vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am writing to dispute incorrect information on my credit report regarding an account with XXXX. According to your records, this account shows late payments for XXXX, XXXX, and XX/XX/year> as 60, 90, and 120 days late. This information is inaccurate. 

Ive attached a copy of my XXXX credit report, which accurately reflects this account with late payments listed as only 30, 60, and 90 days late, with no record of a 120-day late status. 

Please investigate this discrepancy with the furnisher and update or remove the incorrect data from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting this inaccurate information be corrected or deleted. 
.

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 2025-05-21 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: PA

Complaint narrative:
I sent the first round on XX/XX/year>. 

2nd Round I am writing in response to your recent communication dated XXXX, XXXX XXXX which stated that the repossession information on my credit report has been verified. I respectfully disagree with this verification and and request a more detailed review based on the following concerns : Dispute Summary : Inadequate Documentation : The repossession information provided to you for verification was not supported by any documentation providing that the repossession complied with legal requirements. Specifically, I did not receive proper notice of default or repossession as required under the Fair Debt Collection Practices Act ( FDPCA ) and state repossession laws and Pennsylvania Statutes Title 12 Pa.C.S.A. Commerce and Trade 6254.This notice must be provided to the buyer after the holder has repossessed the vehicle, and it informs the buyer of their right to redeem the vehicle within a 15-day timeframe. Which did not occur and went against state laws thats provided above. 
Procedural Error As previously detailed in my initial dispute letter, there were procedural errors during the repossession process, including ( briefly mentioned specific errors, such as improper timing, lack of required notices, or failure to follow state-specific repossession procedures. ) The credit bureaus verification should have included a review of weather I expect a response to this dispute within ( responsible timeframe 30 days ) as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at ( your email address ) Thank you for your prompt attention to this matter, I look forward to your response and a resolution to the dispute.

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 2025-05-21 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-05-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN XXXX DOB XX/XX/year> Re : Notice of disputes I am writing to dispute to my credit. Thein error because I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my credit, and that I get an accurate account. 

accounts are enclosed ARE attached Sincerely,

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
I am filing this complaint to report a fraudulent judgment filed against me by Selip & Stylianou , LLP, acting on behalf of XXXX XXXX This judgment stems from an account I never opened, authorized, or benefited from. I am a victim of identity theft, and someone used my personal information without my consent to open this account, which led to civil case XXXX. Despite submitting multiple disputes and documentation proving the account is not mine, a legal action was wrongfully initiated and a judgment entered in my name. This is a serious violation of the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692e, it is illegal to use false, deceptive, or misleading representations in connection with debt collection. Pursuing a judgment against a victim of identity theft is the very definition of false representation. Additionally, 15 U.S.C. 1692f prohibits unfair or unconscionable methods to collect debts, including filing a lawsuit based on fraudulent data. It also violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from appearing on my credit report. Under 15 U.S.C. 1681b, no one may access or use my consumer report without a permissible purpose. Since this lawsuit was based on stolen identity, there was no valid reason to access or report my information. THIS DEBT IS NOT MINE. The account was fraudulently opened, and the judgment was obtained under false pretenses. I am demanding that this judgment be vacated immediately and removed from all public records, credit files, and databases. I am not legally responsible for this debt. I am asking the Consumer Financial Protection Bureau ( CFPB ) to take immediate action against Selip & Stylianou , LLP and XXXX XXXX for their willful noncompliance with federal consumer protection laws. This situation has caused me immense harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I recently received a new Indigo Mastercard issued by XXXX XXXX XXXX XXXX. I have not activated or used this card at all, neither for online nor in-store transactions. Despite this, I discovered that several unauthorized transactions were made using the card in New Jersey, while I reside in XXXX XXXX, Nevada and have never been to New Jersey. 

I reported the fraud to Indigo immediately. They acknowledged the issue but informed me it could take up to 60 days to complete their investigation. They have not issued a provisional credit and have offered no clear explanation for how this card could have been compromised before I even used it. 

This situation is extremely frustrating and unacceptable. Since Ive had XXXX interaction with the card before the fraudulent charges occurred, this suggests a potential internal compromise either during production, mailing, or within their system. I believe this issue should be resolved much faster, and I should not be penalized for something that clearly happened without any fault on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-05-21 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Im contacting you about an account showing on my credit report that I did not open or authorize. This is a case of fraudulent use of my identity, and I had absolutely no involvement with this account.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am disputing multiple inaccurate and inconsistent account entries on my credit report. I previously submitted disputes directly to the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but they failed to correct or verify the information. Several accounts still reflect conflicting or unverifiable data across Experian, Equifax, and TransUnion. 

Here are the discrepancies I've identified : Inconsistent balances and statuses ( e.g., one bureau reports an account as " charged off '' while another shows it " closed '' ).

Different delinquency dates, last activity dates, and payment histories for the same account. 

Missing or incomplete account information making it impossible to validate accuracy. 

Accounts marked open on one bureau and closed or charged off on another. 

Some of the accounts involved include : 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, etc. ) XXXX XXXX / XXXX Because the credit bureaus have failed to reasonably investigate or validate the accuracy of these items, I am requesting the CFPBs assistance to review these discrepancies and help ensure only accurate, consistent, and verifiable information remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX Request to remove accounts from Credit Consumers Dear XXXX XXXX I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : CITI BANK ACCOUNT # XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2025-05-21 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of 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 to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Transworld Systems Inc. and XXXX XXXX regarding inaccurate and misleading information being reported to XXXX XXXX XXXX in connection with a debt I previously settled. 

On XX/XX/year>XXXX I reached a settlement agreement with Transworld Systems Inc. for the account originally held by XXXX XXXX. The terms of the settlement were fulfilled, and the account was resolved accordingly. However, rather than updating the account to reflect the settlement or removing it entirely from my credit report, Transworld Systems Inc. and XXXX have : * Updated the account status to " charge-off '' * Reported an incorrect remaining balance, which does not reflect the settled status * Continued to report this inaccurate information to XXXX XXXX XXXX despite being notified of the error It is important to note that XXXXXXXXXXXX has correctly updated this account to reflect its settled status, demonstrating that XXXX XXXX XXXXs capable of reporting accurate information but is choosing not to do so with XXXX XXXX XXXX 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information report accurate and complete information. 

I am requesting the CFPB to investigate this matter and compel XXXX XXXX and Transworld Systems Inc. to : 1. Correct the account status with XXXX to reflect that the account was settled in full for less than the full balance, and 2. Update the balance to show {$0.00} or the correct settled balance, in accordance with the settlement terms. 

I have attached supporting documentation, including proof of settlement and credit report excerpts, for your review. 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation