vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a complaint regarding Citibanks decision to lower the credit limit on my Citi/AAdvantage credit card. My limit went from {$6800.00} to {$3000.00} without warning, despite responsible usage and without a valid reason tied to the account. 

I always used the card responsibly and have never gone over the limit, missed a payment, or shown risky behavior. I requested that Citi raise the limit back to its original amount and they refused. The only explanation I can think of is that they conducted a routine credit review and saw that my overall credit utilization across all cards had reached around XXXX  %. However, that had nothing to do with how I was managing this card specifically. 

Lowering my limit reduced my available credit, increased my utilization and damaged my credit score. It also directly affected the functionality of the card. This is a co-branded airline card. I should be able to use it to purchase airline tickets, onboard snacks, or other travel expenses. Instead, I was declined for cheese and crackers on an XXXX XXXX flight ( a bit embarrassing ). Imagine using your airlines own credit card on their flight and being told the transaction wont go through. 

Shame on Citibank for failing to take these things into account when evaluating card use. Even now, I can no longer earn a sufficient number of miles when flying with XXXX  ... and isn't that the whole purpose of the card?

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 2025-07-07 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: UPGRADE, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Escalation Unresolved Complaint # XXXX : Misleading Charge-Off Reporting by XXXX  for UPGRADEINC Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally escalate Complaint # XXXX, which I originally submitted on XX/XX/XXXX, concerning XXXX inaccurate and misleading reporting of my UPGRADEINC account # XXXX. This complaint has been open for XXXX  days without resolution or meaningful response. 

Nature of the Complaint : While reviewing my credit report in preparation to finance a vehicle, I discovered that the UPGRADEINC account is being reported by XXXX  as charged off for XXXX consecutive monthsfrom XX/XX/XXXX through XX/XX/XXXX ( XXXX ). This repeated monthly reporting of a charge-off is inaccurate and misleading. 

A charge-off is a one-time accounting event and should not be reported in multiple consecutive months. The repeated reporting creates the false impression of multiple derogatory events on the same account, thereby artificially inflating the negative impact on my credit profile. This reporting practice can mislead lenders and other users of the credit report, resulting in unfair denials or unfavorable terms. 

Furthermore, no IRS Form 1099-C has been issued in connection with this alleged charge-off, which raises questions as to whether the debt was truly canceled or discharged, as the reporting suggests. The inconsistency between the credit reporting and the absence of a 1099-C further underscores the need for correction or clarification.

This conduct may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failing to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i Failing to conduct a reasonable investigation of disputed information. 

Possible noncompliance with IRS regulations concerning the issuance of 1099-C forms for canceled debt.

Requested Resolution : I respectfully request the CFPB to : Reopen and prioritize investigation of this complaint ; Require XXXX  to substantiate the reporting of the UPGRADEINC account or correct/remove the inaccurate information ; Evaluate whether XXXX  is in violation of FCRA and IRS guidelines ; Direct XXXX  to cease the misleading multi-month charge-off reporting and reflect the correct, singular status of the account. 

Please confirm receipt of this formal escalation. I am prepared to provide any additional documentation necessary to support my claims. 

Thank you for your time and continued advocacy on behalf of consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am filing this complaint because Self Financial / Lead Bank is reporting a closed, charged-off account in a way that is incomplete, outdated, and unfairly damaging to my credit profile. 

The account was opened in XXXX and charged off between XXXX and XXXX. It continues to appear on my XXXX  report with multiple negative months and charge-off status but with no balance, no updated activity, and no confirmation of current collection efforts. 

I have disputed this account multiple times in good faith. However, each time I submitted disputes, the company verified the information as accurate without providing any proof. I have since frozen my XXXX, XXXX, XXXX, and other third-party data sources, which may have been used for automated verification and I am now requesting a proper reinvestigation or removal under the Fair Credit Reporting Act ( FCRA ). 

I believe this account is being reported to XXXX XXXX and XXXX, and I request that it be : Fully removed from all reports, or Updated to reflect a {$0.00} balance, settled or closed status, and no continuing delinquency This inactive, outdated account continues to report negatively despite no recent activity or balance. I am asking CFPB to step in and require Self Financial to stop this harmful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please provide me copies of XXXX. XXXX, with my original signature 2.chain of custody documentation, showing legal transfer of servicing rights 3. proof of legal authority of loan servicer, education program restructuring 4.full ledger of deferments and forbearances according to section 1681.Ia, if XXXX can not provide these documents within XXXX  days then it must be legally removed from my credit report. 


Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. # # # Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please provide me copies of XXXX. XXXX, with my original signature 2.chain of custody documentation, showing legal transfer of servicing rights 3. proof of legal authority of loan servicer, education program restructuring 4.full ledger of deferments and forbearances according to section 1681.Ia, if XXXX can not provide these documents within XXXX  days then it must be legally removed from my credit report. 


Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.SXXXX Department of Education. # # # Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 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 explanation
Consumer complaint received 2025-07-07 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 id-entity 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 XXXX 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 complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received from your agency regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809. 

I do not acknowledge this debt and request that you provide the following : XXXX. The name of the original creditor ; XXXX. The original amount of the debt and any interest, fees, or other charges that have been added ; XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor ; XXXX. A copy of the original signed contract or agreement that initiated the debt ; XXXX. A full accounting of the alleged debt, including the complete payment history ; XXXX. Proof that this debt is within the statute of limitations in my state. 

Until you provide the requested validation, you must cease all collection activity, including reporting this debt to credit bureaus. If you do not provide proper validation, or if you continue collection efforts without doing so, it will be considered a violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 

Please respond to this request in writing within 30 days of receipt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card XXXX to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX  days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2025-07-07 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card , to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX  days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth:XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of - Collection : XXXX - Acct # XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 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: TX

Complaint narrative:
Im writing to dispute inaccurate late payment entries on my credit report for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was never late and was paid in full as of XX/XX/XXXX. Experian correctly reports it as Paid with no delinquencies, while your records incorrectly show 60-day late payments during this period.

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), Im requesting a reinvestigation. If the late payments can not be verified as accurate, they must be corrected or removed. 

Please update the payment history to reflect on-time payments for XX/XX/XXXX through XX/XX/XXXX and confirm the results of your investigation within the 30-day period required by law.

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