vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$800.00} Status : Open Nature of Dispute : No verified contract, no wet-ink signature, and no full accounting provided. Metro 2 format not followed for open derogatory tradeline.

JPMCB Card Date Opened : XX/XX/XXXX Balance : {$5100.00} Status : Open Nature of Dispute : Late payments reported without proper validation or consumer acknowledgment of debt. Not compliant with Metro 2 guidelines.

SYNCB/Care Credit Date Opened : XX/XX/XXXX Balance : {$710.00} ( Past Due : {$98.00} as of XX/XX/XXXX ) Status : Open Nature of Dispute : Inaccurate reporting of delinquency. Past due reflected without lawful notice or right to cure. Violates FCRA 607 ( b ). 

XXXX XXXX  XXXX Credit Date Opened : XX/XX/XXXX Balance : {$440.00} ( Past Due : {$66.00} ) Status : Open Nature of Dispute : Reporting errors and failure to provide full documentation under 15 USC 1692g and Metro 2 Compliance standards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
15 U.S. Code 1681a ( 4 ) Consumer Rights to privacy. US Bankruptcy reporting on 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
15 U.S. Code 1681a ( 4 ) Consumer Rights to privacy. US Bankruptcy reporting on 3 credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, 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 Transunion 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 Transunion inaction violates federal law and my rights as an consumer. 

XXXX reported XX/XX/year> XXXX reported XX/XX/year> XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove the accounts listed from my credit report. 

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am sending notices to my creditors that I no longer am able to pay on the massive credit card debts that have accumulated over the past several years. I request a cease and desist on all phone calls to my cell phone, and that all communications be sent to my home address only. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX 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 2025-07-23 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: GA

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 XXXX XXXX XXXX. 

XXXX, NA - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 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 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 XXXX 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 explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXXXXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXXn\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXXn\nTXXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXXn\nXXXX XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX 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 2025-07-23 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:
I am disputing a XXXX late payment reported on the XXXX ( XXXX XXXX ) account ending in XXXX. The late payment appears for XX/XX/year> on TransUnion and Experian, while Equifax shows the account as fully current. 

I made my payment on time and have no record of a delinquency. I submitted a dispute with supporting documents to the credit bureaus under my rights in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), the bureaus and the creditor are required to verify the accuracy of the reported information. If the payment can not be verified with certified documentation, the late mark must be removed. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure that all reported data is accurate and consistent yet this account shows conflicting status across bureaus. 

I request that the late payment be removed from my report unless the creditor can prove its accuracy with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have included letters to support all of my claims, all letters should be sent to all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
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 2025-07-23 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Urgent Consumer Complaint Regarding Citibanks Failure to Protect Account from Wire Fraud To Whom It May Concern, I am writing to formally file a complaint against Citibank regarding a serious case of wire fraud that resulted in the unauthorized transfer of funds from my account to an unknown third party. Despite multiple attempts to resolve the issue directly with Citibankincluding submitting a police report and supporting documentationI received two denial letters stating that I lacked sufficient proof, even though the transaction clearly involved a recipient I do not know. 

Citibanks handling of this matter demonstrates a troubling lack of consumer protection, accountability, and transparency. Their refusal to take responsibility or investigate thoroughly has left me financially harmed and emotionally distressed. 

The details of the unauthorized transaction are as follows : My Bank Name : Citibank Account Type : Personal Checking Account Transaction Date : XX/XX/year> Amount Transferred : {$47000.00} Receiving Bank : XXXX XXXX XXXX # : XXXX Recipient Name : XXXX XXXX XXXX ( This person is unknown to me ) Recipient Account : XXXX I believe Citibank has failed to meet its obligations under consumer protection laws and banking regulations. I am requesting that your agency investigate this matter and hold Citibank accountable for its failure to protect my account and respond appropriately to a clear case of fraud. 

Thank you for your attention to this urgent matter. 

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 explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I previously disputed an inaccurate late payment on my student loan account that was marked as XXXX days late in XX/XX/year>. However, there was no payment history reported for the XXXX months prior to that date, which makes the delinquency status unsupported and inaccurate. 

After my dispute, Experian and Equifax both removed the late payment from my credit report and updated the account accordingly. However, TransUnion is still reporting the incorrect delinquency, which is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], credit reporting agencies must ensure information is accurate and complete. Reporting a 90119 day late payment without any data showing missed payments for the prior months is a violation of that requirement. 

I am requesting that TransUnion update or remove the inaccurate late payment from my report, in line with what has already been corrected by Experian and Equifax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am filing this formal complaint against Equifax and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by reporting a collection account in the amount of {$850.00} that remains inaccurate, unverifiable, and materially misleading.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I submitted a proper consumer dispute to Equifax regarding this tradeline. Equifax was obligated to conduct a reasonable investigation and remove the account unless XXXX provided verified, accurate, and complete documentation supporting the debts validity. Neither Equifax nor XXXX provided the method of verification nor the documentation required under the statute. 

The continued reporting of this alleged debt by Equifaxwithout adequate investigation or verificationconstitutes a willful violation of the FCRA under 15 U.S.C. 1681n, and potentially a negligent violation under 1681o, both of which provide for statutory and actual damages.

Additionally, XXXX XXXX  has a demonstrable pattern of behavior violating the FDCPA and FCRA. Courts, including in cases like Reygadas v. DNF Associates, LLC, No. 4:19-cv-00156 ( E.D. Mo. 2020 ), have confirmed the obligations of debt buyers to comply with FDCPA and FCRA when furnishing consumer data to CRAs.

I am requesting that this account be permanently deleted from my Equifax file, and that the CFPB investigate this matter further for willful noncompliance and procedural abuse by both Equifax and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
This letter is a formal request for validation of the alleged debt that you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this account and require full and proper documentation before any further action is taken.

Additionally, I am invoking my rights under Section 805 ( c ) of the FDCPA to demand that you CEASE AND DESIST from all further communication with me and with any credit reporting agencies XXXX XXXX XXXX XXXX and any affiliates ) regarding this alleged debt. This includes all phone calls, letters, emails, credit report entries, and third-party contacts. You are hereby notified to permanently cease all communication and credit reporting activity related to this alleged debt. 

You are ordered to immediately stop the reporting of this account to any credit reporting agencies unless and until you provide the following : A copy of the original signed contract or agreement creating the debt ; A full itemized accounting of the amount allegedly owed, including principal, interest, and fees ; The full name and address of the original creditor ; Documentation proving you have legal authority to collect this debt in my state ; XXXX that the alleged debt is still within the statute of limitations in my state. 

You are also legally prohibited from selling, transferring, or assigning this alleged debt to any other entity. Any attempt to do so will be considered a willful violation of the FDCPA and other applicable laws. 

Because you have already been reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), failure to comply with this letter will serve as further evidence of your willful noncompliance and may result in additional legal action.

If you can not validate the debt with proper documentation, you must immediately delete and permanently cease all reporting of this account with every credit bureau.

I expect your full compliance and a written confirmation of the actions taken.

Company response to consumer: Closed with explanation