vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
To : Midland Credit Management , Inc. 
Attn : Compliance Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute & Method of Verification Demand Account # [ Insert Account Number ] To Whom It May Concern : This correspondence serves as a formal dispute and demand for validation of the alleged account referenced above, reported by your company, Midland Credit Management , Inc., on my consumer credit profile. I am disputing the accuracy, legality, and validity of this alleged debt under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

You are hereby instructed to immediately cease all collection activities and provide full documentation validating that : 1. You are the legal owner or assignee of this alleged debt and have full rights to collect.

2. The account has been validated with a complete chain of assignment, from the original creditor to your company, including dates, signatures, and transaction details.

3. A legally binding contract bearing my clients original signature exists that establishes any obligation to pay you or your company.

4. You have accurately and lawfully reported all data to the credit bureaus, and such data reflects a verifiable, complete, and current record.

5. You have not re-aged, altered, or misrepresented any information for the purpose of extending reporting periods or inflating the balance in violation of the FCRA 623 ( a ) ( 1 ) ( A ).

Until you can provide the above documentation, any continued reporting of this account constitutes willful noncompliance and defamation of character under federal law. You are required to delete or update this entry as unverified with all credit reporting agencies if you can not provide full validation within 30 days of receipt of this notice. 

Be advised that your failure to comply will result in formal complaints filed with the CFPB, FTC, and the Attorney Generals Office for each violation of federal law. My client also reserves the right to pursue civil action for damages pursuant to 15 U.S.C. 1681n and 1681o for each negligent or willful act of noncompliance.

Please mail your full response and documentation to the address listed above. Electronic or verbal responses are not acceptable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA. reports me as being 30 days late in XX/XX/year>. I was never late. My card was lost and someone used my card without my knowledge or permission to make charges. I promptly reported the lost card. I was told that I did not have to pay the amount in dispute. None of the charges on the account belonged to me. The fraud dispute was found in my favor, the charges were removed from my account. CBNA continues to report me as late for these unauthorized charges. This is damaging my credit score.

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 2025-10-24 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: PA

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else

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 2025-10-24 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:
Between XX/XX/XXXX and XX/XX/year>, several deposits were made into my account, including {$4000.00} and {$4700.00} on XX/XX/XXXX, {$6800.00} on XX/XX/XXXX, and another deposit on XX/XX/XXXX. These deposits were accepted and reflected in my account at the time. 
On XX/XX/year>, all of these deposits were reversed without warning, and my account was subsequently closed. I was told the deposits were never accepted, which contradicts the account activity and documentation I have. This caused a cascade of financial harm : - My credit score dropped from XXXX to XXXX due to missed payments. 
- Reversal fees hit my credit card on file for essential services including therapy, medication, and insurance. 
- The stress from this situation caused me to lose XXXX pounds and experience significant emotional and physical strain. 
I contacted the company and provided the deposit dates and reversal timeline. I also sent a certified letter to their executive office requesting resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate payment history and reporting entries on my credit report, including accounts with XXXX  showing balances of {$3300.00}, {$1800.00}, {$1800.00}, and {$3200.00}, as well as XXXX XXXX with a balance of {$36000.00}. Despite my prior dispute, these accounts continue to reflect incorrect or unverifiable information, and I have not received any results or explanation regarding their continued reporting. The presence of these inaccuracies misrepresents my financial history and violates the requirements under the Fair Credit Reporting Act to maintain accurate, complete, and verifiable consumer 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 2025-10-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate payment history and reporting entries on my credit report, including accounts with XXXX  showing balances of {$3300.00}, {$1800.00}, {$1800.00}, and {$3200.00}, as well as XXXX XXXX with a balance of {$36000.00}. Despite my prior dispute, these accounts continue to reflect incorrect or unverifiable information, and I have not received any results or explanation regarding their continued reporting. The presence of these inaccuracies misrepresents my financial history and violates the requirements under the Fair Credit Reporting Act to maintain accurate, complete, and verifiable consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
I am a victim of the TransUnion and Experian data breaches, which exposed my personal and financial information. As a result, several unauthorized and inaccurate accounts were opened and reported on my credit file. These include Capital XXXX accounts reported as charged off and collections, and collection accounts from XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). I have never authorized or opened these accounts. I submitted disputes to have these items removed under 15 U.S.C. 1681 and 1681c-2 of the Fair Credit Reporting Act, which requires deletion of fraudulent and unverifiable information resulting from identity theft. I am requesting immediate removal of all negative items and written confirmation once completed.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I am disputing the XXXX auto account ( # XXXX ) because it is being reported inaccurately and without verifiable proof of repossession or deficiency balance. I sent this document XXXX XXXX. This furnisher has failed to validate the alleged debt or provide certified documentation supporting the claim. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) Failure to maintain maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after dispute.

