vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX unfortunately along with XXXX other re-aged collections are being illegally reported by XXXX XXXX.Total of XXXX accounts appear on my Equifax and the account ending in XXXX appears by itself on Trans Union credit report as the others were deleted off from the Trans Union report. 
XXXX accounts in response to my dispute with Equifax credit reporting agency were deleted and XXXX remain on EquifaxXXXX XXXX is in violation because they have failed to determine an accurate Date of First Delinquency on this account on Trans Union as well as XXXX accounts that remain on Equifax XXXX XXXX should have a standardized written policy so that consumers Iike my self are not harmed because of their failure to calculate the date of first delinquency correctly. I am 100 % sure that portfolio recovery can not provide proof that I made any payments on the dates they allege in order to allow these accounts to report. All the accounts have surely surpassed the XXXX year reporting period in accordance with FCRA 623 ( a ) ( 5 ) and I want the accounts removed immediately! XXXX accounts are reporting on Equifax and the one listed in this complaint is being reported on both Equifax and TransUnion with XXXX other accounts that they have reaged. I will file additional complaints with the FTC and XXXX  in both states along the Attorney Generals in both states and if forced will seek legal council if these accounts are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
b'XXXX XXXX XXXX XXXX, I mailed a written dispute/validation request via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX). I have not received complete validation (contract, itemized accounting, DOFD/charge-off, chain of title, servicing/POA) or the furnisher verification used to verify with the CRAs (ACDV/e-OSCAR + documents). Please require Midland to provide full validation, cease collection/credit reporting until validation is complete, and correct or delete any information that is inaccurate, incomplete, or unverified with all CRAs. If the account was transferred/pooled/securitized, provide bills of sale with schedules identifying my account and custodial/transfer records proving current ownership and authority.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
b'I am submitting this complaint as a conscientious consumer who values the integrity of my financial history. Upon reviewing my credit report, I discovered several negative items that are inaccurate, unverifiable, or misleading, and I am requesting their immediate removal under federal law.\nFirst, there is a Charge-Off XXXX XXXX with a reported balance of $0. This account is inaccurate and should be removed pursuant to FCRA 611 (15 U.S.C. 1681i), which provides consumers the right to dispute incomplete or inaccurate information. Additionally, under FCRA 623(a)(2), furnishers of information are legally required to correct or delete information they cannot verify, and FCRA 623(b) obligates them to conduct a reasonable investigation when such disputes are raised. Since this charge-off cannot be substantiated as accurate, I request its deletion from my credit report.\nMoreover, my report contains multiple inquiries that may not have been authorized or cannot be verified:\nXXXX 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 XXXXUnder FCRA 604(a), inquiries may only be reported if they have a permissible purpose. Any inquiries that cannot be verified must be permanently removed.\nFurthermore, FCRA 602 emphasizes Congresss finding that consumer reporting must be accurate to ensure fairness in credit transactions. Maintaining unverifiable negative accounts or unauthorized inquiries violates the consumers rights, harms their financial reputation, and is actionable under federal law.\nIn summary,'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
b'I am submitting this complaint as a conscientious consumer who values the integrity of my financial history. Upon reviewing my credit report, I discovered several negative items that are inaccurate, unverifiable, or misleading, and I am requesting their immediate removal under federal law.\nFirst, there is a Charge-Off XXXX XXXX with a reported balance of $0. This account is inaccurate and should be removed pursuant to FCRA 611 (15 U.S.C. 1681i), which provides consumers the right to dispute incomplete or inaccurate information. Additionally, under FCRA 623(a)(2), furnishers of information are legally required to correct or delete information they cannot verify, and FCRA 623(b) obligates them to conduct a reasonable investigation when such disputes are raised. Since this charge-off cannot be substantiated as accurate, I request its deletion from my credit report.\nMoreover, my report contains multiple inquiries that may not have been authorized or cannot be verified:\nXXXX 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 XXXXUnder FCRA 604(a), inquiries may only be reported if they have a permissible purpose. Any inquiries that cannot be verified must be permanently removed.\nFurthermore, FCRA 602 emphasizes Congresss finding that consumer reporting must be accurate to ensure fairness in credit transactions. Maintaining unverifiable negative accounts or unauthorized inquiries violates the consumers rights, harms their financial reputation, and is actionable under federal law.\nIn summary,'

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a new bank account with citi bank with a promo code for {$300.00}. I met the requirements of having over {$3000.00} in direct deposits within 90 days. I waited 90 days for my bonus and called, they said I was eligible but needed to wait sometime ( unspecified ) for the bonus. I called a month later - sometime in XXXX and they said again, I was eligible but had to wait 90 days from when I completed the {$3000.00} direct deposit. 90 days leads me to XX/XX/XXXX. I called on XX/XX/XXXX and the first call the customer service agent gave me the run around. I called again and spoke to their investigation department. He said because I closed an account sometime last year and within 365 days I wasn't eligible. That was never said on my calls with citi and it wasn't stated anywhere in the terms and conditions of the bonus. At times during the call today they also said during the call that I never signed up with a bonus which is incorrect. Citi Bank has been deliberately misleading and dishonest. I would like the {$300.00} bonus in my account.

