vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX | XXXX : XXXX My name is XXXX XXXX and I'm XXXX for your help, I'm NOT A COMPANY! You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX  Acct # XXXX XXXX  | Collection/Chargeoff | Balance {$7900.00} | Charged Off * Violations : FCRA 609 ( failure to provide original signed contract ), FCRA 611 ( failure to properly reinvestigate ), FCRA 623 ( a ) ( XXXX ) ( A ) ( reporting information known to be inaccurate ). XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Auto Loan | Balance {$21000.00} | Charged Off | Late payment history prior to charge-off * Violations : FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly reporting inaccurate data ), FDCPA 809 ( b ) ( no validation ), FCRA 611 ( continued reporting after disputes ). XXXX Card Acct # XXXX XXXX XXXX XXXX XXXX XXXX | Revolving | Reported XXXX late payments ( XXXX ) * Violations : FCRA 623 ( a ) ( 1 ) ( B ) ( furnisher duty to report accurately these lates are disputed as inaccurate ), FCRA 611 ( a ) ( failure to reinvestigate prior disputes ). You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. Please provide the following within 30 days : XXXX. Original signed contract or agreement showing I am legally obligated. XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). XXXX. Name and address of the original creditor, if different from your agency. XXXX. Proof of your license/authorization to collect debts in my state. XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX Equifax, and XXXX. If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
Dispute Letter to CFPB Violation of 15 U.S. Code 1666c XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Improper Credit Reporting During Billing Dispute To Whom It May Concern, I am submitting this formal complaint regarding a violation of my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666c, which prohibits creditors from reporting a payment as delinquent to any consumer reporting agency while a billing dispute is pending.

On [ insert date ], I submitted a written dispute to [ insert creditor name ] regarding a charge on my account. Despite following the procedures outlined in 15 U.S. Code 1666, including timely written notice within 60 days of the billing statement, the creditor reported the disputed amount as delinquent to one or more credit reporting agencies.

This action is in direct violation of federal law. The statute clearly states that no adverse credit reporting may occur while the dispute is unresolved. As a result of this unlawful reporting, my credit profile has been negatively impacted, causing financial and reputational harm. 
I respectfully request that the CFPB investigate this matter and compel the creditor to : Remove the delinquent mark from my credit report immediately Provide written confirmation of correction Ensure compliance with all provisions of the Fair Credit Billing Act moving forward I have attached copies of my original dispute letter, billing statement, and any correspondence received from the creditor. I appreciate your attention to this matter and look forward to a prompt resolution. 
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 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Financed a desktop computer for 0 % Interest for XXXX  years at Best Buy. This was in XXXX of XXXX. I have financed through them before with no issues. I had made my minimum monthly payment every month for 2 years on time, no issues. I was then hit with a {$1700.00} interest charge, putting my balance over {$4000.00}, and causing my credit with Best Buy to become - {$500.00}. When I reached out, one service representative told me I could pay off the XXXX  for {$1900.00} right now and wipe the interest. When I spoke to a CitiBank supervisor, she said if I paid {$1700.00}, they would ignore the charge, which makes no sense because THAT IS the charge. I asked what were my payments going to for 2 years since she said " the promotional period '' had expired and she told me that my payments monthly weren't going directly to what I was financing, rather the whole balance on my card, which i've had for years before that. An absolute malicious practice they are enforcing and frankly I want the charges wiped completely.

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 2025-10-26 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: TX

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) be in error : XXXX. Data Breach XXXX XXXXXXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Data Breach XXXX  Date of inquiry : XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Data Breach XXXX XXXXXXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: MS

Complaint narrative:
Complaint for XXXX Reporting Agencies Statutory Default / Failure to Delete Unverified Account Transunion/ XXXX : still working on it XX/XX/year> CFPB reports XXXX XXXX XXXXXXXX cant find account in my name XX/XX/year> Company responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with explanation Company 's Response Regional is unable to locate an account in your name. 
That is legal confirmation the debt does not exist. 

Title : Credit Reporting Agencies Out of Time Failure to Delete After Furnisher Admitted No Account Exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CL Holdings LLC
State: NY

Complaint narrative:
There are XXXX JeffersonXXXX XXXXXXXX XXXX I previously filled out a FTC sent all proper documents in to get it removed and now its reappearing on my report without proper notification by law and nothing XXXX supersede the FTC and a police report. This needs to be removed and permanently blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against experian, equifax, and transunion and data furnishers who reporting inaccurate and unverifiable negative information on my credit reports. I am exercising my rights under the FCRA including but not limited to : 602 ( A ) - Right to fair and accurate reporting ; 611- Right to dispute inaccurate information ; 623- Furnisher responsibility to provide complete and accurate information ; 609- Right to request verification of accounts.

