vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for willfully violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ), 1681e ( b ) ) and obstructing my ability to dispute inaccurate information. 

On XX/XX/year>, Equifax responded to my formal disputes concerning two accounts : * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ( XXXX ) Equifax refused to conduct a new investigation, citing that these items had already been disputed " at least twice '' and labeling my most recent dispute as frivolous.

This response is unlawful for the following reasons : 1. No new investigation was conducted, yet Equifax claims the accounts were verified again this violates my right to a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 


XXXX. Equifax failed to provide any documentary evidence from the furnishers of the accounts to support verification. 


XXXX. Neither XXXX XXXX nor XXXX XXXX XXXX provided proper debt validation as required by 15 U.S.C. 1692g ( b ). They only sent generic statements, which do not meet federal standards of proof.

4. The use of the term frivolous is abusive, as Equifax did not provide adequate legal justification or a legitimate finding of intent to harass under FCRA standards. 


XXXX. These accounts continue to damage my credit history with remarks such as collection, charged-off, or purchased debt, despite being inaccurate and unverifiable. 



I am demanding that the CFPB require Equifax to : Immediately delete the XXXX XXXX XXXX XXXX XXXX  accounts from my credit report. 

Provide proof that these items were fully verified with legitimate documentation. 

Stop obstructing my rights with baseless " frivolous '' claims. 


Attached as evidence is the XX/XX/year> letter from Equifax refusing to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

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- Account number XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records on convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

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- Account number XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records on convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was called on XX/XX/year> from someone representing Citibank on my cell phone. He told me that someone was trying to purchase products from XXXX from three different cities and wanted to help me lock my account. He had my social security number, my name, and my account number. He put me on hold for a few minutes and then gave me what he called a confirmation number and had me repeat it back to him. After I hung up the phone a checked my Citibank account and {$50000.00} was wired to XXXX XXXX. I contacted the Bank within 8 minutes to have them stop the transaction. They said it was too late. They gave to the fraud department. No one has contacted me from the fraud department with any questions, and they would not let me talk to anyone from that department. I have been on the phone for hours with the bank trying to get information and to transfer what was left of my money over to another account. The transfer happened after two days of phone calls but then they locked my account. I want to get my money out of that bank and transfer to one that is safer. They denied my fraud claim saying it was approved on my cell phone. The hacker cloned my phone somehow to give the approval for the transfer. My son tried to call me on my cell and the hacker answered it. I have two step verification on that account, and I never received a text. It went to his phone by what I assumed was some kind of call forwarding. I also, tried to get on my computer to access my account and he apparently got my info from it and crashed my computer so I could not log on. I have filed with the FTC, and the local police department. I did finally get a letter from them denying my claim and with a claim number : XXXX. When I tried to transfer my remaining funds, it said it could only transfer {$10000.00} a day. So how does this hacker get {$50000.00} in five minutes?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain inaccurate information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting that these items be investigated and either corrected or removed due to their inaccuracy and unreliability.

The FCRA requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Section 1681e ( b ) states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. '' Additionally, under Section 1681i ( a ) ( 5 ) ( A ), if an investigation concludes that the information is inaccurate or can not be verified, the CRA must promptly delete that item from the consumer 's file.

The following accounts are in dispute due to [ choose one or more : incorrect balance, wrong payment status, inaccurate personal information, duplicate account, outdated information, etc. 

1.XXXX XXXX XXXX XXXX  Account XXXX XXXX 2.XXXX XXXX XXXX XXXX Account XXXX XXXX 3XXXX XXXX XXXX XXXX Account # XXXX 4XXXX XXXXXXXX XXXX XXXX Account # XXXX Please XXXXonduct an investigation into these matters and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report in accordance with the law.

Enclosed are copies of supporting documentation ( e.g., credit report, ID, proof of address, statements ) to assist in your investigation.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day time period provided by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of accounts with a {$0.00} balance that are negatively affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. The reporting of negative marks on accounts with a {$0.00} balance is misleading and violates my consumer rights. The following accounts are being disputed : 1. XXXX XXXX XXXX and Account # XXXX Basis for Dispute : Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Additionally, FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to request documentation verifying the accuracy of the reported information. Because these accounts have a {$0.00} balance, they should no longer carry negative reporting, such as late payments. Continuing to report derogatory marks on accounts that are no longer active obligations is inaccurate and does not comply with FCRA accuracy standards. Requested Action : I request that your agency promptly investigate and take the following corrective actions : 1. Verify the accuracy of the negative reporting on the accounts listed above. 2. Remove the negative information if it can not be properly verified. 3. Update the accounts to reflect either accurate positive reporting or delete them entirely from my credit file.Supporting Documentation : To assist with your investigation, I have enclosed the following : A copy of my credit report, highlighting the disputed accounts. A copy of my government-issued ID for identity verification. Proof of address, such as a utility bill or bank statement. Response Deadline & Next Steps : As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the negative reporting is verified, I request that you provide documentation detailing the verification process, including all records relied upon. Failure to comply with these requirements may result in further action to enforce my consumer rights. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. Sincerely, XXXX XXXX XXXX XXXX XXXX and Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of accounts with a {$0.00} balance that are negatively affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. The reporting of negative marks on accounts with a {$0.00} balance is misleading and violates my consumer rights. The following accounts are being disputed : 1. XXXX XXXX XXXX and Account # XXXX Basis for Dispute : Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Additionally, FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to request documentation verifying the accuracy of the reported information. Because these accounts have a {$0.00} balance, they should no longer carry negative reporting, such as late payments. Continuing to report derogatory marks on accounts that are no longer active obligations is inaccurate and does not comply with FCRA accuracy standards. Requested Action : I request that your agency promptly investigate and take the following corrective actions : 1. Verify the accuracy of the negative reporting on the accounts listed above. 2. Remove the negative information if it can not be properly verified. 3. Update the accounts to reflect either accurate positive reporting or delete them entirely from my credit file.Supporting Documentation : To assist with your investigation, I have enclosed the following : A copy of my credit report, highlighting the disputed accounts. A copy of my government-issued ID for identity verification. Proof of address, such as a utility bill or bank statement. Response Deadline & Next Steps : As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the negative reporting is verified, I request that you provide documentation detailing the verification process, including all records relied upon. Failure to comply with these requirements may result in further action to enforce my consumer rights. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. Sincerely, XXXX XXXX XXXX XXXX XXXX and Account # 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 2025-05-06 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: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible. ''

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