vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: VA

Complaint narrative:
I am disputing an inaccurate derogatory mark on my student loan account serviced by XXXX ( Account # : XXXX ). My credit report shows a XXXX  day delinquency as of XX/XX/2023, which is incorrect. I had either made payments or was in an approved deferment or forbearance status during that period. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information, and credit reporting agencies are required to investigate and correct any errors within XXXX  days. Despite requesting documentation, XXXX has failed to provide any supporting evidence validating this delinquency.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or should reasonably know is inaccurate. Continuing to report this derogatory mark without proper validation violates my rights under the FCRA. 

I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment history. 


I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment history. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information, and credit reporting agencies are required to investigate and correct any errors within XXXX days. Despite requesting documentation, XXXX has failed to provide any supporting evidence validating this delinquency. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or should reasonably know is inaccurate. Continuing to report this derogatory mark without proper validation violates my rights under the FCRA. 

I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing an inaccurate derogatory mark on my student loan account serviced by XXXX ( Account # : XXXX ). My credit report shows a XXXX  day delinquency as of XX/XX/2023, which is incorrect. I had either made payments or was in an approved deferment or forbearance status during that period. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information, and credit reporting agencies are required to investigate and correct any errors within XXXX  days. Despite requesting documentation, XXXX has failed to provide any supporting evidence validating this delinquency.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or should reasonably know is inaccurate. Continuing to report this derogatory mark without proper validation violates my rights under the FCRA. 

I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment history. 


I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment history. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information, and credit reporting agencies are required to investigate and correct any errors within XXXX days. Despite requesting documentation, XXXX has failed to provide any supporting evidence validating this delinquency. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or should reasonably know is inaccurate. Continuing to report this derogatory mark without proper validation violates my rights under the FCRA. 

I am requesting that XXXX immediately remove this inaccurate late payment and correct my account status to reflect a fully accurate payment 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 2025-05-08 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: NY

Complaint narrative:
I am filing this formal complaint regarding the XXXX XXXX collection account that is currently reported on my credit file. The account has been reported as a collection account with a balance of {$890.00}. I believe that the reporting of this account is both inaccurate and incomplete, and I am requesting the removal of this account from my credit report. 

Reasons for Complaint : Inconsistent Reporting : The account is listed as a collection account, but the reporting contains discrepancies in terms of the payment history and status. The account reflects months marked as C ( collection ) without adequate supporting information about the payments, updates, or account actions. 
Violation of FCRA : The Fair Credit Reporting Act ( FCRA ) mandates that all reported information be accurate, complete, and verified. The incomplete data regarding this collection account violates the FCRAs standards. The information remains unclear and potentially misleading to future creditors reviewing my credit report. 
Failure to Resolve Prior Disputes : I previously disputed the information regarding this account, yet it remains on my credit report with the same inaccuracies. Despite this, no resolution or action has been taken to remove the discrepancies. The account continues to be reported inaccurately, which violates my consumer rights under the FCRA. 


Thank you for your attention to this issue. Please feel free to contact me for any additional 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

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 2025-05-08 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-08 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-08 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: NE

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - TRANSUNION XX/XX/XXXX XXXX XXXX - TRANSUNION XX/XX/XXXX, EXPERIAN XX/XX/XXXX XXXX XXXX TRANSUNION XX/XX/XXXX XXXX EXPERIAN XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX- TRANSUNION XX/XX/XXXX, EXPERIAN XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, EQUIFAX XX/XX/XXXX Has violated my rights . 15 U.S.C 1681 section 602 A states i have the right privacy. 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnig an account without my written instructions

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove the accounts from my report they are hurting my ability to obtain credit. 

I have requested for the debt collect to remove the accounts that are being reported inaccurately and the accounts that do not validate that they belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were not initiated or authorized by me, and I believe they may be a result of identity theft following the 2017 Equifax data breach, which exposed my personal 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I would like to file a formal complaint about a customer service experience involving representative XXXX, which happened today, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called regarding my My Best Buy Visa Gold Card account with parent company Citibank ( Citi ). The representative started extremely rudely and condescendingly, speaking with an attitude. The representative refused to explain exactly what she wanted. She explained to me she needed a phone number at that moment to update my previous phone number for verification to continue with the application, and I gave her an additional phone number ; she said it was not verifiable. I gave her another phone number, all the while she would not explain to me that the number she wanted was regarding what is written in my application. She began to speak to me even more condescendingly and giving a frustrated and bad tone. I was very confused about what she wanted and asked her to explain. I had offered other verifications, SSN, email, I had given her my address, etc. I told her my previous phone number and my current phone number, which I had updated in the application today with my current phone number. She told me to wait a moment, and then proceeded to reject my application. The representative refused to verify my identity, even though I had my Social Security Number and could verify other personal information. When I asked to speak to the manager, she would not for almost 10 minutes, and then redirected me back to the credit line in the beginning with the touch-tone system. 


I am requesting the following : I would like to formally document this complaint. 
That my phone number be updated. 
I receive confirmation of this complaint and any reference number associated with it. 
I appreciate your help resolving this issue. 
Sincerely, 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 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Deceased Moms Home began escrow. I am the Trustee of Moms Trust. Home title is in the name of Moms Trust. Mortgage Loan is in Moms individual name. All payments have been made on time. Payoff request by XXXX XXXX XXXX XX/XX/XXXX. Multiple follow up calls were made by Title Company and myself as Trustee. XX/XX/XXXX all documents were signed for closing. Still no payoff. XX/XX/XXXX Escrow was closed and funded with a holdback of funds for the loan payoff. Mortgage Company requested additional documents and Title Company submitted. Today we were advised that the copy of my drivers license was not clear. 
This process of payoff is not acceptable and costing over {$20.00} a day in additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Credit Refusal Response Letter Legal Notice XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX To : Citi Bank & Macys Department Store Subject : Legal Response to Credit Refusal Decision To Whom It May Concern, This letter is being sent in response to your recent decision to deny my application for credit. Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681m * *, and the * * South Carolina Consumer Protection Code 37-5-108 * *, I am formally requesting the following actions and information : 1. A complete explanation of the specific reasons for the credit denial. 
2. A copy of the credit report or consumer report you used to make your decision.

3. The name, address, and contact information of the credit reporting agency that provided the information leading to the denial.

4. If the decision was based on a credit score, I request disclosure of the score, range, key factors, and the date the score was pulled as required by FCRA. 

You are required under federal law to provide this information free of charge within a reasonable timeframe. Failure to do so constitutes a violation of my consumer rights under * * FCRA 1681m ( a ) * * and applicable South Carolina statutes. 

* * Dispute Clause * * If any of the information that contributed to this credit denial is inaccurate, outdated, or unverifiable, I formally dispute that information and request that it be investigated and corrected in accordance with * * FCRA 1681i * *. Please notify me of the results of any reinvestigation. 

* * Arbitration and Legal Remedies * * If this matter is not resolved in accordance with applicable federal and state laws within * * 30 days * *, I reserve the right to initiate * * binding arbitration or civil action * * for violations of my rights under : - * * FCRA 1681m, 1681i * * - * * South Carolina Code 37-5-108 * * - * * FDCPA and other applicable consumer protection laws * * I also reserve the right to file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and the * * South Carolina Department of Consumer Affairs * *. 

Please govern yourselves accordingly and respond in writing within 30 days of the receipt of this notice. 

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
Bank account was hacked Logged out of account info changed to scammers info so I won't get any notifications. Scammer transferred XXXX to his XXXX XXXX XXXX  at XXXX XXXX  he also changed my credentials to his Email XXXXAlso used my personal account to send funds in the total of XXXX to another account. Cash app is not willing to resolve as Ive clearly been scammed also XXXX XXXX XXXX refuses to help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with federal law under the FCRA and FERPA, following months of repeated disputes regarding inaccurate, unverifiable, and misleading tradelines. Despite providing no proof of investigation, they continue to send automated responses stating the accounts are verified as accurate. This is unlawful.

Disputed Accounts : Dept of EducationXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of Federal Law : FCRA 611 ( a ) ( 1 ) ( A ) No meaningful investigation within 30 days FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) No disclosure of investigation method or evidence FCRA 607 ( b ) Inaccurate and inconsistent reporting between bureaus FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ) Furnishers failed to investigate and correct errors FERPA, 20 U.S.C. 1232g Student loan data disclosed without written consent Metro 2 Format 2.58 Duplicate entries, improper re-aging, conflicting statuses Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must go beyond automated replies Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. 2004 ) Failure to reinvestigate renders CRAs liable Koropoulos v. Credit Bureau, 734 F.2d 37 ( D.C. Cir. 1984 ) Technically accurate but misleading = violation Sepulvado v. CSC, 158 F.3d 890 ( 5th Cir. 1998 ) Misleading duplications violate the FCRA Richardson v. Equifax, 2004 U.S. Dist. LEXIS 27049 Charge-offs must be properly documented or removed

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 2025-05-08 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: MA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with federal law under the FCRA and FERPA, following months of repeated disputes regarding inaccurate, unverifiable, and misleading tradelines. Despite providing no proof of investigation, they continue to send automated responses stating the accounts are verified as accurate. This is unlawful.

Disputed Accounts : Dept of EducationXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of Federal Law : FCRA 611 ( a ) ( 1 ) ( A ) No meaningful investigation within 30 days FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) No disclosure of investigation method or evidence FCRA 607 ( b ) Inaccurate and inconsistent reporting between bureaus FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ) Furnishers failed to investigate and correct errors FERPA, 20 U.S.C. 1232g Student loan data disclosed without written consent Metro 2 Format 2.58 Duplicate entries, improper re-aging, conflicting statuses Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must go beyond automated replies Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. 2004 ) Failure to reinvestigate renders CRAs liable Koropoulos v. Credit Bureau, 734 F.2d 37 ( D.C. Cir. 1984 ) Technically accurate but misleading = violation Sepulvado v. CSC, 158 F.3d 890 ( 5th Cir. 1998 ) Misleading duplications violate the FCRA Richardson v. Equifax, 2004 U.S. Dist. LEXIS 27049 Charge-offs must be properly documented or removed

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