, which was more than enough to cover the charged-off amount. 

Despite the full payment being made, the account continues to show a charge-off status. Under the Fair Credit Reporting Act ( FCRA ), I believe the information being reported is inaccurate, as the debt has been settled and should be updated to reflect that. 
The charge-off status is misleading and does not accurately reflect the fact that the debt has been cleared. According to the FCRA, all information reported must be accurate and complete, and I request that the reporting be corrected to reflect the true status of the account. 

Request for Action : Update the Account Status : The account should be updated to show as paid in full and closed.

Remove the Charge-Off : Since the debt has been settled, the charge-off should be removed from my credit report.

Please update my credit report accordingly. If you need further information or documentation, I am happy to provide it. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: T.S. Holdings
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and/or incomplete information being reported on my credit file, and the failure of the furnisher and/or consumer reporting agency to properly investigate and correct the matter. 
On, I obtained a copy of my credit report from [ XXXX / XXXX  / XXXX  ], and I discovered inaccurate information being reported. Under the law, they were required to conduct a reasonable reinvestigation within 30 days.

However, to date, the inaccurate information remains on my credit file, and I have not received adequate documentation that a proper reinvestigation was conducted. I believe this constitutes a violation of the FCRA under : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct disputed information ; 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

I disputed the inaccurate information with the credit bureau. I sent a certified letter to the furnisher ( creditor ) requesting verification and correction.

I have kept all records of correspondence, which I am happy to provide upon request.

Resolution Requested : I am requesting that the CFPB investigate this matter and require the credit bureaus and the data furnisher to : Fully investigate and delete or correct the inaccurate item ( s ) ; Provide me with documentation supporting their investigation and the outcome ; Ensure compliance with all relevant provisions of the FCRA ; Remove any negative credit impact caused by the inaccurate reporting.

I appreciate your time and attention to this matter. Please feel free to contact me if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This CitiBank account is a joint account with my husband, XXXX XXXX. XXXX initiated a wire transfer of {$10000.00} via the CitiBank app roughly on the week of XX/XX/XXXX. The wire failed to go through and the account was blocked and closed a few days later. I called CitiBank 's phone support, then I was transferred to the Fraud Prevention number : XXXX ; I asked them to give me the reason on why the account was closed and if I could pick up a cashiers check at my local branch. They told me they could not disclose the reason and that a check would be sent out with the rest of the balance in 30-60 business days. XXXX XXXX called CitiBank 's Executive Response Unit ( ERU ) on XX/XX/XXXX and the customer agent told him that we would be able to expedite the check if we visited a branch. I then visited my local branch with my husband on XX/XX/XXXX and spoke with the branch manager. They called the ERU and fraud prevention number on our behalf and told us there was nothing we could do. Now, the phone agent said 40-60 days for the check. Our balance before the account was closed was roughly {$36000.00}. We need this money for an emergency as our mortgage payment and other bills were going out of this account and were sent back since it was blocked. CitiBank told us a letter would be sent in the mail on the reason why the account was closed ; The letter was not specific on why it was closed as shown in the file upload. We need these funds as soon as possible.

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