vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
I am filing this complaint because Experian has demonstrated a pattern of inconsistent and negligent handling of my dispute regarding XXXX XXXX XXXX ( XXXX ). 

For over a year, I disputed the XXXX account as inaccurately reported. Each time, Experian responded that the account had been verified as accurate and refused to update or delete it. Despite my repeated disputes, certified letters, and supporting documentation, Experian maintained this position. 

However, as of late XX/XX/, Experian has now deleted the XXXX tradeline from my report. This outcome directly contradicts their prior repeated responses that the account was verified as accurate. 

This raises a serious compliance issue under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If Experian previously verified the account as accurate, why was it later removed? This suggests that earlier investigations may not have been reasonable, as required by law. 

I am requesting that the CFPB investigate Experians dispute-handling process and determine : 1. Whether Experian actually obtained documentation from XXXX when they previously marked the account as verified. 
2. Why the account was deleted after months of being verified as accurate.

3. Whether Experians repeated verifications without correction amount to negligent or willful noncompliance with their obligations under the FCRA. 

Consumers should not have to fight for over a year, send multiple certified letters, and file CFPB complaints to correct inaccurate credit reporting only for the bureau to suddenly delete an account it had repeatedly insisted was accurate.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

CITICARDS CBNA 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 2025-09-15 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:
I was a part of Data breaches by XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX These inquires are fraudulent and do not belong to me, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Barclays BankXXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. Barclays BankXXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BARCLAYS BANK/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 2025-09-15 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 submitted formal disputes to TransUnion, Experian, and Equifax regarding inaccurate personal information and XXXX derogatory accounts that are being reported incorrectly. First, my credit reports list multiple addresses that are not and have never been associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and XXXX XXXX XXXX AV XXXX, XXXX, FL XXXX. I submitted disputes under FCRA 605B and 611 ( 15 U.S.C. 1681c-2 and 1681i ), but the credit bureaus have failed to remove these addresses or provide any results of a reinvestigation.

Additionally, there are two derogatory collection accounts listed on my credit reports that were not properly verified. The first is from XXXX XXXX XXXX, appearing on both TransUnion and Equifax, showing a balance of {$1400.00}, marked as charged off, with XXXX delinquencies reported on Equifax. Despite submitting disputes regarding this accountespecially considering its possible link to the inaccurate addressesthe account still shows Account not disputed, and no reinvestigation has occurred. The second account is from XXXX ( original creditor XXXX XXXX XXXX  ), showing a balance of {$1100.00}, reported as a charge-off by all three bureaus. This account also shows Account not disputed, which is false. I have not received any evidence that these items were verified or properly investigated, and no bureau has updated or corrected the reporting. This constitutes a failure by all three credit reporting agencies to comply with their obligations under FCRA 611 to reinvestigate disputed items and correct or remove unverifiable 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 2025-09-15 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: NY

Complaint narrative:
My creditor and credit information was shared to my fathers credit report. This mistake in turn created a snowball effect where he was mistakenly not approved for credit, and my credit card debt was reported on his account. This resulted in embarrassment and violation to my privacy. I do not live at his address, and he has never lived at mine. This mistake is unwarranted and uncalled for, especially in this climate of technology where mistakes like this one should not happen.

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 2025-09-15 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: TX

Complaint narrative:
This correspondence serves as my dispute of the late payment reported on my credit file. I have maintained a reliable payment history, and this reporting is clearly erroneous. Its presence harms my credit profile and misrepresents my financial responsibility.

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 2025-09-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Penn Credit Corporation
State: FL

Complaint narrative:
OF Course! Once again XXXX is reporting Inaccuracy Information. This is a third party Account. I went to the Hospital during Covid 19. And I was told that this account was reported as a medical world DISASTER! And I wouldnt have to pay. This is after the effect some one or two years later after they kept calling and harassed me. This account is user two different Names that I know nothing about PENN CREDIT CORP! Never had any dealings with them. Never signed any contract with them, but they keep calling me. Never agreed to anything with this company.so J did say that I will get in touch with THE FAIR CREDIT REPORTING ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate.

XXXX Account Number : XXXX Please remove it from my credit report. 

3.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation.

XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate.

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: MA

Complaint narrative:
My credit report shows a collection account from First Credit Services for XXXX XXXX NJ in the amount of {$130.00}. I have never been to XXXX XXXX, never signed any agreement or membership contract with them, and until now, I did not even know what type of business this was. 

This account is fraudulent and inaccurate. To make matters worse, First Credit Services has repeatedly engaged in harassing and unlawful conduct. They have contacted my family members, including my sister and my ex-partner, despite being told to stop. They have called after hours, including early morning calls as early as XXXX XXXX  which is outside the lawful timeframe for debt collection calls. 

Their actions violate several provisions of federal and state law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c prohibits contacting third parties ( such as family members ) about a debt, except for location information, and even then only once. Repeated calls to relatives are unlawful.

FDCPA, 15 U.S.C. 1692d prohibits conduct intended to harass, oppress, or abuse, including repeated calls or calls at inconvenient times ( before XXXXXXXX XXXX or after XXXXXXXX XXXX  ). 

FDCPA, 15 U.S.C. 1692e prohibits using false, deceptive, or misleading representations, including attempting to collect a debt not owed.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i requires credit reporting agencies to remove unverifiable or inaccurate information once disputed.

Massachusetts Debt Collection Regulations, 940 CMR 7.04 ( 1 ) ( f ) & ( h ) prohibit communicating with third parties and prohibit placing telephone calls to a debtors home at times known to be inconvenient, including before XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax can not report the same account consistently. 
They are re-aging the account ( illegal under FCRA 605 ).

They are changing high credit values ( FCRA 607 accuracy violation ).

They are misrepresenting charge-off balances ( misleading under 623 ).

They even contradict themselves on repossession status.

Thats a pattern of willful noncompliance which supports not just deletion, but your claim for statutory damages, restitution, and regulatory enforcement. 

Heres how the details and steps I will take XXXX. I have Attach both Equifax reports ( XX/XX/year> and XX/XX/year> ). 
2. Attach the comparison table ( the one I drafted ).

3. Stated harm clearly : Re-aging kept this derogatory account alive beyond legal limits.

Inconsistent reporting caused score drops, denials, and emotional/financial stress.

Youve already had to involve the Attorney General. 
4. Request Relief : Deletion of XXXX across all CRAs. 
Removal of any inquiries tied to the inaccurate reporting. 
Restitution for damages ( statutory {$1000.00} per FCRA violation, plus any actual losses ). My loses are great Referral for enforcement action/prosecution against XXXX and Equifax for systemic violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-15 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
This company is horrible they take weeks and weeks to get back to me on certain things, when is you I had was purchase that was denied so I ran purchased another way then purchase goes through retailer says there's nothing they can do argue the bank, bank says that it was not fraud even though they pushed second transaction and I had only authorized one although when getting expensive thing in the mail when item says it showed up but even post office says nothing was delivered they still refused fraud and now they have completely restricted my account without any type of warning or notification I have spent hours and over {$75.00} in fees just trying to get my money out of their system, they're deny me basic services that they say are offered but have been restricted without saying restricted on them without any explanation at this point I feel this company owes me over at {$5000.00} or {$6000.00} alone in fraudulent transactions and service fees incurred by their seemingly invisible restrictions I get the same automatic responses that try to pin all of this on my malfunctioning hardware or updated information needed but at this point it's gone on for months it appears to be in retaliation from lawsuit. It takes weeks for them to get back to me on matters, so there are so many of them that just go unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.L J ROSS ASSOCIATES IN XXXX

Company response to consumer: Closed with explanation