vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am demanding the immediate removal of the following accounts from my Experian credit file : XXXX  XXXX, XXXX, and XXXX Nexus. These are not my accounts. 

I have already submitted : An FTC Identity Theft Report A copy of my government-issued ID Proof of address Multiple dispute requests ( online, mailed, and by phone ) Per FCRA 605B, once a consumer provides an Identity Theft Report, the credit bureau must block the fraudulent accounts within XXXX business days, unless they have proof the report is false. Instead, Experian keeps verifying the accounts with the furnishers with no documentation or evidence. They have not provided any application, contract, signature, IP address, or transaction records linking me to these accounts. 

Experian has repeatedly refused to accept my identity theft documentation and continues to report these accounts as verified without validation. I have requested proof multiple times, and they have failed to provide anything.

This violates : FCRA 605B ( failure to block fraudulent tradelines after ID theft documentation was provided ) FCRA 609 ( a ) ( 1 ) ( A ) ( failure to provide method of verification ) FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) This is my third CFPB complaint regarding the same issue, and I have filed a complaint with my State Attorney General as well.

I am not requesting another reinvestigation. 
I am demanding deletion of XXXX  XXXX, XXXX, and XXXX XXXX  for failure to validate and for refusal to honor my identity theft 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I contacted CITI on XX/XX/25 to report XXXX fraudulent charges in the amount of XXXX made between XX/XX/25 and XX/XX/25. Multiple charges were made in a given day, for example on XX/XX/XXXX my card was charged 5 times for the same amount. 

The charges were entered as a fraud report. Fraud claim was denied because I had previously had a legitimate charge with the vendor. I was told by CITI XXXX XXXX to contact the merchant. 

I have spoke with the merchant multiple times and the merchant has not resolved the charges. 

I called and requested the charges be disputed. The person did not follow through with establishing the dispute. 

XX/XX/25 I called again to inquire, and received what I thought was excellent service. The staff member indicated they had reported all of the XXXX charges for dispute and gave me provisional credit for two of the charges. 

XX/XX/25 I called Citi to inquire about the charges. I was told it looked like they would all be reversed. 

XX/XX/25 With no credits being made to my account, I sent a certified letter to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  In the letter I requested full credits for all remaining For Keeps Floral Charges and interest as well as adjustment of the minimum payment during the time of investigation XX/XX/25 Certified letter delivered to Citibank XX/XX/25 XXXX hour phone call with Citibank XXXX department Was told the disputes could not be submitted because of the date of the charges Requested a supervisor within the XXXX  department Supervisor was going to contact me and did not follow through XX/XX/25 Contacted XXXX XXXXXXXX XXXX XXXXXXXX 's Department Deputy XXXX took my complaint and will be investigating the theft. 
Case # XXXX XX/XX/25 XXXX XXXX  CST Call with Citibank XXXX Department Employee XXXX forwarded all charges to the XXXX  department. 
The employee indicated this issue is fraud because the number was stolen to be used in unauthorized charges. 

There has been no resolution and I am having to pay exorbitant minimum monthly payments and Citibank refuses to take accountability for not addressing the fraud appropriately or protecting me as their customer by detecting fraud on very obvious fraudulent charges.

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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to fix the erroneous items that are being reported on my behalf for more than over a year and yet I have not had any luck getting the reporting agencies to comply with the FCRA, CFPB and TILA. This is my last attempt to fix this issue with the following agencies listed in my attachments. Please consider that I have had a great deal of hardship with job verifications, tenant screenings and mortgage lenders due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I am submitting this dispute to TransUnion regarding inaccurate or incomplete reporting of the following accounts : CHARGED OFF XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} This account needs to be verified as it may not reflect the proper account status. If it can not be verified, I request its removal under FCRA 607 ( b ). 

XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Similarly, I request that this account be investigated for accuracy and removed if it can not be verified under the provisions of the FCRA. 

INQUIRIES SPARROW, Date : XX/XX/XXXX I request verification of this inquiry and removal if it can not be validated as per FCRA 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 2025-11-06 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:
I am submitting a dispute regarding the following items on my Equifax credit report. I respectfully request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 
XXXX : XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
As a consumer actively working to resolve inaccuracies on my credit report, I am disputing the following accounts. These items do not accurately reflect my credit history, and I respectfully request they be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS : XXXX Account Number : 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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I added the American Express offer The XXXX XXXX {$750.00} or more, earn {$300.00} back to my American Express XXXX XXXX XXXX XXXX XXXX 

In early XXXX, I made eligible purchases ( room charges ) at XXXX XXXX XXXX XXXX should have qualified for the offer. However, I did not receive the {$300.00} statement credit. When I contacted American Express, I was informed that the purchases were not eligible because they were made using my wifes card, who is an authorized user on my account. 

