vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ask that you promptly remove this mistaken late payment entry. My payment record has always been consistent, and this has caused me worry.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint serves as my formal follow-up dispute concerning the continued and inaccurate reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX which is still being shown as XXXX XXXX despite prior disputes and the lack of verifiable documentation. I am requesting permanent deletion, not correction, of this entry from my credit file. 
This account is being reported as a charge-off, yet no IRS Form 1099-C has been issued to show that the debt, which exceeds {$600.00}, was canceled or forgiven. Without such a document, there is no legal basis to report the account as charged off. The absence of this verification renders the information inaccurate and misleading under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that consumer reporting agencies ensure the maximum possible accuracy of any data furnished about a consumer. 
Because the furnisher has failed to provide proof of a legitimate charge-off or valid debt cancellation, the account remains unverified and unreliable. Maintaining an unverified account violates the core obligations of accuracy and fairness established by the Fair Credit Reporting Act. I have acted in good faith by disputing this information multiple times, yet the bureaus continue to publish data that can not be proven to meet legal standards of accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Failure to Accurately Report Payment History and Correct Billing Errors under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) I am filing this complaint against Equifax, Experian, and TransUnion for reporting inaccurate payment history information and failing to ensure maximum possible accuracy of my credit file as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). 

I recently reviewed my credit reports and found several late payment notations that are incorrect and constitute billing errors. These accounts have been misreported despite my consistent payment history and the absence of any documentation from the creditors proving I was late. I submitted disputes directly to the credit bureaus, but they have not corrected or verified the items properly. 

Summary of the Disputed Information Inaccurate Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Issue : Late Payment ( Open ) The payment history for this account is inaccurate. I do not recall being late on this account, and the creditor failed to provide any evidence or documentation showing I missed a payment or received a statement at least 21 days before the due date as required by law. 

Legal Basis for the Complaint The creditor and credit bureaus are in violation of : 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) Failing to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) Making a computation or similar accounting error on a billing statement.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information and delete or correct any item that can not be verified.

Failure to Provide Verification Despite my formal dispute, none of the credit bureaus have provided documentary evidence from the furnisher showing I was late. They have continued reporting the late payment without proof, which violates the FCRAs reinvestigation requirements.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Subject : Re : XXXX In XX/XX/XXXX, I contacted Citibank regarding a bookkeeping mentorship program I enrolled in back in XX/XX/XXXX. Since that time, I have followed up each month to request that Citibank stop processing payments to this merchantespecially since my account had been locked. However, I was advised that even if the account was locked, payments would still be processed, and the bank would monitor the account and handle any disputes afterward. Despite this assurance, no action was taken during the XXXX months XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX. 

On Saturday, XX/XX/XXXX, after multiple unsuccessful attempts to resolve the issue, I firmly requested that the most recent payment be stopped and refunded to my account. The Account Supervisor initially refused to open a case, but after I spoke with another supervisor and requested a manager callback, the case was finally filed. 

I have been making payments of {$190.00} to this merchant since XX/XX/XXXX and am now requesting that Citibank refund XXXX of those payments. Despite my consistent payments, I have not received the mentorship services that were promised. The payments made through Citibank were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( Payments from XX/XX/XXXX through XX/XX/XXXX were made via my XXXX XXXX account. ) I have repeatedly emailed the merchant asking to speak directly with someone about the mentorship program, but I was only directed to attend webinars where participants were simply asking questions. When I requested a one-on-one session, I was told instead to submit questions by email. 

To date, I have not received a callback from a Citibank manager. Each time I request XXXX, I am told that my concern will be escalated, yet no follow-up occurs. This has been a recurring issue with Citibankno action is taken until I demand to speak to a supervisor or manager. I have frequently encountered unprofessional behavior on the phone, including hang-ups, silence, and rudeness, as though my business does not matter. I have filed numerous complaints about this ongoing mistreatment, but the problem persists without resolution.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am deeply distressed and frustrated after discovering multiple fraudulent accounts and unauthorized inquiries linked to my credit profile. My personal information has been stolen and abused without my permission, turning my life into a situation filled with fear and uncertainty. These false items are damaging my credit and are not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I turned in proof of income with a benefit letter and they denied my application Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/2025 National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account for XXXX XXXX  XXXX XXXX Dear National Credit Systems, My XXXX  report lists your agency for an alleged {$3400.00} collection originally from XXXX XXXX XXXX XXXX  ( Account # XXXX ). 

Under FDCPA 807 and 809 ( b ), you may not continue collection or furnish data to a CRA without first providing proper validation. Under FCRA 623 ( a ) ( 1 ), any unverifiable or inaccurate data must be withdrawn.

Provide within 30 days : 1. A copy of the signed lease or agreement bearing my signature.

2. An itemized accounting of all charges and payments.

3. Proof of your legal assignment or ownership of the debt.

5. Assignment contract 6. Bill of sale Absent full documentation, cease reporting and request deletion of this account from every credit bureau. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. CITI 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this third formal dispute regarding multiple inaccurate, unverified, and unauthorized items appearing on my credit reports. I am demanding permanent deletion, not correction, of the following entries, which continue to be reported in violation of federal law and cause ongoing harm to my creditworthiness. 
The first account, XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, is reported as Late Closed, while the same account is also listed as Charged Off with a balance of {$19000.00}. This contradictory reporting violates the FCRAs requirements for accuracy, verification, and reasonable reinvestigation, including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Additionally, the charged-off balance exceeds {$600.00} without a corresponding IRS Form 1099-C, which is required to validate debt cancellation. Because this account can not be verified as accurate, it must be permanently removed from my credit reports in accordance with FCRA 605B [ 15 U.S.C. 1681c-2 ]. 
The second account, XXXX Account No. XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$300.00} is being reported as a collection without proper validation or supporting documentation. Reporting unverified debts is prohibited under FDCPA 807 [ 15 U.S.C. 1692e ] and 809 [ 15 U.S.C. 1692g ], and allowing this unverified account to remain on my reports violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. Because no verification has been provided, this account must also be permanently deleted. 
Finally, my reports include an unauthorized inquiry by XXXX XXXX XX/XX/year>, which was conducted without my consent or any permissible purpose. This access violates FCRA 604 ( a ) and 604 ( f ) [ 15 U.S.C. 1681b ( a ) and 1681b ( f ) ], as well as 619 [ 15 U.S.C. 1681q ], and must be immediately and permanently removed in accordance with 605B [ 15 U.S.C. 1681c-2 ].

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint under the authority of the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes to demand immediate deletion of an inaccurate and unauthorized account being reported by Equifax. 

Equifax and its data furnishers are required by federal law to provide documented evidence validating the accuracy of any disputed account. 
A verified response is not sufficient without written validation, such as : A signed credit application or contract, Billing statements directly from the creditor, Payment history records, Or legally authenticated account ownership documentation.

Failure to provide these constitutes noncompliance under the FCRA and FDCPA, and any continued reporting of unverifiable data is considered willful publication of false information. My rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and under the FCRA ( 15 U.S.C. 1681i & 1681s-2 ( b ) ).

The account in question is reported as follows : Creditor : XXXX XXXX XXXX Account Type : Credit Card Opened : XX/XX/2021 Reported Balance : {$730.00} XXXX XXXX : {$400.00} Status : Open / Charged-Off / Derogatory This is factually and legally impossible. An account can not simultaneously be open and charged-off. This inconsistency demonstrates that Equifax is publishing false, misleading, and unverifiable information, which constitutes a direct violation of several federal provisions, including but not limited to : Violations Cited 1. 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days of a dispute.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against reporting information known to be inaccurate.

4. 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to correct and update incomplete or inaccurate data after receiving notice of dispute.

5. 15 U.S.C. 1681n Willful noncompliance with FCRA, allowing for statutory, actual, and punitive damages.

6. 15 U.S.C. 1681o Negligent noncompliance with FCRA, creating liability for actual damages and attorney fees.

7. 15 U.S.C. 1681c ( a ) ( 4 ) Reporting obsolete adverse information beyond legal time limits.

8. 15 U.S.C. 1681b ( f ) Permissible purpose violation if data originated from unauthorized or compromised access.

Additional Legal Basis I am also a documented victim of the Equifax data breach, and it is possible this erroneous account stems from identity compromise or mishandled data associated with that incident. Under FTC regulations and state consumer protection laws, including 15 U.S.C. 45 ( a ) ( unfair or deceptive acts or practices ), Equifax bears an enhanced duty of care when handling data breach victims credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
( 15USC 1692 g ) VALIDATION OF DEBTS, I do not recognize how this account is reporting on my credit report.

I do not recognize the debt reported on my credit report.

I don't recognize the account number. 
I don't recognize the account status. 
I do not recognize the account high balance. 
Nor do I recognize the late payments associated with it.. 

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports this morning. Even after refreshing my browser, nothing changed, and this issue remains unresolved. I urgently request that the documents I sent be reviewed carefully so I can stop stressing about this.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Back in XXXX going into XXXX, my cars engine blew out unexpectedly, leaving me in a tough financial situation. My warranty didnt cover the cost of repairs, and I was still responsible for paying off the car loan. I tried to take action and get help through the warranty and other options, but nothing worked out. Now Im still stuck owing money on a car I cant even drive, which has added to my debt and financial stress.

Company response to consumer: Closed with explanation