vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 respectfully request that you investigate the validity of the following accounts and ensure they comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding accurate reporting and deletion of unverified items. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$620.00} Dispute Reason : The reported balance of {$620.00} is inaccurate and does not match my records. I have provided evidence showing a different balance that should be reported. I request that Equifax verify the accuracy of the reported balance and payment history for this account. If this account can not be verified, I demand that it be completely deleted from my credit report.

FCRA Violations : FCRA 607 ( b ) : The report must reflect accurate data.

FCRA 611 : Discrepancies must be corrected or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My complaint is about Citibank although I believe its probably an industry wide problem with large banks. 

The basic problem is that Citibank is holding XXXX  XXXX  funds that were electronically sent to them, and not crediting the retirees accounts timely, I believe to make interest on all the money. The government is sending them. 

The current example is that XXXX  payments are due XX/XX/XXXX. Based on speaking with other XXXX  that already got their funds. I believe the government sent it by XX/XX/XXXX and Ive spoken to people who have credit unions who have credit their account on XX/XX/XXXX. 

Typically, the money would show in an account on the Friday before it was due if the first is on a Saturday or Sunday. This month the first is on Saturday so I would expect the money to be credited on Friday, XX/XX/XXXX.. 

My account was not credited, and when I called Citibank, after much going back-and-forth, they said their policy is that they will not credit my account until XX/XX/XXXX. I believe they are doing this XXXX  of XXXX, in order to get that five days interest on the huge amount of money that the government sends them. 

If they credited it on the first, they may have some sort of argument. However, with sophisticated computer systems and instant XXXX and account transactions, theres no technical or structural reason why the money can not be credited until the XXXX, it is simply to increase their profit through interest and charging overdraft and late fees on consumers accounts. 

This problem probably affects XXXX of XXXX  of XXXX. 

For this reason, Im not really interested in a resolution of this problem with Citibank for me personally this month, I would like you to start a nationwide investigation and take action against Citibank and any other bank that is holding XXXX  payments for no reason.

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 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: ID

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My I lost My XXXX twice once in XX/XX/year> and again in XX/XX/year> along with my ID, Wallet, and Pin information. Once I replaced my phone and redownloaded cashapp I became aware of multiple unauthorized transactions. Theyve refunded 1 of the unauthorized transactions but they are failing to respond or resolve this in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-10-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Reporting and Debt Collection Violations I am submitting this complaint because my credit reports contain multiple inaccurate, inconsistent, and obsolete accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors involve open, closed, charged-off, and collection accounts that are reported differently across the three major credit bureaus Experian, Equifax, and TransUnion causing substantial harm to my creditworthiness. 

For exampleXXXX XXXX XXXX  ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XX/XX/XXXX with Experian, 30 days late in XX/XX/XXXX with Equifax, and not reported at all with TransUnion. Likewise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has no late payments but different dates of last activity on each bureau. Several closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also contain conflicting delinquencies, dates, and statuses that violate FCRA 607 ( b ) ( requirement for accuracy ) and 623 ( a ) ( 2 ) ( duty to correct and update ). Some delinquencies particularly those dated between XXXX and XXXX were reported during the XXXX XXXX protection period, when creditors were required to report accounts in forbearance or accommodation as current. 

In addition, charge-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX display inaccurate or inconsistent Dates of First Delinquency ( DOFD ), which violates FCRA 605 ( a ) and 605 ( c ) regarding obsolete information and 623 ( a ) ( 5 ), which requires creditors to accurately report the DOFD to ensure proper removal within seven years. Some of these accounts show different charge-off progressions and payment histories across the three bureaus, indicating that the information can not be verified. 

Collection accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also appear inaccurate and unverifiable. Many lack complete payment histories, legal proof of ownership, or consistent dates of activity. Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt, including the original signed contract and proof of transfer. Reporting unverifiable debts without validation violates FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MS

Complaint narrative:
Experian has failed to to follow reasonable investigation procedures thus violating consumer rights as well as the FCRA and the Gramm-Leach-Bliley Act. Full detail is in the file submitted below

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 2025-10-31 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies is essential for my well-being.

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 2025-10-31 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: MN

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tx. XXXX XX/XX/XXXX DOB : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Removal of Unauthorized Inquiries. 

To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize.

The following companies made inquiries without my consent : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law.

Attached are my identification and proof of address.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.

I certify that I am the one conducting this dispute and NOT a third party. 
Sincerely, 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i have a XXXX XXXX XXXX with citi i was sending a XXXX a week through web bill pay but for what ever reason they stopped processing so i called them paid the bill of and under their advice stopped payment on all the checks and they said they would make sure i received no cahrges no i show i owe XXXX XXXX  i call them and they can give no reason just keep saying dont worry its ok but i show a payment due XXXX i need this fixed and these managers i speak to are no help.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
My fianc last XXXX into a better neighborhood and did not have the money to pay for furniture up front. We were talked into signing up for an Acima lease at a store called XXXX XXXX. Within the last year my fiance has lost her father and her job as an XXXX XXXX which has caused us significantly hardship. A couple of months ago I started receding multiple calls and text messages a day, usually harsh and threatening demanding that I pay this debt before they pursue legal action, and in one text message even stated No more games. The text messages and calls come from a company called the XXXX XXXX  even thought the lease was through a company called Acima. They have now started contacting family members asking for employment verification and references which feels very intrusive. I can only imagine what other customers are experiencing. They also seem to change numbers often they have even called from local numbers and are relentless in their pursuit for around {$1000.00}. Please help me as this is starting to interfere with my work as I frequently use my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
TransUnion : 1. Account : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  High Balance : {$10000.00} o Issue : The account is showing as closed, but I dispute the reported status. 
o FCRA Violation : Inaccurate reporting under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

2. Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX  High Balance : {$630.00} o Issue : The balance is reported incorrectly, which does not align with my records. 
o FCRA Violation : Reporting of inaccurate information under 1681e ( b ).

3. Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX High Balance : {$1800.00} o Issue : This account is being reported incorrectly with inaccurate payment history. 
o FCRA Violation : Failure to report accurate information under XXXX ( b ). 
4. Account : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  High Balance : {$220.00} o Issue : The account is inaccurately reported as a collection/chargeoff.

o FCRA Violation : Incorrect status reporting under 1681e ( b ).

Data Breach Concerns : I request that you investigate these accounts to ensure that none of them were opened fraudulently due to a data breach. If any of these accounts were opened as a result of fraudulent activity or identity theft, please immediately remove them from my credit report in accordance 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been unable to view my credit score for over a month. Despite multiple follow-ups with TransUnion, the issue continues to be escalated without resolution. I would greatly appreciate your assistance, as this ongoing problem is significantly affecting me. 

I suspect that my last name, which consists of a single letter, might be contributing to the issue.

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