vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Equifax received my Personal Information Update Request on XX/XX/XXXX. In that request, I asked them to update my legal name, keep my current employer ( XXXX ), update my current address and phone number, and remove all former addresses, former employers, former phone numbers, and all name variations. Equifax later requested identity verification, and I mailed my U.S. Passport and mortgage statement, which they received on XX/XX/XXXX. These documents fully satisfy FCRA identity verification requirements. 

Despite having both my written request and my identity documents, Equifax did not complete the reinvestigation or correct my personal information as required under FCRA 609, 610, and 611. In the 10/22 response, they only stated that my current address was reporting correctly and that my name was reviewed, but they did not remove or update any of the incorrect personal information in my file. They did not apply my identity documents and did not provide an updated personal information section or updated consumer file. 

In the XX/XX/XXXX response, Equifax deleted one former employer and one former address. However, they also removed my CURRENT employer, XXXX, which I specifically verified as accurate in my original request. Removing accurate and current information is a violation of FCRAs accuracy requirements and occurred even after they had my identity documents. Equifax also failed to remove name variations, failed to remove former phone numbers, failed to correct my legal name, failed to remove remaining former employers, and failed to apply the documentation I provided. 

Equifax did not complete the reinvestigation within the required timeframe, did not correct all of the disputed information, and did not provide a corrected consumer file. Their responses were incomplete, inconsistent, and did not satisfy federal or Texas requirements for reinvestigation. I am requesting that the CFPB require Equifax to properly complete the corrections, restore my current employer ( XXXX ), apply the identity documents they received on XX/XX/XXXX, and issue an accurate updated consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUNION Intermediate Holdings , Inc., EXPERIAN Information Solutions Inc., and EQUIFAX , Inc., which all are consumer reporting agencies and financial institutions, and ALL are guilty of aggravated identity theft for knowingly possessing, transferring and/or using my non public personal means of identification ( NPI ), which is a violation of my privacy and a violation of the Gramm-Leach-Bliley Act. Furthermore, while obtaining my non public personal customer information by false pretenses and without my consent, all consumer reporting agencies identified in this complaint, went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other persons, and/or agencies without my written request or written consent. 
I have provided separate statements for each financial institution involved in this complaint. SEE ALL ATTACHMENTS.

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 2025-11-20 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: NC

Complaint narrative:
TRANSUNION Intermediate Holdings , Inc., EXPERIAN Information Solutions Inc., and EQUIFAX , Inc., which all are consumer reporting agencies and financial institutions, and ALL are guilty of aggravated identity theft for knowingly possessing, transferring and/or using my non public personal means of identification ( NPI ), which is a violation of my privacy and a violation of the Gramm-Leach-Bliley Act. Furthermore, while obtaining my non public personal customer information by false pretenses and without my consent, all consumer reporting agencies identified in this complaint, went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other persons, and/or agencies without my written request or written consent. 
I have provided separate statements for each financial institution involved in this complaint. SEE ALL ATTACHMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health

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 2025-11-20 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: NC

Complaint narrative:
Bank errors in billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not given the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a clear breach of federal law and are unfairly destroying my credit standing.

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 2025-11-20 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:
Dear Sir/Madam, I am writing to dispute the following accounts that are inaccurately reported on my Equifax credit report. The information provided below contains discrepancies and requires immediate investigation. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$56000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am submitting this complaint because XXXX XXXX XXXX XXXX is reporting a collection account on my credit file without providing validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX is reporting an alleged debt from XXXX XXXX in the amount of {$230.00} ( original amount {$190.00} ), account ending in * XXXX. The collector lists the date of first delinquency as XX/XX/XXXX and shows the account as assigned on XX/XX/XXXX. They updated the account on XX/XX/XXXX. 
On XX/XX/XXXX, I mailed XXXX XXXX XXXX XXXX a formal debt validation request under FDCPA XXXX. I have proof that the letter was delivered. I have not received any documentation validating the debt. 
Despite this, XXXX XXXX XXXX XXXX continued to report and update the account on my credit report on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until they provide proper validation. 
Because they failed to validate the debt and continued reporting, the information they are supplying is inaccurate and unlawful. 