I believe the terms of the offer were unclear and misleading. Had the distinction between the primary card and authorized user cards been stated more explicitly, I would have ensured that the purchases were made with my own card. 

The offer terms stated : Eligibility and Enrollment Enrollment is limited. Eligible Card Members must first add the offer to their Card and then use the same Card for qualifying spend. Only U.S.-issued American Express Cards are eligible. Limit of one statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive the statement credit ( s ). 

When I asked for clarification, the representative explained that the offer was tied to the card rather than the account, and that although my wife and I share the same account, our cards have different numbers. However, the terms use Card and Account interchangeably, for example, add the offer to their Card and If the Card Account is canceled or past due. This inconsistency is confusing.

Moreover, the Ritz-Carlton charges made on my wifes card were posted to my account, meaning my account was financially responsible for the transactions. Given this, I believe my account should be eligible for the {$300.00} statement credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & XXXX  credit report on XX/XX/year> 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 generallf, 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.

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 2025-11-06 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 am disputing the following accounts with Equifax. The information reported is inaccurate and I request that these accounts be verified. If they can not be verified, I request their removal in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Open Date : XXXX, Balance : {$2600.00} ) Inquiries : XXXX ( Date of Inquiry : XXXX ) Late Payment : XXXX ( Account Number : XXXXXXXX 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
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
During my attempts to negotiate a settlement in good faith with XXXX XXXX XXXX, four unauthorized ACH withdrawals totaling {$13000.00} were taken from my checking account at XXXX Bank. I was in the process of resolving multiple other debts during this time, including a verified payoff of a XXXX XXXX account via XXXX on XX/XX/XXXX. I am not evading debt ; I am carefully and responsibly settling valid debts through legitimate means, which does not include being subjected to fraud or coercive behavior. ( Exhibits A - C ) The unauthorized transactions appeared under XXXX PAYMENT and were routed through XXXX XXXX XXXX XXXX, which I have never held an account with. I did not authorize these withdrawals. 

XXXX confirmed these transactions were fraudulent and reversed them. ( Exhibit D ) The illegal transactions occurred directly after a phone call with a XXXX representative named XXXX, who mocked me, threatened legal action, and abruptly ended the call. Exhibit E shows the letter I sent XXXX informing them of my small claims affidavit, and my intent to file complaints with the CFPB and Virginia 's Attorney General. 

I believe XXXX XXXX XXXX, using my private financial data obtained during debt negotiations, engaged in fraud, embezzlement, and harmful debt collection practices. XXXX XXXX XXXX XXXX XXXX is part of a corporate group that, in XX/XX/XXXX, entered into a stipulated final judgment and order with the Consumer Financial Protection Bureau, imposing a $ XXXX civil penalty for violating a prior consent order governing fair debtcollection practices. ( Exhibit F ) This prior enforcement history raises serious questions regarding the company 's compliance with collection laws and its capacity to lawfully pursue debts in a manner consistent with consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am reaching out as a long-time Apple customer seeking assistance with a two-year unresolved dispute regarding a returned iPhone that was lost in transit after being shipped using the prepaid XXXX label provided by Apple Support. 

The device never reached its destination, and despite multiple attempts to resolve the issue through the proper channels, I am still being billed for the phone. I complied fully with Apples return process, but the device was lost while in XXXX possession. I have detailed documentation of the tracking history, shipping label, and communications. 

Unfortunately, I have been caught in an ongoing loop in which Apple, XXXX, and Goldman Sachs ( the Apple Card issuer ) each direct me back to the other party : Apple Support has stated multiple times that they can not reverse the charge because more than 90 days have passed. 

XXXX has informed me that they can not assist because the shipment was initiated under Apple 's contract, and they are not permitted to discuss the loss with me directly. 

Goldman Sachs has repeatedly directed me back to Apple, as only Apple can update the billing status. 

As a result, I have spent nearly two years attempting to resolve a situation in which I followed all required steps, yet remain financially responsible for a device I no longer possess and that was lost through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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:
This correspondence constitutes my official dispute of the listed accounts. I have no association with them, nor did I authorize their setup. I request their removal following a thorough examination. Supporting documentation is attached.

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 2025-11-06 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: KS

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Please accept this letter as a formal dispute concerning the accounts identified. I have no known association with them and did not authorize their creation. I request a thorough review and their removal. Documentation is attached for verification.

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 2025-11-06 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 am disputing the following inquiry entries on my TransUnion credit report. I respectfully request that these inquiries be verified. If not verified to the required standard, I request their removal. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief