vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am writing to formally dispute and request the removal of a fraudulent account from my credit report. I am a victim of identity theft, and an account was opened in my name without my authorization. 

The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX Date Opened by Imposter : XX/XX/year> Fraudulent Amount : {$2700.00} XXXX discovered this unauthorized account on my credit report and immediately took steps to report the identity theft. Enclosed with this letter are the following documents for your reference : XXXX. A copy of my FTC Identity Theft Report ( Report Number : XXXX ) XXXX. A copy of my government-issued ID XXXX. Proof of my current address Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that this account be blocked from my credit file and permanently removed. I also request a written confirmation once the account has been deleted. 

Please process this dispute as quickly as possible. If you need any additional information, do not hesitate to contact me at the information provided above. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX. XXXX XXXX -- - Let me know if you'd like this as a downloadable Word or PDF document.

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 2025-07-12 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My personal account was closed by Citibank on XX/XX/XXXX. There was still {$14000.00} in it when it was closed. During this period, I communicated with the customer service many times, but they kept prevarication, deception and delaying me. Today is XX/XX/XXXX, which has exceeded the XXXX period they promised, but Citibank has not sent a check and has not given me any 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 monetary relief
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
the information about the repossession is incorrect or incomplete laws regarding vehicle repossession where not followed the repossession didn't follow state guidelines the repo company used unlawful practices, such as harassment and failure to inform me of my rights, inaccuracies on your credit report. If the information about the repossession is incorrect or incomplete, my rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am a verified survivor of human trafficking and submitted a formal request to Experian pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. Under this federal law, Experian is required to block all adverse credit information resulting from trafficking within four business days of receiving proper documentation.

I provided all required documents, including my Self-Attestation of Human Trafficking Victim Status and supporting materials, in accordance with the law. Despite clearly indicating that my submission was a Section 605C request and citing the relevant legal provisions, Experian continues to mishandle my case. Instead of processing it as a trafficking-related request, Experian has improperly treated it as a standard credit dispute, stating that it would take 30 days to investigate the matter.

This is a direct violation of federal law. Section 605C requires that blocking of the identified items occur within four business days, not after an extended dispute process. I have submitted my documentation multiple times, clarified the nature of the request, and have yet to receive proper resolution or compliance from Experian.

Experians refusal to follow the law has caused continued harm to my credit, emotional distress, and has delayed my recovery as a survivor. I am requesting that the CFPB take immediate action to ensure Experian complies with FCRA Section 605C and fulfills its legal obligations to trafficking survivors.

Specifically, I request the following : Immediate blocking of all adverse items identified in my 605C submission ; Written confirmation from Experian that the block has been applied ; Correction of any disclosures made to third parties based on the previously unblocked data ; A formal explanation of the failure to comply and corrective measures to prevent future violations.

Thank you for protecting the rights of survivors under federal law and holding Experian accountable for its noncompliance. 
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 2025-07-12 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Equifax Information Services LLC due to its failure to uphold its obligations under the Fair Credit Reporting Act ( FCRA ). I have disputed several accounts directly with Equifax that remain inaccurately reported on my credit file. These inaccurate and incomplete items are negatively impacting my creditworthiness and violating my rights as a consumer. 

Despite notifying Equifax and requesting reinvestigation, the following accounts remain on my credit report without proper correction, full verification, or explanation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4000.00} Issue : Late payments are inaccurately reported. I was never properly notified of any delinquency and believe the account was paid timely. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; 607 ( b ) Duty to maintain accurate and complete information.

Details : Equifax has failed to provide supporting documentation from the data furnisher to justify these derogatory marks. The reporting remains unverifiable and misleading. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Account is marked as a charge-off despite showing a {$0.00} balance, with no context about settlement or resolution. 
Violations : FCRA 607 ( b ) ; Metro 2 Compliance Guidelines.

Details : The charge-off status is inconsistent with a resolved balance. Reporting a derogatory status without clarification is deceptive and incomplete. Equifax continues to report this account improperly after my dispute. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$17000.00} Issue : Account is listed as a charge-off with missing payment history and no documented verification from the furnisher.

Violations : FCRA 611 ( a ) ; 623 ( b ) Details : Equifax has not provided verification after my dispute. The account remains with insufficient information, causing undue harm to my credit file.

Summary of My Complaint : Equifax has repeatedly failed to conduct a reasonable investigation or correct the above inaccuracies within the time required by law. Their inaction and continued reporting of unverifiable or incomplete information violate my rights under the FCRA. I am requesting the CFPB intervene in this matter, compel Equifax to remove or properly update these accounts, and ensure they are compliant with the law.

I am attaching copies of my credit report, previous dispute letters, and any relevant correspondence. I request a full investigation into Equifaxs handling of these disputes and the enforcement of penalties if willful noncompliance is found.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
This letter is a formal dispute of a collection account that does not belong to me. I believe the reporting of this item is a result of identity theft or a clerical error. I had no knowledge of this debt prior to reviewing my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been facing significant financial hardship due to unexpected circumstances, including the closure of my business, the loss of my job and main source of income, and the repossession of my vehicle. My wife is also unemployed, which has made our financial situation even worse. I currently owe Citibank approximately {$16000.00} on an account ending in XXXX. 


I have contacted Citibank and sent them a written request by certified mail explaining my situation and asking to negotiate a lump-sum settlement of {$1500.00} in full satisfaction of the account, as I am unable to pay the full balance. Despite my efforts, I have not received any response. I am requesting the CFPBs help to facilitate communication with Citibank and to help reach a reasonable resolution given my severe financial hardship.

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 2025-07-12 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: Early Warning Services, LLC
State: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may no
t treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Early Warning Services, LLC
State: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not tr
eat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I filed a dispute for inaccurate hard inquiries with Equifax the results came back the same day. 
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within less than XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
they all right for the worst company Ive ever ever ever seen in my entire life. You cant get anybody on the phone when you talk to somebody online they run around for XXXX hours. He talked to somebody on the phone. Had this credit card for XXXX  years just trying to simply get a new credit card and they tell me no accounts are found they dont know what Im talking about etc. etc. it is I have never ever experienced anything like this in my life and I cant be just me because Ive tried about XXXX or XXXX or XXXX different people

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 2025-07-12 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: IL

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence on my credit report is completely unacceptable. This false reporting presents misleading information about my financial history and is a serious violation of my rights. 
I take the accuracy of my credit profile very seriously. I request immediate clarification regarding the origin of these accounts and who is responsible for reporting them.

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 2025-07-12 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation