vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Equifax Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made a cash deposit at a citibank branch outside atm located at XXXX XXXX XXXX at XXXX pm on XX/XX/year> for {$230.00}. The atm took the cash then suddenly gave me an error message and didnt return the cash nor did it credit my account. Upon going into the branch to let them know what happened they told me to call the customer service help line. Did so and have not gotten any type of resolution for this issue and I need my funds to pay bills. Please assist me with getting a resolution please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 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: 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 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 2025-10-03 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and damaging items currently appearing on my credit file. These entries violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and to promptly correct or delete any unverifiable or inaccurate information ( 15 U.S.C. 1681i ). 
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 Balance : {$0.00} Date Opened : XX/XX/year> these entries are inaccurate and do not reflect my true credit history. Because they are either obsolete, unverifiable, or incorrect, they must be removed from my credit report in compliance with the FCRA.

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 2025-10-03 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and damaging items currently appearing on my credit file. These entries violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and to promptly correct or delete any unverifiable or inaccurate information ( 15 U.S.C. 1681i ). 
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 Balance : {$0.00} Date Opened : XX/XX/year> these entries are inaccurate and do not reflect my true credit history. Because they are either obsolete, unverifiable, or incorrect, they must be removed from my credit report in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>, I placed an online order that included a fish valued at {$27.00}. When the shipment arrived on XX/XX/year>, the fish was missing. I contacted the seller immediately and after receiving no response to my XXXX emails and XXXX phone calls, I opened a dispute with citibank. 

Citibank asked for additional information which I submitted via email. This included my call log, emails to the seller, the invoice sent with the fish where someone crossed out the quantity to zero but still charged me for the fish, ect. I received no confirmation that it was received or reviewed, despite follow-up requests. Citibank ultimately denied my dispute, appearing to rely on the sellers inaccurate and irrelevant submissions while disregarding my evidence. 

The seller failed to provide proof that the missing fish was shipped. Instead, the seller submitted only an order slip, generic shipping/tracking information, and even details from a prior unrelated order that was never disputed. The shipping evidence submitted by the seller is also inaccurate : it lists the package as in transit XX/XX/XXXX at XXXX AM and delivered XX/XX/XXXX at XXXX AM, which is impossible. The actual XXXX tracking record shows the package shipped on XX/XX/XXXX and was delivered on XX/XX/XXXX at XXXX PM. This demonstrates that the sellers evidence is unreliable and does not prove fulfillment. 

I am only asking for a refund of {$27.00} for the one missing fish, not the entire order. The way this dispute was handled has been unprofessional, dismissive, and shows that Citibank is not protecting its customers. Other consumers should be aware that Citibank XXXX side with merchants even when the merchants evidence is inaccurate and the customer provides proof. This dispute has been handled in an unprofessional and unfair manner, forcing me to spend additional time and money on postage and resubmission. 

I am requesting that Citibank be required to reopen my dispute, properly review the evidence, and provide a written response.

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 2025-10-03 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: NC

Complaint narrative:
I am a victim of identity theft, and Equifax is reporting negative accounts that do not belong to me. I previously submitted disputes to Equifax and provided an official Identity Theft Report, proof of identity, and proof of address. Despite my clear evidence, Equifax has failed to remove the fraudulent accounts and continues to report inaccurate information. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires Equifax to block identity theftrelated information within XXXX business days of receiving an Identity Theft Report. XXXX failure to act has caused ongoing harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: AR

Complaint narrative:
I submitted formal disputes to all three major credit bureaus Experian, TransUnion, and Equifax regarding inaccurate and unauthorized information appearing on my credit reports. With Experian, I disputed several incorrect addresses ( XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX, XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), as well as an unauthorized and unverifiable collection account reported by XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). For TransUnion, I disputed the same inaccurate addresses along with a closed account from XXXX ( Account Ending XXXX ), which incorrectly reports late payments despite showing a {$0.00} balance and having been fully resolved. Reporting delinquencies on a XXXX-balance, closed account is misleading and potentially damaging to my creditworthiness, in violation of the FCRAs accuracy and reinvestigation requirements. With Equifax, I disputed an unauthorized hard inquiry from XXXX XXXX  dated XX/XX/year>, which was made without my knowledge, consent, or any permissible purpose as defined under FCRA 604 ( a ) ( 3 ) and 605B. Despite providing detailed explanations and supporting documentation for each of these disputes, none of the bureaus have conducted a proper or timely reinvestigation within the required 30-day period, and the inaccurate or unauthorized information remains on my credit reports, violating FCRA 611 and other related provisions.

