vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting a fourth follow up complaint to formally demand the immediate removal of the inaccurate and unverifiable account XXXX XXXX XXXX XXXX XXXX from my Equifax and TransUnion credit reports. Despite my previous disputes, this account continues to be reported with a balance of {$6900.00} as a charge-off, even though no supporting documentation exists, including a 1099-C, in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Its continued presence on my reports is misleading, false, and harmful to my creditworthiness. 
The failure to remove this account after repeated disputes demonstrates a clear violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), as neither bureau has conducted a proper reinvestigation to verify the accuracy of this information. It also violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as the furnisher has provided unverifiable information, which should not continue to appear on my credit reports in any form. The charge-off status and reported balance are unsubstantiated and continue to create a false impression of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX, XXXX 30 Days XXXX XXXX  XXXX Balance : {$0.00} Open date XXXX XXXX, XXXX Last activity XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date XXXX XXXX Balance : {$5800.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Account Delinquent 180 Days Past Due Date

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 2025-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed several disputes with these companies due to the fraudulent information being reported in my credit report. The most recent disputes being filed on XX/XX/year>. I have requested they supply me with the following information when they claim they have " verified " the information. I have asked for a complete payment history, a signed and executed agreement, a full chain of title or assignment, verification data files, as well as supporting documentation and i have never been supplied with any of the above. 
They keep refusing to remove this fraudulent information from my credit profiles and it is illegal for them to do so.

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 2025-12-16 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:
I have filed several disputes with these companies due to the fraudulent information being reported in my credit report. The most recent disputes being filed on XX/XX/year>. I have requested they supply me with the following information when they claim they have " verified " the information. I have asked for a complete payment history, a signed and executed agreement, a full chain of title or assignment, verification data files, as well as supporting documentation and i have never been supplied with any of the above. 
They keep refusing to remove this fraudulent information from my credit profiles and it is illegal for them to do so.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-16 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: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Home Depot credit card issued by Citi Retail Services with a XXXX deferred interest promotion. I made payments throughout the promotional period and attempted to pay off the remaining balance near the expiration date. 

I contacted Citi and asked for an opportunity to complete the payoff. I explained that I was only a few days past the promotional deadline and requested a brief grace period so I could pay the remaining balance in full. Citi refused to allow any accommodation or extension.

During this period, many consumers, including myself, were still recovering financially due to the XXXX XXXX  and the broader economic impact that followed. Despite these challenges, I maintained a good credit score and made consistent efforts to stay current. I even asked family members to help me make the final payoff once I realized the deadline had passed. 

Citi declined to consider these circumstances or my payment history. As a result, all accrued deferred interest was added at once, increasing my balance from approximately {$3000.00} to over {$7000.00}. 

I believe this handling was unfair and unreasonable given my good-faith efforts, minimal delay of only a few days, and strong credit history. The deferred interest terms and the lack of any grace period were not clearly explained to me in a way that highlighted the severe financial impact. 

I am requesting a formal review of this account, including a complete itemized breakdown of the deferred interest charges and consideration for a retroactive interest adjustment, hardship accommodation, or other equitable relief.

