vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent debt reported by XXXX XXXX on my XXXX credit report. I have been disputing this account consistently for the past XXXX years, and despite my repeated efforts, it remains unresolved. 

XXXX XXXX continues to claim that they have verified the account as belonging to me, alleging that payments have been made. However, I have not made any payments on this account, nor have I ever opened or agreed to any account with XXXX XXXX. Additionally, the information reported on the account does not match my personal identifying information. 

To date, I have taken the following steps to resolve this matter : Filed multiple disputes directly with Experian ; Submitted numerous complaints to the CFPB and the FTC ; Filed an identity theft report with my local police department ; Provided documentation to both the credit bureau and the original creditor supporting that I am not the account holder. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, a credit reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes information. Experian has failed to properly investigate or remove the false account. Additionally, under FCRA XXXX XXXX XXXX XXXX, the information furnisher ( XXXXl XXXX ) is prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute. 

This ongoing situation has caused significant emotional and financial distress, impacting my creditworthiness and daily life. Despite complying with all legal procedures and providing sufficient evidence, the debt remains on my reportwrongfully. 

I am requesting the immediate removal of this fraudulent XXXX XXXX account from my XXXX credit report in compliance with the FCRA. I also ask that this issue be fully investigated and that the responsible parties be held accountable for their continued violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In my credit report, Barclays is reporting late payments from XX/XX/XXXX to XX/XX/XXXX. I disputed this XXXX times, and they responded each time stating the information is accurate or verified, but have never provided the legally required billing statements for those specific months. I requested proof that those statements were delivered at least XXXX days before each due date, as required under XXXX XXXX XXXX XXXX, and they failed to provide it. Instead, they sent irrelevant recent statements. Their continued reporting of unverifiable and potentially false information is a clear violation of federal law and a failure to conduct a reasonable investigation under XXXX XXXX XXXX XXXX ( b ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX that a derogatory remark had been placed on my credit report. When I looked at it, the notice said it was from National Recovery Agency ( NRA ) for $ XXXX have never heard from or about them, nor do I have an outstanding debt. I called and was told it was due to a payday loan I received in XXXX. I never got a payday loan. I asked why I was not informed about this issue, and they claimed they did not have time to contact me. I did not think this kind of action was legal. Now my credit score went down XXXX points because of a loan I never received, and a collection agency that has the power to make a significant ding to my credit without involving me in the process. 

On XX/XX/XXXX, I received a text about this so-called debt. This was after they significantly hurt my credit score. To be frank, I probably would have negotiated a settlement for this false debt to save my credit score, but National Recovery decided to be XXXX  and secretive.

This report asks that I attach supporting documents. I do not have any, as I never received anything from NRA.

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 2025-06-18 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX FCTUALDATA Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-06-18 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: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank, Capital One, has restricted all of my accounts since Tuesday, XX/XX/year>, due to a suspected fraud investigation. I have fully cooperated, submitted all requested documentation promptly, and have called daily for updates. 
Despite my consistent efforts, I have received no meaningful updates. I was only informed today that my case had supposedly been escalated earlier something no one had previously communicated to me. I was also told that no one will reach out to me directly and that I must continue calling in myself for updates. I have no access to any of my funds, which is causing severe financial hardship. I am scheduled to leave the country in less than XXXX weeks and urgently need access to my money. 
The representatives I speak with are often rude, dismissive, and unable to answer even basic questions. Im repeatedly told, each case is different, and we understand your frustration, but no one provides any real assistance. I understand that my case may involve potential fraud and that Im not the only customer affected but that does not make my situation any less urgent. I have remained patient and respectful, but I am now extremely frustrated. During my most recent call today, I was told to call back tomorrow, or XXXX or maybe next week, which gives the impression that the representatives themselves are unsure of the process or timeline. This lack of clarity and accountability is unacceptable. 

What I have done : Submitted all requested documents on XX/XX/XXXX. 

Called Capital One daily since XX/XX/XXXX. 

Requested escalation and partial fund access denied. 

Was told today ( XX/XX/XXXX ) that my case was escalated, but no one can tell me when or by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Closed account in XX/XX/year> paid statement balance citi will not leave me alone still allowing unauthorized charges from spotify, insisting I owe interest on amount I paid off early.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. KIKOFF Account XXXX : XXXX XXXX. XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA XXXX ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the XXXX window outlined in FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Climb Credit Inc.
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. CLIMB Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA XXXX ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the XXXX window outlined in FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am submitting this formal complaint concerning several inaccurate late payment entries that are being reported across all three major credit bureausTransUnion, XXXX and XXXX the exception of one tradeline which XXXX has already resolved. Specifically, the tradelines in dispute involve the following accounts : XXXX XXXX account ending in XXXX, reported with a late payment dated XX/XX/XXXXXXXX XXXX XXXX XXXX account ending in XXXX, with a reported late payment dated XX/XX/XXXX XXXX XXXX XXXXXXXX account ending in XXXX, with a reported late payment dated XX/XX/XXXX ; and XXXX account ending in XXXX, with a reported late payment dated XX/XX/XXXX. These accounts are all currently reporting a past due amount of {$0.00}, which suggests that there are no outstanding balances and that the accounts are either closed in good standing or have since been brought current. 

Despite this, the continued reporting of late payment marks on these tradelines is inaccurate, misleading, and unfairly damaging my credit profile. It misrepresents the current state of these accounts and implies a level of delinquency that does not reflect my payment history or present financial condition. NotablyXXXX XXXX  has already updated the XXXX tradeline to reflect a positive status, as they were unable to verify the late payment and therefore removed the derogatory mark. However, TransUnion and XXXX XXXXontinue to report that same late payment without having provided any documented verification or evidence in support of it, which raises further concern over the legitimacy of their reporting processes. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. When a credit reporting agency can not verify a disputed account or delinquency with proper supporting documentation from the data furnisher, it must remove or correct that information in a timely manner, as stated under 15 U.S.C. 1681i ( a ). Furthermore, the continued presence of these outdated or unverifiable late payment marks is materially damaging my credit score, which affects my ability to access favorable terms for credit, housing, or financial services.

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