vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
This is a formal NOTICE OF DISPUTE pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and Metro 2 Compliance Reporting Standards.

Upon my thorough review of my credit file, I have identified multiple reporting violations that directly violate my consumer rights. The following accounts are being challenged for immediate permanent deletion : DPT ED/XXXX - XXXX XXXX - XXXX DPT ED/XXXX - XXXX LEGAL VIOLATIONS IDENTIFIED : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of any disputed information. Failing to properly verify these accounts with actual evidence constitutes willful non-compliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) : In the absence of complete and verifiable documentation, these accounts must be permanently DELETED from my credit report.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - ( E ) : Furnishers must investigate and correct any inaccurate or incomplete information supplied to you. If you continue to publish unverifiable data, you are actively violating this statute.

Metro 2 Compliance : The data fields being reported fail to meet Metro 2 reporting standards which require full accuracy, consistency, and verifiability. Incomplete fields, unverifiable balances, or lack of documented proof violates industry standard reporting guidelines.

Failure to Process Individual Disputes ( 15 U.S.C. 1681i ) : I am aware of your illegal practice of responding to legitimate disputes with form letters and template responses. The FCRA requires each dispute to be handled individually and based on its own merit. Automated or blanket responses that disregard the specific facts Ive submitted is non-compliant and actionable.

Additionally, I demand that you DELETE any and all unauthorized employment information and outdated contact numbers attached to my file. You do not have my consent to report any inaccurate, obsolete, or unverifiable personal information.

FINAL DEMAND : You have 30 days to comply with this dispute. If you fail to verify with actual documented evidence ( not screenshots or screenshots of data entries ) or fail to delete the accounts permanently, you will leave me no choice but to escalate this matter by filing : Formal CFPB complaints FTC complaints Attorney General complaints Civil litigation for willful violations under 15 U.S.C. 1681n, where statutory damages, attorney fees, and punitive damages may be pursued.

I demand that you send me written confirmation detailing the investigation results along with an updated credit report reflecting the permanent deletion of these accounts. This demand is non-negotiable.

Failure to comply will be documented as willful non-compliance and pursued accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is an account that's negatively affecting my XXXX XXXX b/c there's a balance but that is not my account. It is listed under XXXX XXXX Citibank, but I called both and they said it's not there. I have other accounts with both of them in good standing and this account doesn't show up in the online interface at all. I'm worried this is identity theft, and it's negatively affecting my XXXX XXXX and I can't even access the account. I also called XXXX XXXX, which is another account that I've had problems with and they confirmed that my account is officially closed with {$0.00} balance, also attaching screenshots. I'm not sure where this account is, but I filed a dispute with XXXX  and they said that the creditor said the account is legitimate. But none of the creditors listed or are adjacent to them have claimed this is connected to my SSN. This is so unreasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number ( from my call with XXXX XXXX XXXX XXXX  More info from XXXX XXXX : Last reported XX/XX/year> {$300.00} is Reported balance Credit limit is {$200.00} Payment status : In Collections/Charge-off Amount past due : {$300.00} Worst payment status : XXXX days late Account status : Closed Type : Credit card Responsibility : Individual Remarks : Profit and loss write-off ; Account closed by XXXX XXXX ; Account closed by credit XXXX XXXX : XXXXXXXX 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
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several fraudulent accounts listed, along with multiple incorrect names. I am requesting that these unauthorized accounts and inaccurate personal details be removed from my credit report, as they are negatively affecting my ability to obtain 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 explanation
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
To whom it may concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights. 
15 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Unauthorized Inquiries : XXXX. XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Accounts : XXXX. XXXX Account Number : XXXX These unauthorized actions constitute aggravated identity theft under 18 U.S. Code 1028A, which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability. 
As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report. 
A copy of my updated credit report reflecting these corrections. 
Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records. 
Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, 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 2025-06-20 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: NY

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 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 2025-06-20 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: TX

