vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX CARD - XXXX * * * * * * * * * * XXXX XXXX XXXX XXXXXXXX - 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 2025-10-24 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-10-24 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:
Subject : Inconsistent and Non-Compliant Reinvestigations by Experian and Equifax XXXX XXXX XXXX and XXXX XXXX Bank Charge-Offs Details : Both Experian and Equifax continue to report inaccurate charge-off accounts from XXXX XXXX XXXX XXXX and XXXX XXXX Bank, despite multiple disputes and supporting evidence provided through the CFPB portal and directly to each bureau. 

Importantly, XX/XX/XXXX has already deleted the XXXX XXXX XXXX XXXX account following its reinvestigation, confirming that the tradeline was either unverifiable or inaccurate under FCRA XXXX ( a ) ( XXXX ). 
However, Experian and Equifax continue to report the same account as verified, demonstrating inconsistent data handling and failure to perform a reasonable reinvestigation as required by FCRA XXXX ( a ) and 15 U.S.C. XXXX ( b ). 

Both bureaus have produced conflicting and incomplete results : Experian marked both accounts verified but failed to provide a Method of Verification ( XX/XX/XXXX ) identifying what evidence or contacts were used. 

Equifax issued generic dispute results and failed to apply the required Metro 2 XX/XX/XXXXcXX/XX/XXXXe indicating a consumer dispute in process. 


This inconsistency between bureaus especially where XXXX bureau deleted and XXXX others retained the same account is strong evidence of non-compliance and a sham investigation. 
Both agencies have also failed to demonstrate that they forwarded all relevant dispute information to the furnishers, violating FCRA XXXX ( a ) ( XXXX ), and failed to confirm the furnishers own reinvestigations under XXXX ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

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 explanation
Consumer complaint received 2025-10-24 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: FL

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 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 2025-10-24 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: FL

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 explanation
Consumer complaint received 2025-10-24 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: CO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * XXXX - XXXX * * * * * * * * NGS XXXX - XXXX *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX CARD - XXXX * * * * * * * * * * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Activehours
State: TX

Complaint narrative:
I signed up for the EarnIn app to access my earned wages before payday. When I enrolled, I attached a bank account that I was in the process of closing. The app indicated that the account needed to be resolved before it could be used, so I did not expect the service to become active right away. 

However, the next day EarnIn processed a transaction and sent my funds to the closed bank account. I no longer have access to that account or any funds sent there. I immediately notified EarnIn that the account was closed and requested that they either : Cancel or reverse the transfer to the closed account, or Send the funds to my XXXX account, which is where my payroll is now deposited. 

Despite multiple communications, EarnIn has refused to transfer the funds to my XXXX account. Instead, they insist that I open a new checking account or wait up to 15 days for a paper check. I have explained several times that I do not have a traditional checking account and need access to my money, but they continue to delay resolution. 

EarnIn has effectively taken my money and is withholding it without offering a reasonable way to return it. This situation is causing significant financial hardship, as I can not access my earned wages. 

What I am requesting : Immediate release of my funds through XXXX or another accessible method. 

Confirmation that my EarnIn account is deactivated so no further unauthorized transfers occur. 

Assurance that EarnIn will update its processes to prevent transactions from being pushed through on closed or invalid accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXX - XXXX * * * * XXXX XXXX XXXXXXXX - XXXX * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AZ

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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: CA

Complaint narrative:
I was told I could fax in what they sent me to extend the payments for 2 months upon completing this they told me t was denied due to something being submitted about me never buying this car and that it was not mines idk how this is so when they have my address I have Insurance on the car and I am the XXXX asking for an extention so how XXXX XXXX payments that I can not catch up due to the government XXXX down and they won't even give me any information on what company is saying I submitted anything the only thing I ever submitted was about a missed payment I had and how I thought it was a mistake now I feel like they tricked me making me go 2 months behind then telling me when I called into to check that they denied it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX XXXX  - XXXX ] Creditor Name : [ XXXX - XXXX ] Account Number : [ TBOM/MILSTNE - XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX XXXX XXXX IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have been trying to correct my legal identity and credit reporting with all major credit bureaus. Between XXXX and XXXX, I have submitted legal documentation multiple times to correct my identity and reporting. 