1681s-2 ( b ) Furnishers duty to investigate and correct or delete unverifiable information.

1681i ( a ) ( 5 ) ( A ) Duty to delete information that can not be verified.

It also violates the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ) ), which requires validation before any collection or continued reporting activity. 

CNAC has not produced a single signed contract, payment ledger, or repossession order to confirm ownership, balance, or sale details, which means the account is legally unverifiable and must be deleted immediately from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  opened XX/XX/XXXX, XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX, XXXX. XXXX XXXX XXXX date XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX, XXXX. XXXX XXXX date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed, yet they still remain. This continued inaction is unacceptable and raises serious concerns about potential identity theft. The presence of these fraudulent entries is causing ongoing emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
This is not a mistake. My credit report contains inaccurate entries that are harming my creditworthiness and causing real emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX  chime XXXX XXXX.cause.chime authorized it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am filing this complaint because Citi refused to waive XXXX {$40.00} returned payment fees ( {$80.00} total ) despite my strong payment history and the issue being corrected. I typically make more than the minimum and pay multiple times per month, and I have no pattern of missed or returned payments.

The only reason the payments were returned was a one-time misalignment between my pay schedule and the auto-pay date, which Citi does not allow me to choose. I have since updated the payment method to a savings account that is not connected to other bills, so this issue can not happen again. 

I requested a courtesy adjustment through Citi and also asked for a partial waiver of at least one of the two fees. Citi denied the request entirely, stating only that the fee is valid, without considering my positive payment history, the fact that I routinely make multiple payments each month, the correction of the issue, or the standard practice at other banks to extend a one-time courtesy in these exact circumstances.

I am asking CFPB to review Citis refusal to offer a courtesy or partial waiver given : Clean and consistent payment history I routinely make more than one payment each month One-time issue beyond my control Issue fully corrected Other major banks do provide courtesies in comparable cases I am requesting that Citi reverse one or both of the returned payment fees as a good-faith courtesy.

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 monetary relief
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
Account XXXX, XXXX was never late. Every payment for this account was made on time! There was never a late payment, account is showing an incorrect missed payment. 
Have reached out to this company with no success or response!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I cant use my license its telling me my audit number is wrong my SS number has been used credit card have been opened and used in my name a major debt has been ran in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I cant use my license its telling me my audit number is wrong my SS number has been used credit card have been opened and used in my name a major debt has been ran in my name

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 2025-10-24 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:
I am disputing an account that appears on my credit report which I never opened or authorized. The account is being reported by XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) and is inaccurately showing late payments severely harming my credit score. 

I filed disputes with all three major credit bureaus XXXX XXXX, and TransUnion more than three times but each verified the account as accurate and verified, even though I never opened it. 

After that, I mailed a formal debt validation letter to XXXX XXXX by certified mail, requesting documentation that shows I opened or authorized this account. It has now been over 50 days since they received my letter, and they have not provided any response or documentation. 

This failure to respond violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX continues reporting unverified and inaccurate information, and the credit bureaus failed to properly investigate my dispute. 

I am requesting that : The unverified account be deleted from all of my credit reports. 
XXXX XXXX be investigated for failing to validate the alleged debt. 
The credit bureaus be reviewed for improper reinvestigation procedures under the FCRA.

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