vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 filing a complaint to follow up on my prior disputes regarding several accounts that continue to appear on my credit report despite lacking proper verification, substantiation, or supporting documentation. These accounts are reported as Charged Off without verifiable proof, including the absence of any 1099-C documentation, and their continued presence on my credit report is inaccurate, misleading, and materially harmful. I am formally demanding the permanent deletion of the following accounts from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$6000.00} Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable investigation whenever a consumer disputes information. Any information that can not be verified must be deleted from the credit report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies maintain maximum possible accuracy of all reported information. The reporting of these accounts as Charged Off, without proper verification or supporting documentation, is a direct violation of this obligation.

Moreover, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are legally required to report only accurate and verifiable information to credit reporting agencies. The continued reporting of these accounts, without substantiation, misrepresents my financial history and causes tangible harm to my creditworthiness. Reporting accounts as charged-off without proper documentation exposes the credit bureaus to potential legal liability and constitutes a failure to comply with federal law.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'VE DISPUTED THIS ACCOUNT MULTIPLE TIMES, WITH NO UPDATE FROM THE REPORTING AGENCIES OR THE COMPANY HOLDING THE ACCOUNT. THIS ACCOUNT IS NOT MINE. I HAVE NO RECOLLECTION OF SAID ACCOUNT, AND I'M REQUESTING A REMOVAL OF THE ACCOUNT IMMEDIATELY. ACCOUNT NAME AND NUMBER ARE LISTED BELOW. I'M ATTACHING MY FTC LETTER, WHICH I PREVIOUSLY SENT TO THE CREDIT BUREAUS. ACCOUNT WAS ALSO RECENTLY CLOSED. 

ACCOUNT NAME : 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'VE DISPUTED THIS ACCOUNT MULTIPLE TIMES, WITH NO UPDATE FROM THE REPORTING AGENCIES OR THE COMPANY HOLDING THE ACCOUNT. THIS ACCOUNT IS NOT MINE. I HAVE NO RECOLLECTION OF SAID ACCOUNT, AND I'M REQUESTING A REMOVAL OF THE ACCOUNT IMMEDIATELY. ACCOUNT NAME AND NUMBER ARE LISTED BELOW. I'M ATTACHING MY FTC LETTER, WHICH I PREVIOUSLY SENT TO THE CREDIT BUREAUS. ACCOUNT WAS ALSO RECENTLY CLOSED. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I asked tekCollect to verify a debt I owed. They sent me a debt verification which proves the debt isnt mine. Different address I have never lived in not even in that state. Different phone number. Different social security number, different email. Different birthdate and signature. Also a company I have never even dealt with is the company they are trying to collect for from an installment agreement I never had. They also do not even have my mailing address and used public records to send it to an old address that I never lived at but know the owner who forwarded it to me. The signature on the paperwork is not even a real signature, it is a digital signature that was auto populated by a text to signature app. As confirmed by forensic analysis through a handwriting application. This is blatant fraud by TekCollect

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX, which was closed before the core issue was addressed. 
My dispute concerns Citibanks improper re-aging and false delinquency reporting on my Home Depot Consumer Credit Card ( account ending XXXX ). 

The account became delinquent in XXXX  and was settled and closed in XX/XX/XXXX with a {$0.00} balance and a Form 1099-C issued for tax year XXXX. However, Citibank later furnished new data to the credit bureaus that made the account appear active and newly delinquent in XXXX, including false missing-payment codes and an updated Date of First Delinquency ( DOFD ). 

This conduct violates FCRA 623 ( a ) ( 5 ) and the CFPB/FTC Data Furnisher Accuracy Guidelines , which prohibit altering or refreshing the DOFD after charge-off or settlement. 
Citibanks XX/XX/XXXX response simply restated account history and attached statements but did not address or correct the re-aging issue. Their inaction caused my credit score to drop nearly XXXX points during their investigation. 

I request that the CFPB require Citibank to : Reinvestigate the DOFD and delete all data implying XXXX activity. 

Correct or remove any tradeline entries showing ongoing delinquency or missing payments. 

Provide written confirmation that accurate, time-limited data has been furnished to XXXX XXXX  and XXXX. 

This complaint seeks a proper reinvestigation of the inaccurate data, not a re-litigation of the account balance.

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 2025-10-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX, which was closed before the core issue was addressed. 
My dispute concerns Citibanks improper re-aging and false delinquency reporting on my Home Depot Consumer Credit Card ( account ending XXXX ). 

The account became delinquent in XXXX and was settled and closed in XX/XX/XXXX with a {$0.00} balance and a Form 1099-C issued for tax year XXXX. However, Citibank later furnished new data to the credit bureaus that made the account appear active and newly delinquent in XXXX, including false missing-payment codes and an updated Date of First Delinquency ( DOFD ). 

This conduct violates FCRA 623 ( a ) ( 5 ) and the CFPB/FTC Data Furnisher Accuracy Guidelines , which prohibit altering or refreshing the DOFD after charge-off or settlement.

