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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against Experian for furnishing inaccurate, inconsistent, and unverifiable information regarding my XXXX XXXX XXXX account ( XXXX ). I am attaching XXXX own ledger and response, which proves Experian is reporting information that XXXX did not furnish. 
1. Experian is reporting postcharge-off CO delinquencies for XXXX and XXXX. 
XXXX official payment history ( attached ) shows : Charge-off date : XX/XX/XXXX Accrual stop : XX/XX/XXXX No billing, no delinquencies, no CO codes after XX/XX/XXXX No entries for XXXX or XXXX except repo/auction expenses Experians reporting of monthly COs in XXXX is not furnished by XXXX and is therefore inaccurate and unverifiable. 
2. Experian is reporting a past due balance in XX/XX/XXXX that does not exist. 
XXXX ledger shows a deficiency balance, not a past due balance. 
Charge-off accounts can not legally carry an updating past-due amount. 
Experian is reporting information XXXX did not provide. 
3. Experian is reporting conflicting update dates. 
Experian shows : Status updated : XX/XX/XXXX Balance updated : XX/XX/XXXX XXXX payment ledger shows absolutely no account activity after XX/XX/XXXX. 
Experians XXXX update is fabricated and inaccurate. 
4. Experians reinvestigation was unreasonable. 
Experian previously marked the account as verified, even though : Their reporting does not match the furnishers own records. 
Their reinvestigation failed to identify multiple factual errors. 
The data being reported is contradictory, incomplete, and inaccurate. 
5. Experian is failing to ensure maximum possible accuracy under FCRA 607 ( b ). 
The attached XXXX ledger and XXXX written response clearly demonstrate : Experian is reporting data that does not exist in the furnishers records. 
Therefore the tradeline is inaccurate and unverifiable

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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint to dispute several hard inquiries that continue to appear on my credit report. Despite my prior requests, these inquiries remain, and I have not received verifiable proof that I authorized these companies to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ), you are required to verify that each inquiry was made with my explicit consent or for a documented permissible purpose. If you can not provide such documentation within 30 days, federal law requires that these inquiries be immediately deleted from my credit report. 

Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for and was instantly approved for a Citi XXXX XXXX Credit Card with a {$20000.00} credit limit. Shortly after receiving the physical card, the account was immediately restricted, and Citi Bank requested an IRS 4506-C form ( Request for Transcript of Tax Return ) to verify income. 

I promptly complied with this request, sending the form multiple times as requested. I also called Citi Bank Customer Service to confirm receipt and was advised to simply wait for the review process to complete. 

Approximately ten days ago, I received a letter stating that Citi Bank had unilaterally closed the account. This closure was executed after I provided the requested documentation and while the account was restricted. The initial approval, subsequent restriction, and final closure have resulted in an unfair and negative impact on my credit history.

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: NV

Complaint narrative:
Subject : Dispute of Charged-Off Accounts, Inquiries, and Late Payments I am writing to dispute multiple items on my Experian credit report. The following accounts are inaccurately reported as charged-off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Lastly, I dispute the late payment entry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my account.

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: 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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} - Date Opened : XX/XX/XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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: NC

Complaint narrative:
I was involved in a identity theft of my SS #, etc. I had a non-authorized charge that was opened in my name without my authorization though a company by the name of XXXX XXXX out of XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. I've reached out to XXXX XXXX multiple times and filed complaints in XXXX and XXXX. I've also reached out and filed disputes with Equifax multiple times in XXXX and XXXX and both companies have not removed the Hard Inquiry form my Equifax credit report. They keep telling me that one or the other companies will reach out to one another and then have it removed. I've got the same response every time now with zero removal or resolution. I do not know what else to do to get the XXXX XXXX  fraudulent charge removed off my Equifax hard inquires. Ive sent all my documents as they have requested via certified mail for the dispute, also requested a dispute over the phone, also disputed it via my credit report below under file dispute, and they still have not removed it. Every time I dispute this charge with Equifax, they continue to say that XXXX XXXX should contact them to inform them to have it removed. When we call XXXX XXXX, they say they called Equifax and alerted them. So now Im going in circles because they both are pointing fingers at one another. I do not know what else to do to get it removed from my Equifax Credit report.

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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX [ XXXX ) XXXX XX/XX/year> Customer Service Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Late Payment Reporting Dear XXXX Customer Service, I am writing to formally dispute inaccurate late payment ( s ) reported on my credit report under the provisions of 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Upon reviewing my credit report, I noticed the following late payment ( s ) attributed to my account, which I believe to be incorrect : - Account Number : XXXX - Late Payment Date : XXXX - Amount : XXXX I have consistently made my payments on time, and I have attached supporting documentation, including going into the branch and your employees saying it was a mistake made on XXXX end, you guys close my account without properly looking at my transactions and not realizing I still had a pending charge when it was your employee who call my phone and told me my collateral money I gave my for my secured credit card will be use to pay off my balance. 

According to 15 U.S.C. 1666 ( b ), I believe this late payment entry is inaccurate and should be reviewed. I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. 

Please confirm receipt of this dispute letter. I would appreciate a timely resolution of this issue and will await your response regarding the investigation results. 

Thank you for your attention to this matter. 

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX [ XXXX ) XXXX XX/XX/year> Customer Service Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Late Payment Reporting Dear XXXX Customer Service, I am writing to formally dispute inaccurate late payment ( s ) reported on my credit report under the provisions of 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Upon reviewing my credit report, I noticed the following late payment ( XXXX ) attributed to my account, which I believe to be incorrect : - Account Number : XXXX - Late Payment Date : XXXX - Amount : XXXX I have consistently made my payments on time, and I have attached supporting documentation, including going into the branch and your employees saying it was a mistake made on XXXX end, you guys close my account without properly looking at my transactions and not realizing I still had a pending charge when it was your employee who call my phone and told me my collateral money I gave my for my secured credit card will be use to pay off my balance. 

According to 15 U.S.C. 1666 ( b ), I believe this late payment entry is inaccurate and should be reviewed. I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. 

Please confirm receipt of this dispute letter. I would appreciate a timely resolution of this issue and will await your response regarding the investigation results. 

Thank you for your attention to this matter. 

Sincerely, 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation