vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am disputing inaccurate and incomplete reporting by BMO Bank N.A . to XXXX 

I opened the BMO accounts in question ; however, the negative reporting being furnished is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act ( FCRA ). I am NOT claiming identity theft. 
XXXX  is reporting two separate entries with nearly identical information, identical dates, and identical coding ( account abuse ), which is misleading and appears to be duplicated. This violates FCRA 607 ( b ) and 611 because the information must be accurate, clearly reported, and fully verifiable.

I requested full verification of the information, including : - copy of the deposit account agreement, - transaction logs, - internal investigation notes, - images of the checks front and back, - device ID logs, - timestamps of each transaction, - the exact reason codes BMO used to classify the accounts as account abuse,- and the method of verification used by both BMO and XXXX 

BMO did not provide these required documents. They only restated their conclusion without supplying the actual evidence. Restating a conclusion is NOT a reasonable investigation under FCRA 611 ( a ) ( 1 ).

XXXX  also verified the information without providing the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Both parties failed to provide complete documentation to support the negative reporting.

Because the reporting is incomplete, duplicative, and unverified, I am requesting that the CFPB require BMO Bank N.A . and XXXX to : XXXX. Provide full documentation supporting the reporting, OR 2. Delete the inaccurate and unverifiable entries from ChexSystems.

I am not disputing whether the accounts were mine ; I am disputing the accuracy, completeness, and method of verification of the negative 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
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXXXXXX - XX/XX/year>

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX is reporting multiple false late payments on my credit report. These entries are 100 % inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ( a ) ). I never made any late payments on these accounts, and I demand an immediate investigation and correction. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment I dispute this late payment because I have never missed or delayed any payment on this account. The reporting is inaccurate, misleading, and violates FCRA 1681i ( a ) which requires accuracy. No proof of delinquency has ever been provided, and this false report is harming my credit and financial opportunities. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment This account information is incorrect. I have no knowledge of any late payment. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), DEPTED/CRI has a duty to report accurate information. Reporting a late payment falsely is a direct violation and is damaging my credit reputation and score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$260.00} Reported as Late Payment I dispute this account as reported. I have always made timely payments, and there is no factual basis for labeling this as late. FCRA 1681i ( a ) requires that inaccurate information be promptly corrected or deleted. I request immediate investigation and correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$1500.00} Reported as Late Payment This reporting is false and completely misleading. I have never been late on this account. Falsely reporting late payments violates FCRA 1681i ( a ) ( 1 ) ( A ) and FDCPA 1692e. It continues to cause financial and emotional harm and needs to be corrected immediately.

These false late-payment entries are harming my credit, causing financial hardship, and preventing me from obtaining fair credit opportunities. XXXX failed to ensure accurate reporting as required by FCRA 1681s-2 ( a ) ( 1 ) ( A ) and the credit bureaus failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

I request CFPB to take action and require the furnisher to provide proof of late payments or immediately correct/delete these inaccurate entries. I also request written confirmation once the investigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC
State: CA

Complaint narrative:
Company : Arcon Credit Solutions LLC Debt Owner : Absolute Resolutions Investments, LLC Account Reference # : XXXX I am filing a complaint regarding Arcon Credit Solutions LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and improper collection practices. 

XXXX contacted me by phone about an alleged XXXX XXXX XXXX XXXX debt but never mailed me the legally required written notice within five days of initial contact. I did not receive any written notice informing me of the amount of the debt, the creditor, or my right to dispute the debt all of which are required under 15 U.S.C. 1692g ( a ).

When I requested validation by phone, Arcon representatives refused to provide any documentation and stated they do not need to provide proof. They refused to provide : - Proof that XXXX XXXX XXXX, XXXX owns the debt - Chain-of-title or transfer documentation - A breakdown or itemization of the alleged {$15000.00} balance - A copy of any original agreement - Clarification of interest, fees, or charges During the call, the representative also became verbally abusive and insulting, which violates the FDCPAs prohibitions against harassment, abuse, and unprofessional conduct. 

XXXX is continuing to pressure me to enter a payment agreement without ever providing the required written notice or any form of debt validation. They have also continued to call me after I requested communication in writing only. 

I am requesting that the CFPB investigate Arcon Credit Solutions LLC for : - Failure to provide the initial written validation notice - Failure to validate the debt upon request - Continuing collection attempts without validation - Harassing and abusive conduct - Misrepresenting my rights under federal law I am seeking : - The legally required written notice and full validation - Assurance that XXXX will comply with FDCPA requirements- Cessation of phone contact - Correction of any improper or inaccurate credit reporting Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-09 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute an account on my credit report that is associated with XXXX XXXX XXXX XXXX. This account, opened on XX/XX/year>, and currently reported as open with a balance of {$3300.00}, is fraudulent and was not authorized by me. 

In accordance with the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1611 ), I request that Equifax immediately investigate this matter and remove the fraudulent account from my credit report. Additionally, under Section 623 ( 15 U.S.C. 1623 ), I also request that XXXX XXXX XXXX XXXX, as the furnisher of this information, promptly correct the inaccurate information. 

I appreciate your prompt attention to this matter and request written confirmation once the account has been investigated and removed. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONRAD CREDIT CORPORATION
State: GA

Complaint narrative:
I have filed several disputes this company refuse to take this fraudulent account off my credit report, I have provided the a identity theft report to Transunion and still hasn't been removed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The amount is paid off in full and closed but still reporting missed or late payments to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was alerted that a collection account was on my credit report. I immediately disputed the collection. Fore, I have not heard of, been contacted or had any dealing with them at all. This is definitely not my collection. 

I've attempted to contact company without any success. I have not received any proof or documentation. 

Experian immediately states the collection will remain on account, because it was verified by debt collector. I call Experian and asked if they could provide me proof, they said no. 

This is totally unacceptable, especially with all of the data breaches they have experienced and not diligently verifying information is fraudulent.

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 2025-12-10 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: CA

Complaint narrative:
After reviewing credit report I see that there is fraudulent activity on there, I have police report, FTC report, and irs documents for proof of identity theft.

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