After reviewing my credit reports from Equifax, Experian, and transunion, I found negative accounts and information that are inaccurate, unverified, or can not be validated as required by federal law. These accounts are causing financial harm, including difficulty obtaining credit, housing and fair interest rates. 

I am requesting your assistance to compel the credit bureaus and furnishers to provide complete validation for each disputed item or remove all entries that can not be fully verified Disputed Accounts : Applied Bank ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; A plus federal Credit union ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; Despite providing supporting documentation, they have NOT performed a reasonable investigation or removed unverifiable data. 

I request the CFPB in enforcing compliance and ensuring these inaccurate accounts are removed from my credit report. 

Documentation included : Credit report ; ID Sincerely, 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 2025-10-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against experian, equifax, and transunion and data furnishers who reporting inaccurate and unverifiable negative information on my credit reports. I am exercising my rights under the FCRA including but not limited to : 602 ( A ) - Right to fair and accurate reporting ; 611- Right to dispute inaccurate information ; 623- Furnisher responsibility to provide complete and accurate information ; 609- Right to request verification of accounts.

After reviewing my credit reports from Equifax, Experian, and transunion, I found negative accounts and information that are inaccurate, unverified, or can not be validated as required by federal law. These accounts are causing financial harm, including difficulty obtaining credit, housing and fair interest rates. 

I am requesting your assistance to compel the credit bureaus and furnishers to provide complete validation for each disputed item or remove all entries that can not be fully verified Disputed Accounts : Applied Bank ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; A plus federal Credit union ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; Despite providing supporting documentation, they have NOT performed a reasonable investigation or removed unverifiable data. 

I request the CFPB in enforcing compliance and ensuring these inaccurate accounts are removed from my credit report. 

Documentation included : Credit report ; ID Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NJ

Complaint narrative:
There are unauthorized hard inquiries on my credit report that I did not approve or authorize. I am requesting that these inquiries be investigated and removed. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-26 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this dispute to TD auto finance on my credit report without my authorization knowledge or consent, I did not apply for open or authorize this account in any capacity. I have no contractual relationship with the creditor or lender listed or have I ever received benefits from any vehicle or financial association with this account under the FCR a subsection 605B ( 15 USC subsection 1681C 2 I am demanding that this account be blocked and permanently removed from my credit report within four business days a receipt of this notice the furniture must also cease reporting or re-reporting this information to any consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To remove all ally auto financial accounts and inquiries and late payments reporting on XXXX XXXX credit report and consumer reports XXXX XXXX did not give consent or permission of authorization of any kind to use information that would effect his credit score consumer report and credit profile under federal law I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any such debt, In fact 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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am formally requesting that you cease all collection activity regarding the account you have associated with my name and/or personal information. The alleged debt you are attempting to collect does not belong to me, and I dispute any claim that I owe it. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are required to stop all communication and collection efforts once notified of a dispute. Additionally, you must not report, or must immediately remove, any inaccurate or unverifiable information you may have furnished to any credit reporting agencies. 

Please provide written confirmation that : All collection activity on this account has ceased ; and Any records or credit reporting related to this alleged debt have been deleted or corrected to reflect that I am not responsible for this debt. 

This letter is not a request for verification but a clear notice of dispute and cease communication. I expect written acknowledgment within XXXX  days confirming your compliance with this request. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
I mailed a letter to the company on XX/XX/2025 about a attempted fraudulent account and asked for a copy of the original application filed online to turn in to XXXX  XXXX XXXX XXXX XXXX, XXXX  Police Department case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
XXXX was my telecommunications provider. I personally canceled my account both in person and over the phone prior to moving. The in-store representative confirmed the account was closed and that no balance remained. Despite that confirmation, XXXX failed to process the cancellation correctly and later sent an alleged unpaid balance to Eastern Account Systems for collection. 

I did not receive any valid billing statement or notice indicating that a balance remained after the cancellation. The first notice I received about any balance was from the collection agency. The amount being reported is inaccurate, as the account should have been closed and settled at the time of cancellation. 

This erroneous collection has caused negative effects on my credit profile. Supporting documentation has been provided, including proof of the call and text confirming the account was closed. I am requesting that the Consumer Financial Protection Bureau assist in removing this inaccurate collection and ensure both XXXX and Eastern Account Systems correct or delete the entry in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally auto financial report inaccurate information thats effecting my business my credit report and credit score and my consumer report under federal law I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any such debt, In fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a request to update my primary address to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked that all other addresses be removed. The company has not updated my file as requested and continues to show other addresses that are incorrect or unauthorized.

Company response to consumer: Closed with non-monetary relief