Complaint narrative:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
DEBTORS ARE REPORTING TO THE CREDIT BUREAUS ACCOUNTS THAT ARE FILED AND XXXX UNDER XXXX. UNDER 15 USC 1681EB THE FAIR CREDIT REPORTING ACT STATES THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT REPORT SO HOW ARE THEY ACCURATE IF THE INFO THEY CLAIMED WAS VERIFIED BY THE COURTHOUSE WASNT EVEN VERIFIED OR PROVIDED BY THE COURTHOUSE, THAT IS INACCURACY, THATS A FCRA VIOLATION. CREDIT BUREAUS ARE REPORTING INFO THAT IS NOT ACCURATE AND VERIFIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
I am writing to dispute two derogatory accounts that were previously deleted from my Experian credit report, but have now been reinserted without proper notification or verification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Reinserted Accounts in Question : Creditor : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$73000.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Both of these accounts were removed during a prior dispute, and their reappearance without written noticewithin the five-day timeframe required by FCRAis unacceptable and non-compliant. If these accounts can not be fully verified with original documentation from the furnishers, they must be permanently removed.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I tried to use my ATM card and was unable to access my accounts. The receipt stated " REQUESTED ACCOUNT NOT FOUND ". I was unable to contact customer service on XXXXXXXX  because the bank was closed for the XXXX. I went my bank office on XXXX and was told that my card was closed and I had to get a new one. They applied for a new card and I was told I would have to wait 7 -10 days. I called Customer Service and ask why I was not notified of the change. I was told they mailed out notification. 
At that time I was informed that they had just mail out a new card. I asked why wasn't the New card sent out before the canceled the old card. I was told that I couldn't have two active cards on the account. They could of done just like the rest of the world to activate the new card and automatically canceling the old card. I was unable to pay contractors for services rendered causing me major problems.

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 2025-06-20 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-20 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: FL

Complaint narrative:
Please note, this is a new complaint containing additional facts, recorded statements, and legal violations that were not included in any prior submissionsthis should not be treated as a duplicate. 

New information from XX/XX/XXXX This complaint concerns the continued reporting of an account originally opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. Despite the account being sold to multiple third parties and officially deleted by the last known debt collector ( XXXX XXXX XXXX ) as of XX/XX/XXXX, XXXX XXXX continues to report a derogatory tradeline to TransUnion. This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and creates a misleading and inaccurate consumer credit profile.

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 2025-06-20 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXX/XX/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 2025-06-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, while commuting home from work, I began receiving multiple email notifications about unauthorized charges being made to my XXXX credit card. As I was traveling on the train, I was unable to make a call immediately. When I arrived home later that evening, I attempted to contact customer support but found that no representatives were available after XXXX XXXX. 

To prevent further fraudulent charges, I logged into my account and found no option to pause or report the card as compromised only the option to cancel the card entirely, which I proceeded to do.

The following morning, I contacted customer service and spent approximately an hour speaking with the fraud department. I was told a fraud claim had been filed and was under review. 

However, on XX/XX/year>, I received an email indicating a payment was due. When I logged in, I saw a balance of approximately {$170.00}. I called customer support again to inquire and was connected to a representative who saw the dispute on file but disconnected the call unexpectedly. I

called back and reached another representative, who asked me to provide details of the transactions. While trying to log back into my account, I was unable to do so the system would not let me reset my password. I was then informed that no fraud claim had been processed, and since the card was closed, it was no longer possible to file one. I find this situation unacceptable. I am being held responsible for charges I did not authorize, and the lack of clear support or proper fraud handling is deeply concerning. I am requesting the following : A full investigation into the unauthorized charges made to my card. Immediate reversal of the fraudulent charges currently reflected on the account. Clarification on why the fraud claim was not properly processed. Access to my account records so I can review and identify the unauthorized transactions. Please acknowledge receipt of this message and advise me on the next steps. I expect this matter to be treated with urgency.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Currently on my report with Trans Union is showing I have XXXX late payment yet no account is connect or show what account I was late on this need to be deleted immediately, which is a direct violation to the consumer law. 

Equifax is reporting XXXX with no accounts link to these late payment Experian is reporting XXXX late payments with no account link to these late payments

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 2025-06-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX have agreed to accept this timeshare back to satisfy the debt. 
I have attached the paperwork below XXXX XXXX XXXX was included in the timeshare as ( XXXX XXXX XXXX  ) this creditor is fraudulently on my credit report. 

XXXX XXXX XXXX sold the debt to XXXXXXXX XXXX XXXX which now has a {$0.00} balance. By law when a creditor sells a debt, the original creditor legally can not still damage a consumers credit. 

This will be my final peaceful attempt to resolve this. 
If this is not resolved in 30 days, I will be hiring a lawyer to sue for damages, remedy, and emotional distress. 

This is the final warning Please find all attached corresponding paperwork

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