I am submitting this complaint because a debt buyer is reporting a collection account on my credit file without providing any validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
The collector is reporting an alleged debt with the following details : Account ending in * XXXX Balance : {$650.00} Date opened : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Last activity update : XX/XX/XXXX Type : Debt Buyer Account, reported as a collection On XX/XX/XXXX, I mailed the debt buyer a formal validation request under FDCPA XXXX. The letter was delivered, and I have proof of delivery. Despite this, they did not provide any validation or documentation proving the debt is mine, proving the balance, or showing legal ownership of the account. 
Even though they failed to validate the debt, the collector continued reporting and updating the account on my credit report, including the most recent update on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until the debt is properly validated. 
Because they did not validate the debt but continued reporting it, the account is being furnished inaccurately and unlawfully.

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 2025-11-20 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: OH

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is reporting a collection account on my credit file without providing validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX is reporting an alleged debt from XXXX XXXX in the amount of {$230.00} ( original amount {$190.00} ), account ending in * XXXX. The collector lists the date of first delinquency as XX/XX/XXXX and shows the account as assigned on XX/XX/XXXX. They updated the account on XX/XX/XXXX. 
On XX/XX/XXXX, I mailed XXXX XXXX XXXX XXXX a formal debt validation request under FDCPA XXXX. I have proof that the letter was delivered. I have not received any documentation validating the debt. 
Despite this, XXXX XXXX XXXX XXXX continued to report and update the account on my credit report on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until they provide proper validation. 
Because they failed to validate the debt and continued reporting, the information they are supplying is inaccurate and unlawful. 

I am submitting this complaint because a debt buyer is reporting a collection account on my credit file without providing any validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
The collector is reporting an alleged debt with the following details : Account ending in * XXXX Balance : {$650.00} Date opened : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Last activity update : XX/XX/XXXX Type : Debt Buyer Account, reported as a collection On XX/XX/XXXX, I mailed the debt buyer a formal validation request under FDCPA XXXX. The letter was delivered, and I have proof of delivery. Despite this, they did not provide any validation or documentation proving the debt is mine, proving the balance, or showing legal ownership of the account. 
Even though they failed to validate the debt, the collector continued reporting and updating the account on my credit report, including the most recent update on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until the debt is properly validated. 
Because they did not validate the debt but continued reporting it, the account is being furnished inaccurately and unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am writing to dispute the following accounts on my Experian credit report. The items listed below need to be corrected to reflect accurate and up-to-date information. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Inquiries : XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : 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 2025-11-20 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:
I recently reviewed my EQUIFAX credit report and found a fraudulent account reporting. This company is reporting fraudulent, inaccurate information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account that I never authorized or had any knowledge of is being reported under my name. I did not open, manage, or consent to this account, and its presence on my credit report is a clear misrepresentation of my financial history. I take the accuracy of my credit profile very seriously, and discovering this unknown account has caused significant concern and 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 non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not mine and must be removed in 15 days in accordance with USC 1681g.

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year> I have an unauthorized charge of XXXX, that Goldman Sachs has declined the dispute twice without investigating properly, as the charge was not authorized, stating the good/services have been rendered trying to hold me liable for an unauthorized charge, Even though I provided a police report of the unauthorized transaction. They let me resubmit the dispute again and confirmed with me that the police report was uploaded. Hopefully, they rectify the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/2025 I placed an on line order for {$77.00} with a company that claimed to be a USA company. My credit card was instantly over charged for {$88.00} by a merchant in XXXX XXXX, so I immediately requested the order be cancelled and alerted my credit card company, Citi Bank. Citi Bank instructed me to let the charge post to my account, then dispute it, which I did. I discovered that the merchant was highly known for fraudulent activity and provided several documents of proof of this to Citi Bank. I received several emails days later from the merchant stating I could not cancel my order and they provided me with a fake tracking number. Later they claimed my order was delivered and I received nothing from them. 
Citi Bank has been " investigating '' my dispute for over two months and are now telling me that because I authorized the charge, it is not considered fraud. Regardless, I still have not received anything from this merchant who is well known for scamming people. I just want Citi Bank to resolve this matter and issue me a permanent credit.

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 2025-11-20 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:
Could you review this entry? Its late and may contain mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
The item reported is inconsistent with my established financial behavior. I respectfully request that it be reviewed and amended.

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 2025-11-20 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: TN

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccuracies, as outlined below. These accounts are listed as charged-off, but I believe there may be discrepancies in the reporting of these items. 

Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} Capital XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} Late Payment : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX I request a review and correction of 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 explanation