vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1- Account Name : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  / Open : XX/XX/XXXX / Balance : {$4800.00} 2- Account Name : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open : XX/XX/XXXX / Balance : {$4600.00} 3- Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Open : XX/XX/XXXX / Balance : {$23.00} Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
I was once subscribed to XX/XX/XXXXXXXX. I ended the subscription in XXXX/2023, ever since that XX/XX/XXXX has failed to accurately update and report correct and up to date information about my financial standings. This has caused multiple credit requests to be declined.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/ 2025, I issued a formal Debt Validation Request to XXXX XXXX XXXX concerning an alleged {$1000.00} medical debt associated with XXXX XXXX XXXX XXXX XXXX which is being reported to consumer reporting agencies. This request was issued pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ).

My written demand requested the following substantiating documentation : Competent evidence that I bear legal liability for the alleged obligation A full accounting and itemized breakdown of the charges comprising the balance Verification that XXXX XXXX XXXX possesses legal authority and assignment to collect on the alleged debt Documentation of my express consent to treatment and financial responsibility Affirmation that the alleged obligation has been handled in full compliance with HIPAA and all applicable state and federal consumer protection laws To date, no response of any kind has been received from XXXX XXXX XXXX. They have failed to satisfy their statutory duty to provide validation, nor have they acknowledged the dispute or ceased reporting. 

Despite their noncompliance, XXXX XXXX XXXX has continued to furnish the derogatory item to Equifax and TransUnion, in violation of both the FDCPA and the FCRA. The item is still being reported as of XX/XX/2025, per the XXXX XXXX summary. Notably, XXXX  has already purged the account from its records, indicating a lack of sufficient verification. 

This constitutes the following violations : FDCPA 1692g ( b ) : Continuing collection and reporting activity without first validating the debt is a statutory violation FCRA 1681s-2 ( b ) : Furnishing inaccurate or unverified information after receiving a consumer dispute constitutes a failure to conduct a reasonable investigation and a violation of the Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting the following debt as an unpaid debt collection. This is not my debt, I do not know this company, nor do I owe this debt. I have submitted multiple dispute request, multiple information updates & requests for explanation & dispute resolution. I have received no response or resolution. Only a letter sent via post mail from Equifax stating they can not verify my identity. This negative account listed as in collection has been on my report for 3 years now with no response or resolution. 

XXXX XXXX XXXX XX/XX/year> {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
After a very long, drawn out and deliberate process, we went to arbitration with our insurance company to settle a suit against them pertaining to Hurricane Ian damage and claim from the storm on XX/XX/year>. Due to " battle fatigue '', which is what they count on, we agreed to a very reduced amount in our payment. 

All attorneys and the mortgage company ( Shellpoint, XXXX Newrez ) were paid immediately. 

We received 33 % of our agreed upon amount that the mortgage company ( Shellpoint, XXXX XXXX  ) is now holding. The remaining amount is pending a list of conditions be met before they release the rest. All conditions were met and XXXX documents to include invoices, receipts, contracts and more have been provided for proof of payment to those that have completed work from the storm damage. When we provide a requested document, a form letter is sent back to us requesting different information. All of the information has been sent on more than XXXX occasions and the mortgage company is refusing to pay our remaining balance even after all their conditions are met.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is in reference to the response letter I received from Experian regarding my submitted disputes. In the letter, Experian is requesting additional personal information in order to verify my identity and move forward with the investigation process. I am preparing to provide the necessary documents and details to facilitate the continuation of these disputes.

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 2025-05-20 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: NCB Management Services Inc.
State: IL

Complaint narrative:
I would like to file a complaint against NCB Management Services also XXXX for reporting this inaccurate account which is violating the FCRA.

Subject : Formal Dispute of Inaccurate Credit Reporting Dear NCB Management Services, I am writing to formally dispute inaccurate and misleading information that you have reported to [ Name of Credit Bureau, e.g., XXXX ] regarding my account with you. This inaccurate reporting has had a negative impact on my credit file, and I respectfully request an immediate investigation and correction.

Specifically, the following details are being inaccurately reported : Payment History : The reported payment history contains incorrect information that does not reflect the actual payments made.

Account Terms : The terms associated with the account are not consistent with the original agreement.

Closing Date : The date listed for account closure is incorrect.

Account Status : The current status of the account is misrepresented and does not accurately reflect its condition.

I request a method of verification from XXXX, and XXXX I would like to know who did you speak to to verify this account, what did they say, what time did you speak, what date did you speak? to confirm the accuracy and validation of this alleged debt. this account is reporting No info amongst many categories which means it's invalid and it shouldn't be on my credit report if the account can't be validated, nor verified. Regulation F is violated, also the FDCPA is being violated here as well. I request this method of verification whithin 15 days if you can not give this information to me within that legal time frame I ask that this account be removed from my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you review the accuracy of the information you provided to [ Credit Bureau ], correct any errors, and ensure that only verified, accurate, and complete information is reported. I ask that this dispute information be handled properly. 


Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I would like to file a complaint against XXXX XXXX XXXX also TransUnion for reporting this inaccurate account which is violating the FCRA. 

Subject : Formal Dispute of Inaccurate Credit Reporting Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate and misleading information that you have reported to [ Name of Credit Bureau, e.g., Experian/XXXX/TransUnion ] regarding my account with you. This inaccurate reporting has had a negative impact on my credit file, and I respectfully request an immediate investigation and correction.

Specifically, the following details are being inaccurately reported : Payment History : The reported payment history contains incorrect information that does not reflect the actual payments made.

Account Terms : The terms associated with the account are not consistent with the original agreement.

Closing Date : The date listed for account closure is incorrect.

Account Status : The current status of the account is misrepresented and does not accurately reflect its condition.

I request a method of verification from TransUnion, and Experian I would like to know who did you speak to to verify this account, what did they say, what time did you speak, what date did you speak? to confirm the accuracy and validation of this alleged debt. this account is reporting No info amongst many categories which means it's invalid and it shouldn't be on my credit report if the account can't be validated, nor verified. Regulation F is violated, also the FDCPA is being violated here as well. I request this method of verification whithin 15 days if you can not give this information to me within that legal time frame I ask that this account be removed from my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you review the accuracy of the information you provided to [ Credit Bureau ], correct any errors, and ensure that only verified, accurate, and complete information is reported. I ask that this dispute information be handled properly. 


Thank You, 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 2025-05-20 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXXredit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I have a dispute from the team wanted to check and see what the account was experiencing from we bull in the investigation of the fraudulent return. The unauthorized billing dispute of {$250.00} from the XXXX XXXX account. I have a receptionist saying the bill was reversed and the payment was not provided with the process of the deposit. I want to verify the deposit took transaction with Chime app transfer. I have a delayed payment from the XXXX employee from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: MO

Complaint narrative:
The Grow Credit account reporting to XXXX  under account number ending in XXXX reflects a late payment status that is not fully compliant with XXXX XXXX standards. I requested a full investigation into the accuracy, verification, and completeness of the data being reported including a breakdown of Date of Last Activity, High Credit, Payment Status, and Date Reported but did not receive a response that satisfied industry formatting or compliance obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
I was once subscribed to EXPERIAN XXXX. I ended the subscription in XX/XX/year>2023, ever since that Experian has failed to accurately update and report correct and up to date information about my financial standings. This has caused multiple credit requests to be declined.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Identity Theft Statement I, XXXX XXXX, declare that I am a victim of identity theft. 
A fraudulent account was opened in my name with Bank of America without my knowledge or authorization. 
Details of the unauthorized account : - Bank Name : Bank of America- Account Open Date : XXXX Account Close Date : XXXX Reason for Closure : Identity Theft- Consumer ID : XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not apply for, open, or use this account. I became aware of the fraudulent activity after reviewing my XXXX XXXX XXXX XXXX I have filed a police report and submitted an FTC Identity Theft Report as required under the Fair Credit Reporting Act. 
I request that Bank of America permanently close and remove any fraudulent accounts in my name, cease reporting any negative information related to them, and provide written confirmation that this issue has been resolved. 
This statement is true and accurate to the best of my knowledge and is made under penalty of perjury. 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: MO

Complaint narrative:
The Kovo account is reporting inaccurate and inconsistent information across credit bureaus. Despite multiple dispute attempts, the company has failed to validate or update the account. Payment status, dates, and balance info do not match XXXX XXXX standards. No supporting documents were provided to confirm the accuracy of the data, which continues to harm my credit.

Company response to consumer: Closed with explanation