vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
In XX/XX/year>, Experian reported a late payment on my XXXX XXXX student loan. This is inaccurate. 

I contacted XXXX directly, and they provided official documentation ( dated XX/XX/year> ) confirming : The account was in deferment at the time. 

The Past Due Amount was {$0.00}. 

The Next Payment Due Date was not until XX/XX/year>. 

This proves that no XXXX delinquency ever occurred. 

I disputed the error with all three credit bureaus. Equifax and TransUnion corrected the record, but Experian refused. On XX/XX/year>, Experian closed my dispute and stated the account has not been changed and will remain on your credit report, despite the furnishers written confirmation that the late payment should not exist. 

By continuing to report this late payment, Experian is failing to ensure maximum possible accuracy as required by FCRA 607 ( b ) and is knowingly reporting false information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

I am requesting immediate removal of the inaccurate XX/XX/year> late payment from my Experian credit report to bring it into compliance with the law. 

Attachments : XXXX XXXX statement confirming no past due balance. 

Experian dispute results dated XX/XX/year>. 

Would you like me to also create a shorter consumer-facing version you can use if Experians executive dispute team contacts you directly after the CFPB complaint? That way youre ready to speak clearly without all the legal citations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
In XX/XX/year>, Experian reported a late payment on my XXXX XXXX student loan. This is inaccurate. 

I contacted XXXX directly, and they provided official documentation ( dated XX/XX/year> ) confirming : The account was in deferment at the time. 

The Past Due Amount was {$0.00}. 

The Next Payment Due Date was not until XX/XX/year>. 

This proves that no XXXX delinquency ever occurred. 

I disputed the error with all three credit bureaus. Equifax and TransUnion corrected the record, but Experian refused. On XX/XX/year>, Experian closed my dispute and stated the account has not been changed and will remain on your credit report, despite the furnishers written confirmation that the late payment should not exist. 

By continuing to report this late payment, Experian is failing to ensure maximum possible accuracy as required by FCRA 607 ( b ) and is knowingly reporting false information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

I am requesting immediate removal of the inaccurate XX/XX/year> late payment from my Experian credit report to bring it into compliance with the law. 

Attachments : XXXX XXXX statement confirming no past due balance. 

Experian dispute results dated XX/XX/year>. 

Would you like me to also create a shorter consumer-facing version you can use if Experians executive dispute team contacts you directly after the CFPB complaint? That way youre ready to speak clearly without all the legal citations.

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 2025-09-25 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: IN

Complaint narrative:
I am a victim of identity theft, and the account reported under XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent and never authorized by me. I formally disputed this account with Equifax on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within four ( 4 ) business days. Despite this, the account remains on my file. This failure not o
nly violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded. 
The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> RE : Formal Dispute Incorrect Personal Information To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA 609 & 611 ) regarding incorrect personal information reported on my Equifax credit file.

Incorrect information that must be deleted : Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Correct information that must remain : Name : XXXXXXXX XXXX XXXX XXXXXXXX Address : NONE ( XXXX  ) Unde

r FCRA 602 ( A ), credit bureaus must assure maximum possible accuracy. Failure to correct this information is a violation of FCRA 616617, entitling me to legal remedies. I request immediate removal of all inaccurate names and addresses and a corrected credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Several calls stating I owe a debt. I requested on a recorded call to cease and desist all further communication and credit reporting. They still call and report credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for failing to provide a functional dispute process as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my Experian credit report, I identified multiple inaccuracies in the listed accounts, addresses, and employment information. When I attempted to dispute these errors through Experians online dispute system, I encountered significant issues : the system either prevented me from submitting disputes or did not allow me to select appropriate dispute reasons. This failure violates my rights under the FCRA, which requires Experian to investigate disputed information to ensure the accuracy of my credit report. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians non-compliance with its FCRA obligations and ensure that a proper dispute process is provided. 
Please investigate Experians failure to maintain a functional dispute process and ensure compliance with the FCRA. I am available to provide additional documentation or information as needed.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

CITICARDS CBNA 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXXISN'T MY NAME ONLY \XXXX XXXXXXXX XXXXThe other names need to be removed they are fraud and the information attached made me fail a background these aren't my name this is what you added not me!\n\nAnd all these numbers remove all numbers they are not mine only XXXX XXXX XXXXPlease remove all numbers that never belong to me off my credit report..these numbers are attached to criminals that uses address for hotels this is not my number remove all 42 phone number"

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I requested proof of a full and complete debt validation reinvestigation and proof that i gave them permission to furnish my information. I also sent notice of dispute on a previous occasion i got no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing a complaint against Ally Financial regarding unfair and unlawful debt collection and credit reporting practices. Ally Financial is attempting to collect on a debt that I dispute and that has not been properly validated. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), they have failed to provide the required documentation such as the original contract, complete account history, or proof that they have the legal right to collect this debt. In addition, Ally Financial is continuing to report this alleged debt to the credit reporting agencies without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting inaccurate or unverified information damages my credit and constitutes unlawful collection activity. Their actions are : Failing to provide adequate validation of the alleged debt. Continuing collection activity while the debt is in dispute. Reporting inaccurate or unverifiable information to the credit bureaus. Causing harm to my credit standing and financial well-being.

I am requesting that Ally Financial : 1. Provide full validation of the alleged debt, including the original signed agreement, complete account history, and proof of assignment/ownership. 2. Immediately cease reporting unverifiable or inaccurate information to the credit bureaus. 3. Remove any negative credit reporting related to this disputed account until proper validation is provided. The alleged debt amount is {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I SEND ALL THE DOCUMENTS FTC IDENTITY REPORTS DRIVERS LICENSE SOCIAL SECURITY THEY REMOVE THE ACCOUNTS AND PUT THEM BACK ON MY CREDIT

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 2025-09-25 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 SEND ALL THE DOCUMENTS FTC IDENTITY REPORTS DRIVERS LICENSE SOCIAL SECURITY THEY REMOVE THE ACCOUNTS AND PUT THEM BACK ON MY CREDIT

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 2025-09-25 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.Off all my credit reports XXXX XXXXXXXX

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 2025-09-25 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: AR

Complaint narrative:
I am submirring to formally dispute the reporting of inaccurate late payments on an open account listed in my credit file. After reviewing my report, I have identified a late payment notation that I believe to be either misreported or not properly verified. This entry is negatively impacting my credit standing and may represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8500.00}

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 2025-09-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft, and the account reported under XXXX XXXX, XXXX XXXX XXXX XXXXXXXX is fraudulent and never authorized by me. I formally disputed this account with Experian on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within four ( 4 ) business days. Despite this, the account remains on my file. This failure not only violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as XXXX v. XXXX and XXXX v. XXXX. 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded. 
The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

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 2025-09-25 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) 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

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