vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This company put negative marks on my credit report. I made attempts to contact them with my requested information I have no knowledge and do not owe this debt and disputing it validity based on. To properly address this issue I'm going to require per the FDCPA and FL guidelines to : 1 ) Name and address of the original creditor 2 ) The amount of the alleged debt and how it was calculated through the entire life of the account 3 ) Itemized Statement of the alleged debt including every purchase made from the date the account was said to be opened 4 ) Proof of authorization to collect the alleged debt on behalf of the creditor 5 ) Complete and full purchase agreement amount of alleged debt for review including complete chain of title per FL law.

6 ) Verification of debt is within the statue of limitation 7 ) Alleged debt was not already put illegally on credit report an removed by prior companies 8 ) How notice if this debt was sent or notified to me I have email proof when I email this to them, they can't find my account but continue to to put negative marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am disputing deferred and rolling interest charges applied to my Best Buy Citi XXXX XXXX. 

On XX/XX/XXXX, I purchased a phone for {$1000.00} and opened a Best Buy Citi credit card to pay it off monthly. When I opened the account, I was told my payments would be interest-free if I paid steadily. At no point did the Best Buy salesperson inform me of a 24-month promotional limit. I received no prior notifications ( by email, text, or mail ) before deferred interest was applied. Moreover, from XXXX to XX/XX/XXXX, I did not receive my statements via email, which I normally receive. I only discovered the deferred and rolling interest charges by accident when logging into my account in XXXX. Because I was never informed, it is unreasonable to enforce their 60-day dispute rule, which presumes I was aware of charges I had no opportunity to see. 

I made steady monthly payments from XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  and paid off the principal in full on XX/XX/XXXX. With the help of a customer service representative, the only interest charge removed so far is {$27.00} ( XX/XX/XXXXXXXX  ). However, the original deferred interest of {$700.00} ( XX/XX/XXXXXXXX  ) and other subsequent rolling interests have not been removed. 

I consider this practice unfair and misleading, as I was never notified of the promotional limit or the impending deferred interest, and I am requesting the CFPBs assistance in resolving 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 2025-09-12 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: GA

Complaint narrative:
In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX with {$0.00} balance opened on XX/XX/year> has violated my rights. 

You violated the United States Code Law ( TILA 12 U.S. Code 166 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose. 

The XXXX XXXX XXXX XXXX account with {$0.00} balance opened on XX/XX/year> SHOULD NOT BE REPORTING NO LATE PAYMENTS WHAT SO EVER. PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I have disputed accounts appearing on my Experian credit file that do not belong to me. With my disputes, I submitted an official Identity Theft Report along with my drivers license, proof of address, and my Social Security card to confirm my identity. Despite providing more than sufficient documentation, Experian has failed to remove these fraudulent accounts. This shows Experian did not properly investigate my dispute or apply the protections required under the Fair Credit Reporting Act.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please delete the following accounts : 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 Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-12 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: IL

Complaint narrative:
My credit file contains multiple FCRA violations. Bureaus and furnishers reported unauthorized hard inquiries ( list above ) and inaccurate tradelines ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX ) that are misleading or unverifiable. XXXX XXXX shows mathematically impossible 100.47 % utilization and fails to carry my dispute statement ; multiple XXXX XXXX accounts are coded closed by creditor with balance and carry derogatories without complete verification ; XXXX XXXX fails to identify the original creditor or itemization. XXXX  interface previously displayed an incorrect DOB ( 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 2025-09-12 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: TN

Complaint narrative:
I am filing this complaint because Experian is inaccurately reporting a late payment on my credit report. 

On XX/XX/year>, I mailed Experian a formal dispute letter regarding the following : Account Name : XXXX  Account Number : XXXX Date of Late Payment Being Reported : XX/XX/year> The payment history being reported is incorrect, incomplete, and unverifiable. Experian is reporting a 30-day late payment in XX/XX/year>, despite the fact that this information is inaccurate and not substantiated by proper billing or notice requirements. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 

Experian has failed to uphold its legal obligations by continuing to report this derogatory late payment, which is harming my credit profile and is not supported by verifiable evidence.

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 2025-09-12 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-09-12 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:
I feel completely overwhelmed because these inaccurate accounts are still showing up on my credit report, and nothing has been taken off. I need the documents Ive attached to be checked closely so I can finally have peace of mind.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received a notice from American Express stating that an alleged account with a balance of {$1800.00} was placed with XXXX XXXX, XXXX for collection ( Collection Account # XXXX ). 

I have no knowledge of this account, do not acknowledge or admit any liability for it, and fully dispute it. 

On XX/XX/year>, I sent a certified written dispute and request for validation directly to American Express. In that letter, I required : A copy of the original signed agreement or application, A complete, itemized accounting of charges, payments, interest, and fees, Documentation of whether the account was charged off, sold, or assigned to a third party, Records of all transfers or communications with XXXX XXXX, XXXX, And any information furnished to consumer reporting agencies. 

I also demanded that American Express cease furnishing or updating information to the credit bureaus until proper validation is provided and that if information had already been furnished, it be immediately marked as disputed or corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ).

At this time, American Express has not provided proper validation, and this alleged account threatens my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This is a follow-up complaint to my initial dispute ( CFPB Complaint ID : XXXX ) concerning fraudulent information on my Equifax credit report, which Equifax has failed to resolve. I am a victim of identity theft, discovered in XX/XX/XXXX, and have filed an official Identity Theft Report with the FTC under Number XXXX. 
Despite providing Equifax with all necessary documentation, my credit report still contains numerous fraudulent entries. This inaction violates the Fair Credit Reporting Act ( FCRA ) and my rights as a Florida resident under state law ( Florida Statute 817.568 ).

The following fraudulent accounts were opened without my permission and continue to be reported by Equifax, causing ongoing damage to my financial health : XXXX XXXX XXXX : Opened on XX/XX/XXXX, reported as a charge-off with a balance of {$640.00}. 
XXXX XXXX XXXX  : Opened on XX/XX/XXXX, with a balance of {$700.00} and reported as XXXX days late. 
XXXX XXXX : Opened on XX/XX/XXXX, reported as a charge-off with a balance of {$2900.00}. 
XXXX XXXX : Opened on XX/XX/XXXX, reported as in collections with a balance of {$2200.00}. 
XXXX XXXX XXXX : Reported as a collection account with a balance of {$700.00}. 
XXXX XXXX XXXX XXXX XXXX : Opened on XX/XX/XXXX, reported as a collection account with a balance of {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
I was a victim of identity theft and I want all fraudulent accounts remove immediately as their are a direct violation of the FCRA and my consumer rights.

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 2025-09-12 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: SC

Complaint narrative:
I was a victim of identity theft and I want all fraudulent accounts remove immediately as their are a direct violation of the FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
Hello, after being advised by my financial advisor that I have UNAUTHORIZED accounts on my credit report ; I discovered that i am a victim of the Equifax XXXX. According to FCRA XXXX, please block & Delete. I have included a report with all information and accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
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

Company response to consumer: Closed with explanation