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: PA

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 identity 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 completeandaccurate.

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: PA

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 identity 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 completeandaccurate.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this written request for a formal investigation of inaccurate information appearing on my credit report. I am disputing the information listed below because it is incorrect, incomplete, or otherwise not being reported in accordance with the XXXX reporting guidelines and the FCRA. The balance, and amount owed and opening dates are all wrong.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I never consented to this inquiry, and it appears to be fraudulent.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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 public response: Company believes it acted appropriately as authorized by contract or law
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: 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: TX

Complaint narrative:
DEMAND FOR DELETION AFTER FAILED INVESTIGATION XXXX XXXX  - XXXX Previous failed request : Investigation confirmation XX/XX/XXXX Results # XXXX Reinvistigation request XX/XX/XXXX Results # XXXX XXXX request XX/XX/XXXX Results # XXXX XXXX request XX/XX/XXXX Results # XXXX XXXX Request XX/XX/XXXX Results # XXXX Despite these legal obligations, you have repeatedly verified the same inaccurate information without providing : Evidence of a reasonable investigation Evidence from the furnisher supporting the accuracy Any documentation to validate the reporting Repeated verification without performing a true reinvestigation is a violation of federal law. Because you have now failed three times, the FCRA requires you to delete the information if it can not be proven 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TomoCredit Inc.
State: SC

Complaint narrative:
I have reached out to the help desk at TomoBoost via email due to the fact that there was no contact information given on the last complaint I filled ( XXXX ). I am unable to reach " XXXX '' or whomever is over the helpdesk to resolve my issue. I have paid {$300.00} for a service I feel like i was not given. I am unable to access the help page on Tomocredit to restart my subscription ( because they have suspended my account ). I paid {$300.00} and the other level tiers do not offer what I paid for. So if i have to keep the subscription for a year, I would like to have my account unfrozen or have my account fully refunded because I am out {$300.00}. I would like a physical number to reach out to someone or receive a partial refund.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX  reporting of an account originally issued by XXXX XXXX XXXX XXXX The account has been inaccurately reported, is inconsistent across the credit bureaus, and XXXX XXXX XXXX has XXXX to provide legally required information regarding the current owner/assignee. 

On XX/XX/year>, I sent a certified correspondence to XXXX XXXX XXXX XXXX XXXX rights under TILA XXXX ( f ) ( XXXX ), XXXX U.S.C. XXXX ( f ) ( XXXX ), requesting the name, address, and telephone number of the current owner/assignee of the account. XXXX was confirmed by XXXX on XX/XX/year>. XXXX XXXX XXXX has not responded within the statutory period, failing to meet federal legal obligations. 

Despite the account being sold to XXXX XXXX XXXX, Experian continues reporting the following inaccurate or unsupported information : Closed. {$4500.00} written off Status : Purchased by another lender without identifying the current owner Highest balance of {$5800.00}, despite the account being sold and a {$0.00} balance owed Outdated delinquency information that does not reflect transfer of ownership This conduct violates multiple federal statutes : XXXX. FCRA XXXX ( b ) Experian failed to maintain maximum possible accuracy in reporting. 
XXXX. FCRA XXXX ( a ) Experian failed to conduct a reasonable reinvestigation after a timely dispute. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX & XXXX furnished information they knew or should have known was inaccurate. 
XXXX. FCRA XXXX ( b ) XXXX & XXXX failed to investigate after being provided notice of the dispute. 
XXXX. FCRA XXXX Reporting of adverse information after account transfer without verification is prohibited. 

The continued reporting of this account as delinquent or in a charged-off state, without verified ownership information, is materially misleading, harms my creditworthiness, and constitutes a willful failure to comply with federal law.

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: CITIBANK, N.A.
State: FL

Complaint narrative:
Formal Request for removal of Federally Trademarked Copyright name associated with Accounts ending in XXXX / XXXX / XXXX Dear : Citi Bank has received 3 Notices of Intent, of Revocation of Election, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act ofXX/XX/XXXX 5 U.S.C. 552a, demanding immediate cease and desist action concerning the unauthorized dissemination of my personal, financial, and identifying information to Credit Reporting Agencies. Privacy Act of XX/XX/XXXX, 5 U.S.C. 552a : Protects against unwarranted dissemination of personal records by any agency or entity acting in concert with federal oversight or support. FCRA, 15 U.S.C. 1681b ( a ) : Restricts the permissible purposes for the furnishing of consumer reports and information. Gramm-Leach-Bliley Act, 15 U.S.C. 68016827 : Mandates the safeguarding and nondisclosure of nonpublic personal information without express, written consent. Right to Privacy and Due Process under the U.S. Constitution : Furnishing of sensitive consumer data without clear, informed, and revocable consent infringes upon fundamental rights of due process and personal privacy. Trademark violation of the United States Copyright Act, specifically 17 U.S. Code 501 - infringement of Copyright without written approval. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), furnishers must ensure the accuracy of information reported to credit bureaus. Citi Bank did not provide adequate forms to opt out of personal information 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am submitting this complaint because multiple companies have failed to correct inaccuracies on my credit file, ignored identity theft documentation I provided, continued furnishing information without a permissible purpose, and conducted improper investigations that did not comply with the FCRA. 