Citibanks XX/XX/XXXXXXXX   response simply restated account history and attached statements but did not address or correct the re-aging issue. Their inaction caused my credit score to drop nearly XXXX points during their investigation. 

I request that the CFPB require Citibank to : Reinvestigate the DOFD and delete all data implying XXXX activity. 

Correct or remove any tradeline entries showing ongoing delinquency or missing payments. 

Provide written confirmation that accurate, time-limited data has been furnished to XXXX, XXXX, and XXXX. 

This complaint seeks a proper reinvestigation of the inaccurate data, not a re-litigation of the account balance.

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 2025-10-31 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: AL

Complaint narrative:
XXXX XXXX Balance {$10000.00} Account Number XXXX Date Opened XXXX Regional Finance Balance {$5700.00} Account XXXX Date Opened 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 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I asked for proof as to why my account was closed due to violation of their policy, with gambling or any related activity. even though I know I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: DE

Complaint narrative:
National Recovery Agency, I am writing to follow up on my previous correspondence dated XX/XX/25, regarding the disputed debt related to the utility bill, account number XXXX. Despite my formal request for validation and verification of this alleged debt, I have not received any response or satisfactory evidence from your agency. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally obligated to provide the requested documentation to substantiate the debt. As you have failed to validate the debt within the stipulated timeframe, I demand the immediate removal of this alleged debt from any and all credit reporting agencies. This obligation extends to ceasing all collection activities in accordance with FDCPA guidelines. 
Additionally, as per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Since the alleged debt remains unvalidated, its continued presence on my credit report is a violation of FCRA regulations. Therefore, I insist on its permanent removal from my credit report without further delay. 
Please be advised that I am prepared to take legal action to enforce my rights under both the FDCPA and FCRA if necessary. I urge you to treat this matter with urgency and ensure compliance with consumer protection laws. 
Thank you for your immediate attention to this issue. I expect a prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously disputed inaccurate late payment entries on my Transunion credit report for account number XXXX, showing late dates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These entries are the result of creditor reporting errors, not any failure to pay. Despite my prior disputes and documentation, Transunion has failed to verify, correct, or delete the inaccurate information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Transunion has not provided proof of verification or disclosed how the entries were confirmed, which is a violation of its duty to conduct a reasonable reinvestigation. 

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 non-monetary relief
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-31 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX my rights 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX my rights 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
am formally disputing the reporting of the account listed below, which appears on my credit file : This account is being reported without my authorization and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under the FCRA, no company or furnisher of information has the right to access, use, or report my personal information without my written consent or a permissible purpose as outlined in 15 U.S.C. 1681b. I have never given XXXX XXXX XXXX any written authorization or consent to obtain, furnish, or share my personal information with any third party, including your agency. 

Because XXXX XXXX XXXX does not have a permissible purpose under federal law to report or access my credit information, you are required under 15 U.S.C. 1681i to : 1. Conduct a full reinvestigation of this account ; 2. Request written proof of authorization from the furnisher ( XXXX XXXX XXXX ) ; and XXXX. If they can not provide such documentation, immediately delete this account from my credit report. 

If you continue to report this account without verified proof of permissible purpose or written consent, this will be considered willful noncompliance under the FCRA, and I will take further action by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office. 

Please send me written confirmation once your investigation is completed and the results of your findings. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
am formally disputing the reporting of the account listed below, which appears on my credit file : This account is being reported without my authorization and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under the FCRA, no company or furnisher of information has the right to access, use, or report my personal information without my written consent or a permissible purpose as outlined in 15 U.S.C. 1681b. I have never given XXXX XXXX XXXX any written authorization or consent to obtain, furnish, or share my personal information with any third party, including your agency. 

Because XXXX XXXX XXXX does not have a permissible purpose under federal law to report or access my credit information, you are required under 15 U.S.C. 1681i to : 1. Conduct a full reinvestigation of this account ; 2. Request written proof of authorization from the furnisher ( XXXX XXXX XXXX ) ; and XXXX. If they can not provide such documentation, immediately delete this account from my credit report. 

If you continue to report this account without verified proof of permissible purpose or written consent, this will be considered willful noncompliance under the FCRA, and I will take further action by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office. 

Please send me written confirmation once your investigation is completed and the results of your findings. 

Thank you for your prompt attention to this matter.

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 2025-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roadrunner Account Services, LLC
State: TN

Complaint narrative:
Roadrunner Financial is inaccurately reporting my auto loan as charged-off and unpaid. The loan was settled in full through their servicer XXXX on XX/XX/year> ( original balance {$2700.00}, paid {$1400.00} ). XXXX confirmed payment and stated they do not furnish data to the credit bureaus, only to Roadrunner. 

After XXXX first dispute, Roadrunner verified the account as unpaid. I called Roadrunner on XX/XX/year> and their rep said they no longer have my account and theres nothing they can do. I then contacted XXXX again, who confirmed they sent payment info directly to Roadrunner.

I re-disputed with Experian and attached proof of payment, but Roadrunner again verified the account as unpaid. They are furnishing information they know is inaccurate and failing to update paid status, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation