vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute inaccuracies in my credit report. Below are the accounts in dispute, separated by each bureau : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$930.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment 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 2025-11-18 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a XXXX XXXX XXXX XXXX. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-11-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have disputed this acct for 4 months now, and it hasnt been fixed yet. there are numerous things that the bureaus are violating and have not removed the acct. my next step is sueing

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 2025-11-18 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: NC

Complaint narrative:
i have disputed this acct for 4 months now, and it hasnt been fixed yet. there are numerous things that the bureaus are violating and have not removed the acct. my next step is sueing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccuracies in my credit report. Upon reviewing my credit file, I identified several items that need to be corrected. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I request that they be investigated and corrected promptly. 
Disputed Accounts : 1. Account : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Negative Issue : The reported balance is incorrect, and this account should reflect a " charge-off '' status instead of being reported as " paid in full for less than the full balance. '' 2. Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Negative Issue : The account has been inaccurately reported with multiple XXXX late payments despite consistent payments. Please correct this information to reflect my actual payment history. 
FCRA Violations : Inaccurate Reporting : Under FCRA Section 605, accounts must be reported with accurate payment history and charge-off status.

Failure to Report as Paid in Full : As per FCRA Section 605 ( b ), fully paid accounts should be marked as " paid '' or " settled. '' Data Breach Concerns : Given the nature of the errors, I am concerned these discrepancies stem from unauthorized access to my information, indicating a potential data breach as noted in FCRA Section 603.

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 2025-11-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NE

Complaint narrative:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2025-11-18 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: VA

Complaint narrative:
My issue is with the credit reporting agencies XXXX  and equifax. Both agencies have accounts listed on my credit report that have been there for over 20 years, especially a debt collector who bought my student loan debt and could not provide me the original paperwork. I was XXXX XXXX XXXX when this debt was accumulated and they both have it listed as 2021 when the debt collector bought this debt. Also there are soo many collections that should no longer be on my credit report and I have disputed all of them several times and still refuse to remove these items. The only debt I have on my report is two credit cards XXXX XXXX XXXX  and XXXX XXXX in the past 10 years. That is the only thing accurate on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
My issue is with the credit reporting agencies XXXX  and XXXX. Both agencies have accounts listed on my credit report that have been there for over XXXX  years, especially a debt collector who bought my student loan debt and could not provide me the original paperwork. I was XXXX XXXX XXXX when this debt was accumulated and they both have it listed as 2021 when the debt collector bought this debt. Also there are soo many collections that should no longer be on my credit report and I have disputed all of them several times and still refuse to remove these items. The only debt I have on my report is XXXX credit cards XXXX  XXXX bank and XXXX XXXX in the past 10 years. That is the only thing accurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THEY VIOLATED MY RIGHTS AS A CONSUMER UNDER 15 USC 1681C-2 AND I NEED THIS ACCOUNT BLOCKED AND REMOVED WITHIN 4 DAYS OF RECIEVING THIS FTC REPORT AND ALL OF MY DOCUMENTS VERFYING MY IDENTITY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EdFinancial Services
State: TX

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name EdfinancialXXXXXXXX XXXX XXXX XXXXXXXX Edfinancial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am writing to dispute certain inaccuracies reflected in my credit reports with the three major credit bureaus ( Equifax, XXXX XXXX XXXX ). Below are the details of the disputed accounts that require correction. 

Equifax : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I was notified today that I had a wage garnishment that was going to start getting taken from my check. It seems it could be an old credit card with Citi bank but I do not have any record of this account on my credit report or anywhere else. 
I did not receive any notification that this account was in litigation and did not have a chance to dispute or be able to show up to court. Please help me if you can.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has a rewards program. I started using it back in XXXX. While I can see that Citi has the information on my purchases going back to XXXX, not a single dollar has been disbursed. Citi customer service refuses to help. They say it is a vendor issue. The vendor then says call Citibank. Citi has shown all rewards from multiple vendors as pending going back to XXXX. The vendors are 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: IA

Complaint narrative:
OppLoans / XXXX XXXX XXXX ( XXXX ) FCRA Violations Your Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. What is this complaint about? 
This complaint concerns inaccurate, inconsistent, and misleading credit reporting by Opportunity Financial , LLC ( OppLoans ) and XXXX XXXX XXXX  ( XXXX ) in violation of the Fair Credit Reporting Act ( FCRA ). 
OppLoans/XXXX  is furnishing contradictory information to XXXX  and third-party users of XXXX data. These inaccuracies have harmed my credit score and my ability to obtain credit. 
________________________________________ XXXX. Summary of the Issue I have documented evidence that OppLoans/XXXX  has reported the same account with two completely different statuses, depending on who pulls the report. 
A. XXXX  Consumer Disclosure ( XX/XX/XXXX ) The OppLoans/XXXX  account is reported as : Closed Charged Off / Profit & Loss Writeoff Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) The same account is shown as : OPEN Unsecured Loan Balance : {$2300.00} Open since XX/XX/XXXX These two versions of the same tradeline directly contradict each other. 
A loan can not be both : Closed/Charged Off, and Open/Active, at the same time. 
This is a textbook FCRA violation. 
________________________________________ XXXX. Why this violates the FCRA A. Violation of FCRA 623 ( a ) ( 1 ) ( A ) Furnishers ( OppLoans/XXXX  ) must report information that is accurate and not materially misleading. 
Reporting the same loan as : Closed/charged off to my XXXX  file, but Open/active to a third-party lender is materially misleading and demonstrably inaccurate. 
________________________________________ B. Violation of FCRA 607 ( b ) CRA Maximum Possible Accuracy XXXX  is distributing contradictory versions of the same tradeline due to OppLoans/XXXX  inconsistent furnishing. 
This inconsistency harms my creditworthiness and causes confusion for lenders. 
________________________________________ XXXX Violation of FCRA 611 Failure of Accurate Reinvestigation I disputed this item previously. 
Despite that, the account continues to be reported inaccurately across different versions of XXXX data. 
OppLoans/XXXX  has either : Re-verified inaccurate information, or Furnished conflicting data during the dispute process Both are violations of 623 ( b ). 
________________________________________ XXXX. Harm Caused to Me These inaccuracies have caused : A significant and unexplained drop in my credit scorXXXX Confusion for lenders reviewing my file Denial of credit due to the appearance of an active delinquent loan Emotional distress and financial harm Inability to understand or correct my credit file due to conflicting information Reporting an account as open AND charged off at the same time seriously damages creditworthiness and implies current default, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8,

Company response to consumer: Closed with non-monetary relief