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 2025-11-08 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: CA

Complaint narrative:
I have reached out to XXXX XXXX  XXXX XXXX XXXX Account ending XXXX XXXXXXXX Balance {$1800.00} Reported as Charge-Off, multiple times in XXXX and XXXX to dispute this account as a result of identity theft. I provided all supporting documentation, including a police report, an FTC Identity Theft ( FCRA ) report, my Social Security card, drivers license, and a utility bill to verify my identity. These documents were sent via certified mail on three separate occasions. In addition, I have called XXXX XXXX  several times, and each time I was provided with different names and addresses associated with the account, confirming that this account does not belong to me. Despite this, the account remains unresolved and continues to be reported inaccurately under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 reached out to XXXX XXXX  XXXX XXXX XXXX Account ending XXXX XXXXXXXX Balance {$1800.00} Reported as Charge-Off, multiple times in XXXX and XXXX to dispute this account as a result of identity theft. I provided all supporting documentation, including a police report, an FTC Identity Theft ( FCRA ) report, my Social Security card, drivers license, and a utility bill to verify my identity. These documents were sent via certified mail on three separate occasions. In addition, I have called XXXX XXXX  several times, and each time I was provided with different names and addresses associated with the account, confirming that this account does not belong to me. Despite this, the account remains unresolved and continues to be reported inaccurately under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: TN

Complaint narrative:
Sallie Mae put a loan on my credit and I called them and let them know I was not on this loan nor did I ever sign with them! The closed it but it is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against all three credit bureaus TransUnion, for repeated and willful violations of the FCRA involving a XXXX XXXX account ending in XXXX  XXXX ( opened XX/XX/year> ). 

This account has been disputed multiple times. TransUnion has deleted the account and then reinserted it without providing the legally required written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This notice was never provided at any time, by any bureau. 

Additionally, all three bureaus have failed to conduct a reasonable reinvestigation, in violation of FCRA 1681i ( a ). 
Despite multiple disputes, none of the bureaus have : Provided the method of verification Provided any documentation from XXXX XXXX Identified who verified the account Provided proof of a reasonable investigation Responded with the required investigation results under the FCRA I have also disputed the same account directly with XXXX XXXX. Their XXXX XXXX responded in writing and confirmed the following : 1. The bureaus were reporting inaccurate information 2. XXXX XXXX submitted an update, but 3. The bureaus are responsible for how the data is reported and processed This means TransUnion reinserting and publishing an account without proper verification and inaccurately. 

The bureaus actions show a pattern of willful noncompliance, including : Repeated reinsertion without notice Failure to provide investigation documentation Failure to provide method of verification Reporting inaccurate and inconsistent information Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ) I have not received any mailed reinsertion notices, any proper investigation results, or any documentation supporting their continued reporting. Their actions have caused financial harm and obstructed my ability to access 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 2025-11-08 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 am submitting this formal dispute regarding multiple entries on my credit report that are inaccurate, unverifiable, and damaging. I am requesting permanent removal of these items, as they can not be substantiated by the furnishers or meet federal verification standards. 
The following late/closed accounts is being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} This account is reported as late/closed, yet my records show a XXXX balance and no delinquency. Reporting a closed account with a XXXX balance as late is misleading and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which ensures consumers can dispute inaccurate information and have it removed if unverifiable. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting false information, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates maximum possible accuracy. Because this account can not be verified as late, it must be permanently removed. 
The following charged-off accounts are also disputed : XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3300.00} These accounts are reported as charged-off, but no 1099-C forms have been issued for debts exceeding {$600.00}. This lack of documentation indicates the debts can not be legally verified. Continuing to report these accounts violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and FCRA 605B / 15 U.S.C. 1681c-2, which require unverifiable information to be blocked or deleted. I am therefore requesting permanent removal of these accounts from my credit report. 
In addition, I dispute the following unauthorized inquiries, which were made without my consent or permissible purpose : 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 inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining a consumer report under false pretenses or without a legitimate purpose. Since I did not authorize these inquiries, I am requesting that they be permanently removed from my file.

Company response to consumer: Closed with non-monetary relief