vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-04-22 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX my wife, XXXX XXXX received an email from Citibank informing that the XXXX XXXX savings account that she opened in XXXX would be closed. This notice advised the the {$10000.00} that I transferred from our other joint savings account could not be released to her directly, but that our local credit union would need to submit a hold harmless claim to Citi. When my wife contacted XXXX XXXX XXXX XXXX, they had no knowledge of what Citi was referring to and looked to her to provide them with information on how to submit it. They then provided her with documents that they thought would suffice but Citi could not provide any details on how we were supposed to accomplish this. We escalated the situation to the Executive Response Team but the only advise we received the same response referring the the Hold Harmless Claim process. 

Additionally, the letter mentioned that the holder of the funds could also be added to the account to regain access. Assuming the issue was that the money was taken from a joint account and added to one where only my wife was a signer, we went through the process of having me added. Mind you, when my wife attempted to ask Citibank if this would rectify the issue they could not provide a clear answer. on XX/XX/XXXX we received confirmation that I was added to the account. At that point, we regained access and assuming that everything was fine now, decided to keep the money where it was for the time being. On XX/XX/XXXX, my wife received notice that the account had been closed with no further mention of the funds. When she called Citi, no one was able to explain why this occurred and could not provide any insight as to how we were to receive the funds. As of today, XX/XX/XXXX, we have not received any funds nor notice from Citibank. They had also completely removed her from the account and listed me as the primary account holder. Any additional attempts to call them have resulted in the same unhelpful customer service.

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 2025-04-22 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 submitting this formal request for a thorough review and correction of my credit report. My review has revealed various inconsistencies in the reporting of my name and a possible split file, both of which are affecting the accuracy of my credit 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 2025-04-22 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: MA

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management a certified debt validation request in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). I also offered a pay-for-delete settlement. In response, they failed to provide legally required documentation. 

They did not supply a signed agreement from the original creditor ( XXXX  XXXX ), no legal assignment proving they have standing to collect, and no full itemized breakdown of the amount they claim I owe. What they sent were generic statements and ownership summaries that do not meet federal validation standards. They only provided old account statements and vague summaries without any original contract, signed agreement, or itemized calculation of how the current balance was reached. This not fill validation and fails to meet the legal standards. 

Despite failing to validate the debt, Midland continues to report the account to all three major credit bureaus. This is a violation of both the FDCPA and the FCRA, especially since they did not mark the account as " disputed '' after receiving my letteranother violation under 15 U.S. Code 1692e ( 8 ).

They are actively damaging my credit by reporting unverifiable information, and their response does not satisfy federal requirements for debt validation. I am requesting that this account be permanently deleted from my credit reports and that enforcement action be taken against Midland for repeated noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-04-22 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:
My credit file reflects a 90-day late payment for the account listed below ; however, this was reported without any prior indication of a 30-day or 60-day delinquency, and I did not receive any notice of delinquency from the creditor : Under the Fair Credit Reporting Act ( FCRA ), as well as the policies and responsibilities expected of debt service providers, you are required to ensure the accurate, fair, and substantiated reporting of all consumer information. The reporting of a 90-day late payment without the appropriate preceding 30- and 60-day notations and without prior notice violates my rights under these laws and raises serious concerns regarding the accuracy and legality of this entry.

This reporting practice is not only inaccurate, but also misleading and harmful to my credit profile. I request that you investigate this matter promptly and provide documentation verifying the reporting history of this account. If such documentation can not be substantiated, I expect this delinquency to be immediately removed from my credit report. 

In accordance with the FCRA, I ask that you complete your investigation within 30 days and send me written confirmation of the outcome. Please also provide an updated credit report reflecting any corrections made. 

Thank you for your prompt attention to 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 2025-04-22 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:
My credit file reflects a 90-day late payment for the account listed below ; however, this was reported without any prior indication of a 30-day or 60-day delinquency, and I did not receive any notice of delinquency from the creditor : Under the Fair Credit Reporting Act ( FCRA ), as well as the policies and responsibilities expected of debt service providers, you are required to ensure the accurate, fair, and substantiated reporting of all consumer information. The reporting of a 90-day late payment without the appropriate preceding 30- and 60-day notations and without prior notice violates my rights under these laws and raises serious concerns regarding the accuracy and legality of this entry.

This reporting practice is not only inaccurate, but also misleading and harmful to my credit profile. I request that you investigate this matter promptly and provide documentation verifying the reporting history of this account. If such documentation can not be substantiated, I expect this delinquency to be immediately removed from my credit report.

In accordance with the FCRA, I ask that you complete your investigation within 30 days and send me written confirmation of the outcome. Please also provide an updated credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit file reflects a 90-day late payment for the account listed below ; however, this was reported without any prior indication of a 30-day or 60-day delinquency, and I did not receive any notice of delinquency from the creditor : Under the Fair Credit Reporting Act ( FCRA ), as well as the policies and responsibilities expected of debt service providers, you are required to ensure the accurate, fair, and substantiated reporting of all consumer information. The reporting of a 90-day late payment without the appropriate preceding 30- and 60-day notations and without prior notice violates my rights under these laws and raises serious concerns regarding the accuracy and legality of this entry.

This reporting practice is not only inaccurate, but also misleading and harmful to my credit profile. I request that you investigate this matter promptly and provide documentation verifying the reporting history of this account. If such documentation can not be substantiated, I expect this delinquency to be immediately removed from my credit report.

In accordance with the FCRA, I ask that you complete your investigation within 30 days and send me written confirmation of the outcome. Please also provide an updated credit report reflecting any corrections made. 

Thank you for your prompt attention to 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
the debt is not mine, the company failed to provide any docs linking the debt to my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
XXXX XXXX XXXX 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 Equifax 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-22 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: IL

Complaint narrative:
I have concerns in regards to what you are reporting on my credit reports. 



account : XXXX XXXX XXXX Account is reporting with 2 different amounts of high credit Account is reporting different account status Account is reporting different remarks Account is reporting inaccurate/different payment history Account is reporting different last payment activity if this account is being reported by the same creditor why are there different amounts, dates, and remarks? remove due to inaccurate reporting.

also according to the FCRA 15 US Code 1681b permissible purposes include credit transactions, employment, insurance, court order, child support, or consumer written instructions. did I give you permission to furnish my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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