vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I noticed that a negative item had been on my credit report for over XXXX years. The account in question was reported as having a charge-off status along with a balance of approximately {$2100.00} even though it was paid off completely and should now reflect a XXXX balance. In addition, there were allegations of unauthorized transactions that stemmed from a fraudulent use of my credit card by someone else many years agoa matter that a court later determined I was not responsible for. 

Following this discovery, I immediately submitted a dispute with the involved credit reporting agencies. I provided comprehensive documentation demonstrating that the account had been paid in full and that the unauthorized charge was not my responsibility, along with evidence from the court showing that I was absolved of any liability. XXXX XXXX, which reported the account, advised that their investigation was in process, but despite repeated follow-up as required by the Fair Credit Reporting Act, the inaccurate charge-off information has remained on my credit report. 

As a result, my credit score has suffered significantly, and my ability to secure credit has been adversely affected. I continue to request that the negative itemreported in error for over XXXX yearsbe immediately removed from my credit file and that my record be updated to accurately reflect a XXXX balance. I also expect a detailed explanation of the methods used to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that a negative item had been on my credit report for over XXXX years. The account in question was reported as having a charge-off status along with a balance of approximately {$2100.00} even though it was paid off completely and should now reflect a XXXX balance. In addition, there were allegations of unauthorized transactions that stemmed from a fraudulent use of my credit card by someone else many years agoa matter that a court later determined I was not responsible for. 

Following this discovery, I immediately submitted a dispute with the involved credit reporting agencies. I provided comprehensive documentation demonstrating that the account had been paid in full and that the unauthorized charge was not my responsibility, along with evidence from the court showing that I was absolved of any liability. XXXX XXXX, which reported the account, advised that their investigation was in process, but despite repeated follow-up as required by the Fair Credit Reporting Act, the inaccurate charge-off information has remained on my credit report. 

As a result, my credit score has suffered significantly, and my ability to secure credit has been adversely affected. I continue to request that the negative itemreported in error for over XXXX yearsbe immediately removed from my credit file and that my record be updated to accurately reflect a XXXX balance. I also expect a detailed explanation of the methods used to verify this information.

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 2025-05-29 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: PA

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 2025-05-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account from XXXX XXXX XXXX with account number XXXX, opened in XX/XX/XXXX, and another collection account from XXXX XXXX XXXX with account XXXX XXXX, opened in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-29 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: Experian Information Solutions Inc.
State: PA

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 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 2025-05-29 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: CA

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am filing this complaint to TRANSUNION because the listed companies are reporting fraudulent, unverified, and inaccurate accounts on my credit reports. I have no knowledge of or contractual relationship with any of these creditors. These accounts do not belong to me and may be the result of identity theft or erroneous data reporting. I have submitted formal disputes to the credit bureaus and to each individual furnisher. 
My dispute packets included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address Despite submitting the required documentation, the accounts continue to appear on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) Requires deletion of identity-theft-related accounts within 4 business days of receiving valid documentation. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report data they know or reasonably should know is inaccurate. FCRA 623 ( b ) ( 1 ) Requires furnishers to conduct a reasonable investigation and correct or delete the information within 30 days. Metro 2 Compliance These furnishers have failed to flag the accounts correctly ( XB ) during the investigation or to remove them properly using deletion code ( DA ). These accounts are materially damaging my credit profile and violating my consumer protection 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
In XX/XX/year>, I submitted formal disputes to the credit bureaus to correct multiple inaccurate addresses and aliases that appear on my credit report. These include two outdated addresses and two name variations that are not associated with me. I provided a government-issued ID and proof of my current address along with each dispute.

Despite taking these steps, the inaccurate information remains on my report. I also requested that the credit bureaus investigate and remove five collection accounts that I believe to be either outdated, invalid, or unverifiable. Some of these accounts have been disputed before, and yet no proper investigation or resolution has occurred. 

I am requesting that these inaccurate addresses and name variations be removed, and that a full investigation into the collection accounts be conducted in accordance with the Fair Credit Reporting Act. 

Thank you for reviewing my complaint.

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 2025-05-29 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:
In XX/XX/year>, I submitted formal disputes to the credit bureaus to correct multiple inaccurate addresses and aliases that appear on my credit report. These include two outdated addresses and two name variations that are not associated with me. I provided a government-issued ID and proof of my current address along with each dispute.

Despite taking these steps, the inaccurate information remains on my report. I also requested that the credit bureaus investigate and remove five collection accounts that I believe to be either outdated, invalid, or unverifiable. Some of these accounts have been disputed before, and yet no proper investigation or resolution has occurred. 

I am requesting that these inaccurate addresses and name variations be removed, and that a full investigation into the collection accounts be conducted in accordance with the Fair Credit Reporting Act. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX  # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CA

Complaint narrative:
I had a personal loan through and APP called XXXX. This app was shut down and I was no longer able to log in and see my actual amount of debt or pay it off. Now I have received XXXX different collection agencies harassing me to pay this debt off. SST and Bounce AI. I have no idea who these companies are and will not give them any money. The app that i originally got a loan through does not exist anymore. My name is not even correct on the account. I think this is fraud. It says XXXX XXXX and my name is XXXX XXXX. This is fraud and harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is charging me {$330.00} for a secure card which I deposited money to use. It is not a credit card. Equifax wont do anything to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MA

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 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 2025-05-29 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: MO

Complaint narrative:
I am submitting this complaint to report multiple inaccurate and unresolved credit entries appearing on my consumer credit report. These accounts have either been incorrectly reported or remain uncorrected despite my prior disputes. The entities involved have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) 611 and 623, and some entries may also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Opened XX/XX/XXXX ) Charged off account listed twice with slightly different names. One entry reports a high balance of {$800.00}, while the duplicate does not list a balance. This suggests a potential double reporting of the same debt, inflating derogatory impact. 

