vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill legal obligations under the fair credit Act ( FCRA ) to conduct a reasonable reinvestigation under disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence two furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or it means the dispute account, as Experians in action, violates the federal law and my rights as a consumer.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Absolute Resolutions Corp.
State: VI

Complaint narrative:
I write to formally dispute an erroneous collection account reported on my credit file. The account, in the amount of {$5300.00}, was reported on XX/XX/year> and allegedly sold to XXXX XXXX. This report is inaccurate and in violation of federal law under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Right to Dispute Under FCRA ( 15 U.S.C. 1681i ) Under the FCRA, a consumer reporting agency must investigate and correct or delete any inaccurate or unverifiable information within 30 days of a dispute. If the furnisher can not verify the accuracy of the debt, it must notify the credit bureau to remove it.

- The debt does not belong to me.

- I have not received any verification from XXXX XXXX or any prior creditor.

- Therefore, the information is unverified and should be deleted immediately.

2. Debt Validation Rights under FDCPA ( 15 U.S.C. 1692g ) Under the FDCPA, I have the right to request validation of a debt within 30 days of first contact. The collector must cease collection efforts until proper validation is provided.

- I never received a written validation notice within 5 days of the initial contact. 
- XXXX XXXX is therefore in violation of FDCPA and must cease collection until validation is provided.

3. Obligations of Furnishers and Credit Agencies Furnishers are required to provide only accurate, current, and verifiable information to credit agencies ; negative items older than seven years must be removed.

- This collection is new ( XX/XX/year> ), yet is still unverified. 
- It is thus unlawful to continue reporting it under FCRA/Regulation V.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NAVY FEDERAL CREDIT UNION
State: VI

Complaint narrative:
I write to formally dispute an erroneous collection account reported on my credit file. The account, in the amount of {$5300.00}, was reported on XX/XX/year> and allegedly sold to XXXX XXXX. This report is inaccurate and in violation of federal law under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Right to Dispute Under FCRA ( 15 U.S.C. 1681i ) Under the FCRA, a consumer reporting agency must investigate and correct or delete any inaccurate or unverifiable information within 30 days of a dispute. If the furnisher can not verify the accuracy of the debt, it must notify the credit bureau to remove it. - The debt does not belong to me.

- I have not received any verification from XXXX XXXX or any prior creditor.

- Therefore, the information is unverified and should be deleted immediately.

2. Debt Validation Rights under FDCPA ( 15 U.S.C. 1692g ) Under the FDCPA, I have the right to request validation of a debt within 30 days of first contact. The collector must cease collection efforts until proper validation is provided.

- I never received a written validation notice within 5 days of the initial contact. 
- XXXX XXXX is therefore in violation of FDCPA and must cease collection until validation is provided.

3. Obligations of Furnishers and Credit Agencies Furnishers are required to provide only accurate, current, and verifiable information to credit agencies ; negative items older than seven years must be removed.

- This collection is new ( XX/XX/year> ), yet is still unverified.

- It is thus unlawful to continue reporting it under FCRA/Regulation V.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally dispute and file a complaint regarding the reporting of account # XXXX associated with BEST BUY/CBNA. This account was previously deleted from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, following a formal dispute. However, the account was unlawfully reinserted into my credit reports as of XX/XX/XXXX, without proper notice under FCRA 611 ( a ) ( 5 ) ( B ), which mandates that if a deleted item is reinserted, the furnisher and consumer must receive written notification within XXXX ( XXXX ) business days along with the name of the data furnisher. I never received such notice, making this reinsertion a clear violation of the Fair Credit Reporting Act. 

Additionally, this account is inaccurately reported with derogatory payment history, including XXXX days late in XXXX XXXX XXXX days late in XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX. At the time, this account was already closed, and no supporting documentation or billing statement has been provided to validate these delinquencies. Reporting post-closure late payments is both misleading and inconsistent with credit reporting industry guidelines and XXXX XXXX standards. Furthermore, I never received proper notification of adverse reporting nor was I given an opportunity to validate the alleged delinquencies.

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 2025-07-09 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 writing to formally dispute and request an immediate investigation into the handling of my personal credit information following the confirmed data breach involving Equifax, which I have verified through the official settlement site. 


XXXX XXXX Account number - XXXX - {$380.00} XXXX  XXXX Account number - XXXX - {$500.00} XXXX Account number - XXXX XXXX Account number - XXXX - {$980.00} XXXX XXXX XXXX Account number - XXXX - {$510.00} XXXX XXXX Account number - XXXX - {$1500.00} XXXX XXXX Account number XXXX - {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on my account that i paid on time. The consumer reporting agencies have need to report all information accurately. This account has not been late. I demand this payment be updated to paid on time immediately. It is against the law to report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to Paid Never Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed the presence of unauthorized and unfamiliar accounts. I have not applied for, nor have I ever used, any of the services associated with these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX XXXX put the money that they got from my credit card in their bank account, but I don't see this in my name, after further investigation they informed me that was in my cousin 's name, and he was able to be used. Learning that I inform Barclays bank That I will pay then because Jet blue refunded my money they have from my XXXX XXXX credit card. Barclays bank should know this and I'm requesting them to reduce the late charge, and I will be initiated paying, they waited too long to responde me and they justify XXXX XXXX action, that was very clear that they force me to take their credit card that was never active by me. They can arrangement payments, because I have my money from XXXX XXXX that was put in my cousin account with them not in my account. People should know the tricked for they use with the people to force them to take their credit card.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 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 2025-07-09 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: KS

Complaint narrative:
From all the credit reporting agencies I have asked to be provided with proof of dates of account statuses and original creditors that is listed as XXXX XXXX in my credit report or to remove the information. They disregarded each of my request. 

This account is listed as perfume credit. I have never had an personal debt with this origination. That description they give off the debt does not match anything i have had

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 2025-07-09 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: CA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under FCRA 1681i ( a ) and Texas Business & Commerce Code 20.06, credit reporting agencies are required to promptly investigate and correct disputed information upon notification. Federal law also requires credit agencies to provide proof of verification of how each item was investigated and deemed valid. Failure to remove or verify these inquiries violates obligations under set stature, concluding that Experian willingly accepts responsibility for continuous violations of my FCRA and CFPB consumer rights and therefore, in debt to me in the amount of {$1000.00} for each continued violation that is not properly investigated, verified and detailed organization contact information is not provided to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Under FCRA 1681i ( a ) and Texas Business & Commerce Code 20.06, credit reporting agencies are required to promptly investigate and correct disputed information upon notification. Federal law also requires credit agencies to provide proof of verification of how each item was investigated and deemed valid. Failure to remove or verify these inquiries violates obligations under set stature, concluding that Experian willingly accepts responsibility for continuous violations of my FCRA and CFPB consumer rights and therefore, in debt to me in the amount of {$1000.00} for each continued violation that is not properly investigated, verified and detailed organization contact information is not provided to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I am filing this complaint to request the deletion of an inaccurately and inconsistently reported account by XXXX XXXX XXXX violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. It appears twice on my credit report with conflicting payment history and status, as outlined below : Instance # XXXX 80 % of payments reported as on time No derogatory marks Marked as closed in good standing Instance # 2 Only 57 % of payments reported as on time Shows derogatory remark and multiple late payments Statuses reported as Unknown or missing key data fields This is the same account, yet the information being reported is not only inconsistent, but also misleading and incomplete violating the FCRAs requirements for data furnishers to report complete and accurate information ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ).

Due to this clear violation, I am not requesting correction. I am demanding that the account be permanently deleted from all credit reporting agencies for failure to comply with federal law.

Please investigate this matter immediately. I have attached evidence ( screenshots ) showing both conflicting 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 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am not the original owner, and this is damaging into my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
company could not show debt validation no contract with my orignal signature.

Company response to consumer: Closed with non-monetary relief