TransUnion has repeatedly sent dispute results and investigation notices to an incorrect address, despite my written and documented updates. This means my credit report and personal information have been disclosed to an unknown third party for years. TransUnion also failed to notify me of investigation results, failed to correct my personal identifying information, and allowed reinsertion or reappearance of accounts under variant names without providing the required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice. 

XXXX XXXX is reporting a collection account that they no longer have any legal authority to furnish. The original creditor, XXXX, formally recalled the debt and issued me a new active account number. Once XXXX reclaimed the account, XXXX XXXX lost all authority to collect, verify, or report. Their own representatives confirmed they could no longer speak to me about the account. Under the FCRA and FDCPA, a collector without an active business relationship can not furnish or verify information. This collection must be removed, yet XXXX XXXX continues to report it. 

XXXX XXXX XXXX XXXX XXXX XXXX is reporting under variant and inconsistent names and has ignored my identity theft documentation, including an FTC Identity Theft Report, supporting documentation, and police report details. These variations appear as reinsertions, despite my disputes and without any required reinsertion notice or proper verification. 

Across all companies involved, I have repeatedly requested investigation results, verification, and correction of my personal identifying information. None of these companies have provided the required information, corrected the errors, or complied with the FCRAs investigation and notice requirements. 

I am seeking CFPB assistance to ensure all parties comply with federal law, correct the inaccurate and unauthorized reporting, and stop the continued harm to my credit and personal data.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the medical collection reported by XXXX XXXX XXXX in the amount of {$1600.00}. 
I do not recognize this account. I have NEVER received any XXXX XXXX from XXXX XXXX XXXX or from any provider associated with this debt. 
This debt is not mine, was never authorized, and I was never billed for or notified about this alleged account. 
Additionally, this medical collection was reported within the first year of the alleged service date, which violates FCRA 605 ( a ) ( 6 ), which prohibits the reporting of medical debts for 365 days after the date of service. 
Because this account is unverified, unauthorized, unknown to me, and illegally reported, I request immediate deletion from my Experian credit file. 
Please provide written confirmation when this unverified account has been removed. 
Sincerely,

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am the victim of identity theft. A fraudulent loan account ( Account No. XXXX ) that I never opened, authorized, or benefited from is being reported on my credit reports by Experian and XXXX and furnished by XXXXXXXX XXXX. 

I submitted a valid FTC Identity Theft Report and police report, which together meet the statutory definition of an identity-theft report under 15 U.S.C. 1681a ( q ). Despite receipt of this documentation, both Experian and XXXX failed to apply the mandatory identity-theft block required under FCRA 605B and instead continued reporting the fraudulent tradeline. 

The same fraudulent tradeline is reported by both Experian and XXXX, yet each bureau is reporting materially contradictory information for the same account number. Experian reports balance updates as recent as XX/XX/XXXX, ongoing charge-off activity, and 35 negative months, while XXXX reports the account as closed and sold on XX/XX/XXXX, with no post-closure activity. These facts can not coexist. An account can not be closed and sold in XXXX while simultaneously accruing balance updates and negative reporting years later. 

The screenshots I provided show that XXXXXXXX XXXX is listed with the exact same physical address on both credit reports, proving that the contradictions do not stem from different creditors or branches. Instead, they originate from the same furnisher providing inconsistent, unreliable, and fabricated information to different consumer reporting agencies. 

I also disputed the account directly with XXXX. In response, XXXX relied on an alleged XXXX XXXX Bank application, even though I have never had any relationship with XXXX XXXX. That alleged application fails to comply with the E-SIGN Act, lacks valid consumer consent, and does not establish liability or authorization. This confirms that the account is not mine and that XXXX is reconstructing or fabricating account information rather than relying on competent original records. 

Despite clear evidence of identity theft, contradictory reporting across bureaus, and unreliable furnishing, Experian and XXXX  continued to publish this tradeline, failed to conduct a reasonable investigation, and ignored their statutory duty to block identity-theft information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Account : JPMCB AUTO XXXX JPMorgan Chase Bank, account ending in XXXX The exact same auto loan account is being reported with completely different payment histories across the XXXX credit bureaus : TransUnion shows a 100 % on-time payment history for the entire two-year reporting period with no late payments whatsoever. 
Experian and Equifax are reporting multiple severe delinquencies on the same account, including several XXXX and XXXX late payments in XXXX and XXXX. 

All other account details match exactly across all three bureaus ( open date XX/XX/XXXX, current balance {$24000.00}, original loan amount/high credit {$29000.00}, monthly payment {$610.00}, account status Current with {$0.00} past due ). 

This inconsistent and inaccurate reporting of late payments on Experian and Equifax is false. The correct payment history is the perfect on-time history currently shown on TransUnion. 

I have attached screenshots from IdentityIQ clearly showing the identical account details and the drastic differences in the reported payment history. 



Thank you.

Company response to consumer: Closed with explanation