vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX To : American Express XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX No : XXXX Ref : XXXX Account Ending in XXXX Subject : Continued Dispute Under FCRA Request for Full Validation and Deletion Due to Incomplete and Unverified Reporting Dear XXXX XXXX, This letter serves as my formal response and continued dispute regarding the above-referenced account as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. While I appreciate your response dated XX/XX/XXXX, I must assert my rights as a consumer to dispute any item on my credit report that is inaccurate, incomplete, unverifiable, or misleading, as outlined in FCRA Section 611 ( 1681i ).

You stated that deletion is not possible due to the requirement to report " factual '' information. However, you failed to provide complete and verifiable documentation, such as : 1. A signed original contract or application for the account in question ; 2. A detailed payment history reflecting the alleged delinquency ; 3. A copy of the original Cardmember Agreement with my dated acknowledgment or acceptance ; 4. Proof that this debt was verified according to reasonable investigation standards, as required by law.

Without such supporting documentation, continued reporting constitutes a violation of my consumer rights. The mere assertion that I used or kept the card does not meet the FCRA burden of proof to justify continued negative reportingespecially when the item is disputed and contributing to financial hardship. 
Additional Key Points : FCRA 623 ( b ) requires data furnishers like American Express to conduct a proper and reasonable reinvestigation when a consumer disputes an account.

If you can not fully verify and substantiate the accuracy and ownership of this account, then the law requires that it be promptly corrected or deleted.

Continuing to report inaccurate or unverifiable information may also be considered willful noncompliance, subject to damages under FCRA 616. 
In light of the above, I am formally demanding that you : 1. Provide documented proof that this account is being reported 100 % accurately and was lawfully verified ; 2. Cease reporting this account until such proof is produced ; 3. Delete the account from all consumer credit reports if verification can not be completed. 
Please consider this a formal notice of dispute and a renewed request for validation. I request that you update your records to reflect that the account is in dispute and forward all verification or documentation within 30 days, as required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  -- [ Last XXXX digits XXXX ) XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I reviewed my credit report dated XX/XX/year>, and identified multiple accounts and a public record that are inaccurate, unverifiable, incomplete, or obsolete. I disputed these items because they are harming my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

For example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows an inflated balance and lacks verification from the original creditoXXXX XXXX XXXX XXXX 

A debt from XXXX XXXX XXXX is being reported without any proof of ownership, chain of title, or proper validation. 

My XXXX  XXXX bankruptcy is being reported by Experian based on third-party information ( XXXX ) and not directly from the courthouse, which violates FCRA Section XXXX ( b ). 

Several accounts, such as those from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and Affirm, are reporting inconsistent payment histories, obsolete derogatory marks, or incorrect balances. 

I submitted a formal dispute letter and requested an investigation into each item. I requested permanent deletion of any item that could not be fully verified with accurate and documented evidence. I also asked that the companies stop reporting disputed items during the investigation. 

Despite this, the accounts are still appearing on my report without correction or deletion, and I have not received proper documentation validating the debts. 

XXXX requesting that the credit bureau ( XXXX ) and the companies involved either fully verify these accounts with documented evidence or permanently delete them from my credit file, as required under 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 2025-06-20 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: NV

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, XXXX XXXX XXXX Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. XXXXXXXX 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 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 2025-06-20 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: NV

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, XXXX XXXX XXXX Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. XXXXXXXX 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 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 2025-06-20 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed items below that requires correction : 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 non-monetary relief
Consumer complaint received 2025-06-20 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed items below that requires correction : 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 non-monetary relief
Consumer complaint received 2025-06-20 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi credit card in XXXX  with a balance of approximately {$1500.00}. Since then, Ive consistently made monthly payments averaging {$50.00} {$55.00}. After nearly XXXX  years of payments totaling over {$4000.00}, my current balance is still over {$700.00}. 

Throughout this time, Ive been charged an interest rate of 29.99 %, along with multiple {$40.00} late fees and payment reversals. In most months, less than half of my payment went toward the principal. The majority of my payments were consumed by interest charges. 

I was never proactively offered hardship assistance, despite a clear long-term pattern of struggling to pay off the account. I believe Ive been subjected to predatory credit practicesCiti has made thousands in interest while the balance barely moved. 

I am requesting a complete audit of interest and fees applied to my account, retroactive application of hardship terms, and/or a forgiveness of the remaining balance due to excessive overcharging.

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Contemporary Information Corp
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, which has been reported by CIC ( The Power of Decision ). The eviction entry listed under my name is incorrect and should be removed immediately from my credit profile.

I have never been evicted from this or any other property, nor have I been involved in any legal proceedings resulting in a formal eviction. Therefore, the presence of this entry is not only damaging but also in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all data on a consumers credit report must be accurate and verifiable. 
I request that you immediately investigate this matter and provide documentation supporting the accuracy of the eviction record. If such documentation can not be produced, this entry must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to Experian serval times to let them know that I tried to get pre-approved from a home loan and no one could access my credit profile. They assured me that it was fixed serval times but I still can't access my information after serval verification steps I went through

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 2025-06-20 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: VA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX balanced {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-06-20 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/year>

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
Rented from XXXX XXXX paid rent ont one everyone month. Upon moving out returned deposit. Months later received bill for additional cost for electric, water and garbage which came out of deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Creditor never submitted the account payment to the bank in spite of payment being made. This was on the account of an error from the bank and not from the consumer. Bank removed late charges over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My identify was stolen XX/XX/XXXX. As part of this, I received fraudulent charges to my Wells Fargo checking account. The thief had deactivated my phone and enabled his, so he was able to receive my login confirmation codes, change passwords, and log into my financial institutions. Part of the fraudulent charges, were purchases to XXXX, some of which were ACH purchases. Despite closing my checking account and opening a new one, getting a new debit card, and placing a stop payment on all XXXX charges, the XXXX ACH transfers continued to the new checking account for the next few months, unbeknownst to me. This was a failure on Wells Fargos part. And because the fraudster used my phone number to buy himself XXXX, and presumably, pay for his monthly plan, Wells Fargo refuses to reimburse me for all of the charges, as they believe it was me making the purchases, because my phone number and checking account was used. But I dont and have never used XXXX XXXX Ive contacted XXXX and that was a dead end because I dont actually have an account with them. They wouldnt help me. You cant get ahold of a person. A local XXXX employee also tried to contact XXXX, with no success. I had filed a XXXX XXXX police report and did a report with the FTC, on XXXX. Wells Fargo refused to listen to me or give and credence to the whole identity theft case, despite my proof of my identity being stolen and will not reimburse me for all the fraudulent charges.

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