XXXX ( Opened XX/XX/XXXX ) Charged off with a balance of {$790.00}. Similar in origin to the two above ; the reporting appears duplicative and lacks accurate supporting documentation. 

XXXX XXXX ( Opened XX/XX/XXXX ) Reported as charged off with a balance of {$22000.00}. Disputed due to inconsistencies in terms, status, and lack of validation documentation. 

XXXX ( Opened XX/XX/XXXX ) Late payments have been reported inaccurately. My records do not reflect these derogatory entries, and my disputes remain unresolved. 

XXXX XXXX ( Opened XX/XX/XXXX ) Listed as a collection account for {$71.00}. The future-dated entry alone indicates a reporting error. This tradeline is unverifiable and was not substantiated after dispute. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Collection account of {$54.00} reported without proper debt validation. Despite prior disputes, the bureau and furnisher failed to provide sufficient proof. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Late payment inaccurately reported, despite my records and prior correspondence requesting correction. 

Impact and Violations : These inaccuracies have led to adverse actions including credit denial and increased financial hardship. The continued presence of unverifiable and duplicated tradelines violates my rights under FCRA 611 ( procedure in case of disputed accuracy ) and 623 ( responsibilities of furnishers ). The duplicate and future-dated entries indicate a failure to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ).

Resolution Sought : I am requesting that the Consumer Financial Protection Bureau investigate these reporting inaccuracies and require the credit bureaus and furnishers to : Delete or correct all unverifiable, inaccurate, or duplicative tradelines Provide written confirmation of corrective actions Adhere to FCRA reinvestigation timelines and procedures If unresolved, I will escalate with the FTC and my state Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
I am submitting this complaint to report multiple inaccurate and unresolved credit entries appearing on my consumer credit report. These accounts have either been incorrectly reported or remain uncorrected despite my prior disputes. The entities involved have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) 611 and 623, and some entries may also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Opened XX/XX/XXXX ) Charged off account listed twice with slightly different names. One entry reports a high balance of {$800.00}, while the duplicate does not list a balance. This suggests a potential double reporting of the same debt, inflating derogatory impact. 

XXXX ( Opened XX/XX/XXXX ) Charged off with a balance of {$790.00}. Similar in origin to the two above ; the reporting appears duplicative and lacks accurate supporting documentation. 

XXXX XXXX ( Opened XX/XX/XXXX ) Reported as charged off with a balance of {$22000.00}. Disputed due to inconsistencies in terms, status, and lack of validation documentation. 

XXXX ( Opened XX/XX/XXXX ) Late payments have been reported inaccurately. My records do not reflect these derogatory entries, and my disputes remain unresolved. 

XXXX XXXX ( Opened XX/XX/XXXX ) Listed as a collection account for {$71.00}. The future-dated entry alone indicates a reporting error. This tradeline is unverifiable and was not substantiated after dispute. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Collection account of {$54.00} reported without proper debt validation. Despite prior disputes, the bureau and furnisher failed to provide sufficient proof. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Late payment inaccurately reported, despite my records and prior correspondence requesting correction. 

Impact and Violations : These inaccuracies have led to adverse actions including credit denial and increased financial hardship. The continued presence of unverifiable and duplicated tradelines violates my rights under FCRA 611 ( procedure in case of disputed accuracy ) and 623 ( responsibilities of furnishers ). The duplicate and future-dated entries indicate a failure to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ).

Resolution Sought : I am requesting that the Consumer Financial Protection Bureau investigate these reporting inaccuracies and require the credit bureaus and furnishers to : Delete or correct all unverifiable, inaccurate, or duplicative tradelines Provide written confirmation of corrective actions Adhere to FCRA reinvestigation timelines and procedures If unresolved, I will escalate with the FTC and my state Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Citibank, I am writing to formally dispute a series of fraudulent XXXX transactions processed through my Citibank account, totaling {$3200.00}. These payments were made between XXXX and XX/XX/year> to an individual posing as an auto mechanic. This person used deception and false pretenses to solicit funds and then disappeared, returning my vehicle in a non-functional, severely damaged state. 

Despite the deceptive nature of the scheme, XXXX has refused to reimburse me, stating that I authorized the payments. However, under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, a payment made under fraud or misrepresentation can not be considered fully authorized. As my bank, Citibank has the legal obligation to investigate and potentially reimburse such claims, especially when the authorization was obtained through fraudulent means. 

The details of the scam are as follows : Multiple XXXX transfers made to XXXX XXXX between XX/XX/XXXX and XX/XX/year> I was misled into believing I was paying for car repairs. After receiving my car back, it was dead and unusable. 

The scammer is known to have defrauded others ; their online presence and physical shop location were completely fake. 

As a result of this fraud, I lost my only vehicle, my job, and suffered credit damage due to resulting overdrafts. 

XXXX is a payment channel, but the responsibility for securing and investigating transactions lies with the issuing bank. I submitted documentation, including the scammers contact, screenshots of the payments, and a written statement describing the incident. XXXX declined to act, and I am now holding Citibank accountable for fulfilling its duty 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