vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in XXXX  XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
To Whom It May Concern I am filing this complaint because several wrong addresses and inaccurate accounts continue to appear on my file without proper verification. These errors violate my rights under the FCRA and FDCPA and have caused ongoing harm. I have no connection to these addresses or accounts, and I request a full lawful reinvestigation. 

XXXX XXXX XXXX, MI XXXX This address has never belonged to me, and its continued reporting violates FCRA 604 and 607 ( b ) because you are maintaining information with no permissible purpose or verification. This wrong address directly affects the accuracy of my file and must be deleted. 

XXXX XXXX XXXX XXXX, MI XXXX I have no connection to this location, and its presence shows clear inaccuracy. Under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ), I have the right to know the source and demand correction when the information can not be verified. This address must be removed entirely. 

XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account and have never authorized or opened any account with this creditor. Reporting a charge-off I do not recognize violates FCRA 602As accuracy mandate and 611 ( a ) s reinvestigation requirement because your previous responses failed to provide any verification. This account must be deleted because it can not be tied to me and constitutes an unlawful furnishing of information without proper validation under FCRA 604 and 607 ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Collection I do not know this collection account, have never opened any service tied to it, and have never authorized this debt. Under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ), you must provide complete verification, which you have failed to do in prior rounds. Any collection account that can not be verified to me must be deleted under FCRA 611 ( a ) ( 5 ) because retaining unverifiable information violates federal accuracy standards. 

I request deletion of all wrong addresses and any account that can not be fully verified. These items do not belong to me and violate federal accuracy and reinvestigation requirements.

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 2025-11-28 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kikoff Inc.
State: AZ

Complaint narrative:
Remove the kick off please just help me grow my credit thankssss

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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 2025-11-28 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I received a letter from Portfolio Recovery Associates about a debt that I do not owe. The XXXX XXXX card was sold to them which means that it is a tax write off. There is no wet signature that proves that I owe them this debt and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint regarding the failure of the credit bureausparticularly Equifax ( and any others showing these inquiries ) to remove multiple unauthorized or erroneous credit inquiries made by XXXX XXXX despite XXXX XXXX written confirmation that these inquiries should be deleted. 

On XX/XX/year>, I contacted XXXX XXXX  for a VA loan prequalification. During this process, XXXX XXXX  pulled my credit multiple times due to an issue obtaining an Equifax score. XXXXXXXX XXXX  later acknowledged that several of these inquiries were the result of file variation errors and not legitimate hard pulls needed for my application. 

XXXXXXXX XXXX has confirmed to me verbally and in writing that * * XXXX of the inquiries should be removed * *. They also stated that they have instructed their credit vendor to request deletion from the credit bureaus and that the deletion should occur within 30 days. 

# # # * * Creditors Written Confirmation XXXX XXXX  XXXXXXXX XXXX provided a formal written response to my initial CFPB complaint dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  signed by XXXX XXXX XXXX, Director of Customer Complaint Management. Their letter ( excerpted below ) confirms their agreement to delete the inquiries : > We understand your concerns and are working with our credit vendor to remove XXXX of these inquiries from your credit report given the error messages we received when pulling your credit. Please allow up to XXXX for the inquiries to be removed from your credit report. 

XXXXXXXX XXXX  has also sent multiple inquiry-deletion letters to the credit bureaus on my behalf. 

# # # * * Current Issue * * Despite : 1. XXXXXXXX XXXX confirmation that XXXX inquiries are erroneous, 2. Multiple deletion letters sent by XXXXXXXX XXXX to the credit bureaus, and 3. The creditors official written statement to the CFPB agreeing these inquiries should be removed, * * the credit bureaus have refused or failed to remove the inquiries. * * These inquiries continue to appear on my credit report and are negatively affecting my credit profile. The credit bureaus have not provided any explanation for their refusal to correct this verified, creditor-acknowledged inaccuracy.

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 2025-11-28 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: NV

Complaint narrative:
I am disputing the above-referenced accounts as inaccurate, unauthorized, and not belonging to me. These accounts were not opened by me and do not belong to my identity or personal information. I have submitted an FTC Identity Theft Report and a CFPB complaint to document these issues.

Equifax Data Breach Engagement # : XXXX Under the Fair Credit Reporting Act : FCRA 605B ( 15 U.S.C. 1681c-2 ) requires Equifax to block and delete any information resulting from identity theft or identity misinformation when notified by the consumer and supported by an identity theft report.

FCRA 1681e ( b ) requires Equifax to ensure maximum possible accuracy in all reporting.

FCRA 1681i requires the deletion of any information that is inaccurate, unverifiable, or can not be confirmed as belonging to the consumer.

Any access or reporting without a permissible purpose is a violation of FCRA 1681b.

These accounts do not belong to me. I am requesting an immediate block and permanent deletion of all three accounts under FCRA 605B, as well as a full reinvestigation under 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-28 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following items on my credit report that I believe are inaccurate or incomplete. The accounts listed below have discrepancies that I would like to have investigated and corrected. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My card was inactive so cash app closed my account and I wasn't able to get back in a total of {$800.00} was still in balance so i lost it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
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 explanation