In XXXX, I received notice from XXXX XXXX XXXX that my personal information was involved in a data breach. Since that time, I have received at least XXXX similar letters from other companies notifying me that my information had been exposed. Because of this, I have requested that all items on my credit reports be fully verified. 

Between XXXX and XX/XX/XXXX, I experienced a period where my credit score was not being provided at all. When I contacted FICO directly, they informed me that I did not have a score due to issues in how the credit bureaus were reporting my information.

One credit bureau is reporting a XXXX late payment for a XXXX XXXX account in XX/XX/XXXX, even though another bureau reports the same account as paid and closed with no late payments. Another credit bureau is reporting a charge-off with a balance of approximately {$470.00} for a XXXX XXXX account that does not appear on the other bureau. Reporting for a XXXX  XXXX account also differs between bureaus, including payment history and account status. 

There are addresses and phone numbers listed on XXXX of my credit reports that I have never lived at or used. I have submitted disputes to correct these errors. 

I have spent multiple hours on the phone since XXXX and submitted supporting documents repeatedly. One bureau continues to request the same documents multiple times and has failed to complete the corrections despite acknowledging receipt. 

Because of the continued errors and missing information, the incorrect reporting has caused my credit score to decrease and has prevented accurate identity verification. I am requesting that all accounts, personal information, and reporting be fully verified and corrected.

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 2025-10-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have been trying to correct my legal identity and credit reporting with all major credit bureaus. Between XXXX and XXXX, I have submitted legal documentation multiple times to correct my identity and reporting. 

In XXXX, I received notice from XXXX XXXX XXXX that my personal information was involved in a data breach. Since that time, I have received at least XXXX similar letters from other companies notifying me that my information had been exposed. Because of this, I have requested that all items on my credit reports be fully verified. 

Between XXXX and XX/XX/XXXX, I experienced a period where my credit score was not being provided at all. When I contacted FICO directly, they informed me that I did not have a score due to issues in how the credit bureaus were reporting my information.

One credit bureau is reporting a XXXX late payment for a XXXX XXXX account in XX/XX/XXXX, even though another bureau reports the same account as paid and closed with no late payments. Another credit bureau is reporting a charge-off with a balance of approximately {$470.00} for a XXXX XXXX account that does not appear on the other bureau. Reporting for a XXXX  XXXX account also differs between bureaus, including payment history and account status. 

There are addresses and phone numbers listed on XXXX of my credit reports that I have never lived at or used. I have submitted disputes to correct these errors. 

I have spent multiple hours on the phone since XXXX and submitted supporting documents repeatedly. One bureau continues to request the same documents multiple times and has failed to complete the corrections despite acknowledging receipt. 

Because of the continued errors and missing information, the incorrect reporting has caused my credit score to decrease and has prevented accurate identity verification. I am requesting that all accounts, personal information, and reporting be fully verified and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My father transferred approximately XXXX reward points to my account. I was not informed that these transferred points would expire within XX/XX/XXXX days. The companys website and points dashboard did not clearly indicate or notify me that the transferred points were subject to expiration. As a consumer, I had no reasonable way to know that the points would expire so quickly. 
This lack of disclosure and transparency constitutes a deceptive practice. I am requesting that the company reinstate the expired points or provide equivalent compensation, as I was not given fair notice of the expiration policy.

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 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Cordoba Legal Group, PLLC.
State: WA

Complaint narrative:
On XX/XX/year>, I sent Cordoba Legal Group a written request under the GrammLeachBliley Act and Washington privacy laws asking them to identify the source or vendor that provided my consumer information to their firm. They did not respond. On XX/XX/XXXX, I sent a final notice giving forty-eight hours to comply. Their attorney replied only by referencing a privacy-policy clause in the contract, which does not identify any data source. The deadline of XX/XX/XXXX passed with no disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

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 non-monetary relief