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 2025-10-03 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: AR

Complaint narrative:
I submitted formal disputes to all three major credit bureaus Experian, TransUnion, and Equifax regarding inaccurate and unauthorized information appearing on my credit reports. With Experian, I disputed several incorrect addresses ( XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX, XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), as well as an unauthorized and unverifiable collection account reported by XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). For TransUnion, I disputed the same inaccurate addresses along with a closed account from XXXX ( Account Ending XXXX ), which incorrectly reports late payments despite showing a {$0.00} balance and having been fully resolved. Reporting delinquencies on a XXXX-balance, closed account is misleading and potentially damaging to my creditworthiness, in violation of the FCRAs accuracy and reinvestigation requirements. With Equifax, I disputed an unauthorized hard inquiry from XXXX XXXX  dated XX/XX/year>, which was made without my knowledge, consent, or any permissible purpose as defined under FCRA 604 ( a ) ( 3 ) and 605B. Despite providing detailed explanations and supporting documentation for each of these disputes, none of the bureaus have conducted a proper or timely reinvestigation within the required 30-day period, and the inaccurate or unauthorized information remains on my credit reports, violating FCRA 611 and other related provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: DC

Complaint narrative:
I contacted XXXX about to accounts that were in collections that were not mine. They agreed and sent me a letter of credit and agreed to contact the credit bureaus they reported to and the information removed. I just received an updated copy of my credit report and i still see these accounts listed.I need these accounts removed immediately. These accounts are currently still listed on transunion and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX The delinquency of {$310.00} stems directly from XXXX ' failure to address unauthorized charges. Here is the timeline : * On XX/XX/year>, I paid the statement balance in full and ceased using the card. 
* I immediately contacted XXXX customer support to have all recurring automatic charges from XXXX ( approximately {$40.00} per month ) removed, as they were unauthorized. 
* XXXX ' customer support clearly failed to stop these unauthorized charges, which then led to the account delinquency. 
The financial responsibility for these charges, which I explicitly reported as unauthorized, lies with XXXX for its failure to act. It is unacceptable that their inaction has now harmed my children 's credit. 
In summary, I expect XXXX to : 1. Remove my children as authorized users and clear their credit reports.

2. Correct the account delinquency that resulted from their failure to halt the unauthorized charges I reported. 

XXXX ' Own Policy on Authorized User Liability As clearly stated on XXXX ' own website : As a reminder, only the primary cardholder is financially responsible for any debt that was incurred on the account. Authorized users are not liable to repay the balance. ( See attached screenshot for verification ). 
We added our XXXX children as authorized users when they were teenagers. They have never been financially responsible for this account. Therefore, I demand that XXXX : * Immediately remove our children as authorized users from the account. 
* Immediately remove all delinquencies associated with this account from their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The car was repossessed, But the car was also sold, and it still left me a big balance with credit acceptance..

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 2025-10-03 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/2010 - Balance {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a complaint regarding inaccurate, outdated, or unverifiable items appearing on my credit report. Despite providing supporting documentation and referencing my rights under the Fair Credit Reporting Act ( FCRA ), the disputed items remain on my file with no meaningful reinvestigation, removal, or explanation. This continued reporting violates the standards of accuracy and fairness outlined in FCRA 602 ( A ). I have complied with all requirements by submitting a detailed dispute, yet the credit reporting agency has failed to ensure the information is verified or removed. This inaction is contributing to further harm to my credit standing and financial well-being. 
XXXX XXXX * * * * * * * * * * Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$510.00} XXXX XXXX XXXX * XXXX * * * * * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-03 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 previously submitted a complaint regarding inaccurate, outdated, or unverifiable items appearing on my credit report. Despite providing supporting documentation and referencing my rights under the Fair Credit Reporting Act ( FCRA ), the disputed items remain on my file with no meaningful reinvestigation, removal, or explanation. This continued reporting violates the standards of accuracy and fairness outlined in FCRA 602 ( A ). I have complied with all requirements by submitting a detailed dispute, yet the credit reporting agency has failed to ensure the information is verified or removed. This inaction is contributing to further harm to my credit standing and financial well-being. 
XXXX XXXX * * * * * * * * * * Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$510.00} XXXX XXXX XXXX * XXXX * * * * * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( XXXX ), account number XXXXXXXX XXXX XXXX XXXX XXXX, for {$450.00} allegedly owed to the XXXX XXXX XXXX XXXX, GA. I previously disputed this account as inaccurate and requested full validation. 
XXXX responded by sending me documentation from the XXXX XXXX XXXX XXXX regarding utility services, but they failed to provide proof of assignment or a contract establishing their legal right to collect or report this debt. They openly admitted they are a contracted third-party collector, not the City itself, and that the State of Georgia does not require a collection license. While this may or may not be true, the FDCPA requires that a debt collector provide full validation, not just a utility bill. 
Additionally, XXXX acknowledged that they currently report only to TransUnion. This selective, single-bureau reporting creates an incomplete and misleading credit profile. If this debt is legitimate, why is it not reported consistently to all three major credit bureaus? This practice raises concerns about compliance with the FCRAs requirement for maximum possible accuracy. 
Finally, my credit report reflects that I previously disputed this account, yet XXXX continues to report it as derogatory with the remark meets FCRA requirements without resolving the errors I identified.

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