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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/year>, I was a victim of identity theft. The thief broke into my mailbox and stole my physical driver 's license. They proceeded to open a XXXX  of credit cards, bank accounts, stole XXXX cars, etc. When I learned this happened, I took quick action and proceeded to call and shut down every bank account and credit card that was opened fraudulently under my name. 
One such company was Gap Barclays. Originally, they had closed my fraudulent account, however a few months later, I learned they reopened my account without telling me because they started sending me bills again. I've called fraud, dispute, and investigation departments multiple times and have done what they asked for, sending documentation ( FTC report, Police Report, etc. ) To all of their departments multiple times. 6 months later.... and Barclays is still fighting the case, telling me that " their investigation was found accurate '' without actually telling me what they investigated. They routinely spam me with debt collection calls, but when I actually pick up the calls, it immediately hangs up. Of the dozen of companies I had called, I've never experienced one that fought me so hard on a fraudulent claim. My credit score has dropped XXXX points because of Barclays refusal to work with me. I'm extremely frustrated that this situation has taken so long and Barclays is literally ruining my life.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
XXXX was taken from my account on XX/XX/XXXX due to fraud! I've sent screenshots showing that the company pretended to be another company called XXXX that I was applying to sell merchandise on and an email was sent stating that I needed to verify myself before proceeding. I did as it said and they took my money.They had a system that came up asking me to put in my card for withdrawal which I've done on other sites and a push notification came through which I gave to them because they also said I needed over XXXX XXXX in my bank account in order to proceed which I did verify I had over that and they also stated it was only for verification!! The screenshots show where I told the scammer to give me my money just to find out it was actually a bot and the message kept saying once I put over XXXX XXXX back in my account it will be refunded! I've also sent Chime screenshots of the conversation and I sent them proof of the real XXXX vs The scam email and they keep denying my dispute! The link doesn't even work anymore which I showed them that also! I also showed them where it shows I was added as an authorized representative from the same email on square and I did not authorize that either!! The emails they sent does not explain how they came up with their decision! It only shows me what I sent to them and the questionnaire they ask before filing the dispute! Chime is obviously doesn't see anything wrong with allowing scammers to take people money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am writing to formally dispute an erroneous report regarding my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ), which has been inaccurately reflected on my credit report. Specifically, the account shows a " XXXX XXXX '' status with a XXXX late payment entry for XX/XX/XXXX. This report is fundamentally incorrect, as I have consistently made all payments on time and have no record of a missed or late payment for the period in question. It is important to note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information in my credit report, and I request that the bureau immediately initiate a reinvestigation into this account. The incorrect XXXX late status not only violates my rights under the FCRA, but it also poses a significant negative impact on my credit score and financial reputation, potentially affecting my future ability to secure credit, loans, or favorable interest rates. 
In addition, the " Last Payment Date '' listed as XX/XX/XXXX, is clearly a clerical error. There is no such payment made or planned for that date, and this error appears to stem from a system glitch or misreporting by the creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to report accurate information and refrain from making false or misleading statements regarding payment history. The reporting of a future payment date that does not exist is both misleading and unlawful, creating confusion and unnecessary harm to my creditworthiness. Furthermore, this inaccuracy suggests potential mismanagement of account records, and I ask that the credit bureau promptly correct the information and provide confirmation of any adjustments to the payment history in question. 
Lastly, the balance on this account is listed as {$90.00}, which does not correspond to my understanding of the amount owed. I have thoroughly reviewed my financial records and payment history for this account and have found no justification for the reported balance. As per Section 609 of the FCRA, I am entitled to request that any information on my credit report that is inaccurate or incomplete be corrected. This discrepancy regarding the balance, coupled with the false late payment reporting, further highlights the need for a full and accurate investigation into the account. I request that the credit bureau verify the reported balance, provide evidence supporting this figure, and, if found to be incorrect, update my credit report to reflect the accurate amount owed. If there is no supporting documentation for this balance, I ask that it be corrected from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am writing to formally dispute an erroneous report regarding my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ), which has been inaccurately reflected on my credit report. Specifically, the account shows a " XXXX XXXX '' status with a XXXX late payment entry for XX/XX/XXXX. This report is fundamentally incorrect, as I have consistently made all payments on time and have no record of a missed or late payment for the period in question. It is important to note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information in my credit report, and I request that the bureau immediately initiate a reinvestigation into this account. The incorrect XXXX late status not only violates my rights under the FCRA, but it also poses a significant negative impact on my credit score and financial reputation, potentially affecting my future ability to secure credit, loans, or favorable interest rates. 
In addition, the " Last Payment Date '' listed as XX/XX/XXXX, is clearly a clerical error. There is no such payment made or planned for that date, and this error appears to stem from a system glitch or misreporting by the creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to report accurate information and refrain from making false or misleading statements regarding payment history. The reporting of a future payment date that does not exist is both misleading and unlawful, creating confusion and unnecessary harm to my creditworthiness. Furthermore, this inaccuracy suggests potential mismanagement of account records, and I ask that the credit bureau promptly correct the information and provide confirmation of any adjustments to the payment history in question. 
Lastly, the balance on this account is listed as {$90.00}, which does not correspond to my understanding of the amount owed. I have thoroughly reviewed my financial records and payment history for this account and have found no justification for the reported balance. As per Section 609 of the FCRA, I am entitled to request that any information on my credit report that is inaccurate or incomplete be corrected. This discrepancy regarding the balance, coupled with the false late payment reporting, further highlights the need for a full and accurate investigation into the account. I request that the credit bureau verify the reported balance, provide evidence supporting this figure, and, if found to be incorrect, update my credit report to reflect the accurate amount owed. If there is no supporting documentation for this balance, I ask that it be corrected from my credit file.

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 2025-12-16 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief