vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX  Account No. XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account No. XXXX Date Opened XX/XX/XXXX FRAUDULENT HARD INQUIRIES XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. 

I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion.

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. 

Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The address is not mine my address is XXXX XXXX XXXX they have a different address and the account says closed

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has been holding out on a FDIC guaranteed disbursement for fraud on my checking account, i have filed dispute with them over XXXX  times now, to get them to realize it is actual fraud. They claim that someone/ I had made payments, when i hadnt. My online accounts were compromised and i did not know it, the person ( i to this day have a suspect only ) sent someone who i've never met, and have no idea who they are, over XXXX USD and when i claimed it, which was WELL within 90 days, they stated it was closed and that they did not find fraud even though i had proven it multiple times. 


At this time, i just want them to follow federal law and return the funds that were stolen. 

Its ridiculous, the government is returning it, so why would they hold on to it, when ive proven myself multiple times.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-21 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC
State: SC

Complaint narrative:
To begin with I was misled when signing up for the solar panels. Then when selling the home there were problems beaus of the solar panels. Sunlight financial would not communicate with me. Finally the realtor stepped in. Then the mortgage company. A settlement was decided in order to sell the house. During this time, sunlight changed over tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The house was sold and the mortgage company/ attorneys wire transferred the agreed settlement. Sunlight financial came back in my credit report showing late payments. I disputed and provided documentation. I even mailed in documentation to all XXXX credit bureau agencies. Reached out several times to sunlight financial. The realtor that was over the sale reached out to them as well. After 6 months of going back and forth my credit finally stated account closed and settled. A couple of days later it showed right back up with full amount owed and another late payment added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAM National Arbitration and Mediation
State: CA

Complaint narrative:
XXXX ADR Group coerced me into paying {$1300.00} on XX/XX/XXXX for a time-barred debt from XXXX. They used deceptive tactics, impersonated an arbitration/legal agency, and pressured me through misleading threats. They failed to disclose that the debt was too old to sue on, which is illegal under FDCPA, XXXX XXXX, and Californias Fair Debt Buying Practices Act. 

Details : They claimed they were assigned to arbitrate the account, implying legal authority they do not have. 
They threaten to sue me and show up to my place of business to serve me the paperwork. 
They sent a misleading XXXX document that pressured me to sign immediately. 
They did not disclose that the debt was beyond the statute of limitations. 
I was manipulated into paying {$1300.00} even though the debt was legally uncollectible. 
This constitutes misrepresentation, false statements, unfair practices, and illegitimate collection actions. 
I am requesting a full refund and an investigation. 
Desired Resolution : Full refund of {$1300.00} Investigation into illegal debt collection practices Assurance this company stops contacting me

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report, which I have meticulously reviewed and found to misrepresent my true financial history. First, the account XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$5000.00}, is not reported on Equifax. My records show that this account was managed responsibly, and any reporting that indicates otherwise is inaccurate. The omission of this account from Equifax not only fails to provide a complete and accurate representation of my credit history but also creates confusion when lenders attempt to assess my creditworthiness. This inaccuracy violates FCRA 611 regarding the dispute of inaccurate information, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to investigate, correct, and update any incorrect reporting. I request a thorough reinvestigation of this account, verification with the original creditor, and immediate correction to ensure that my credit history accurately reflects my responsible account management. 
Similarly, XXXX XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$1400.00}, is not reported on TransUnion. The absence of this account from my TransUnion report misrepresents my financial history and provides an incomplete picture of my credit activity. I have maintained this account in accordance with its terms, and any delinquency reported or inferred is inconsistent with my records. Such incomplete or missing reporting constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires all information provided to be accurate, complete, and verifiable. I request that this account be reinvestigated with the original creditor to confirm the balance, account status, and closure, and that all reporting errors be corrected to reflect my actual payment history and responsible financial behavior. 
Additionally, I dispute the collection accounts IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2500.00}, which has been deleted from Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00}, reported on TransUnion and Equifax. For the XXXX XXXX XXXX account, its deletion raises questions about the accuracy and consistency of the reporting process, as I was never properly notified or provided validation of the debt in accordance with FDCPA 809, which protects my right to proper debt verification. The XXXX XXXX XXXX account, while appearing on some reports, contains conflicting or incomplete information regarding balances, dates, and account status, which could mislead lenders regarding my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report, which I have meticulously reviewed and found to misrepresent my true financial history. First, the account XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$5000.00}, is not reported on Equifax. My records show that this account was managed responsibly, and any reporting that indicates otherwise is inaccurate. The omission of this account from Equifax not only fails to provide a complete and accurate representation of my credit history but also creates confusion when lenders attempt to assess my creditworthiness. This inaccuracy violates FCRA 611 regarding the dispute of inaccurate information, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to investigate, correct, and update any incorrect reporting. I request a thorough reinvestigation of this account, verification with the original creditor, and immediate correction to ensure that my credit history accurately reflects my responsible account management. 
Similarly, XXXX XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$1400.00}, is not reported on TransUnion. The absence of this account from my TransUnion report misrepresents my financial history and provides an incomplete picture of my credit activity. I have maintained this account in accordance with its terms, and any delinquency reported or inferred is inconsistent with my records. Such incomplete or missing reporting constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires all information provided to be accurate, complete, and verifiable. I request that this account be reinvestigated with the original creditor to confirm the balance, account status, and closure, and that all reporting errors be corrected to reflect my actual payment history and responsible financial behavior. 
Additionally, I dispute the collection accounts IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2500.00}, which has been deleted from Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00}, reported on TransUnion and Equifax. For the XXXX XXXX XXXX account, its deletion raises questions about the accuracy and consistency of the reporting process, as I was never properly notified or provided validation of the debt in accordance with FDCPA 809, which protects my right to proper debt verification. The XXXX XXXX XXXX account, while appearing on some reports, contains conflicting or incomplete information regarding balances, dates, and account status, which could mislead lenders regarding my financial responsibility.

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 2025-11-21 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to my ongoing frustration with the persistent inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion. Despite numerous disputes, these credit bureaus have failed to correct or remove outdated and unverifiable information from my files, violating several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I have found outdated addresses on my credit reports, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX which have remained attached to my records despite no longer representing me. Under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), these unverifiable addresses must be removed. Furthermore, my XXXX XXXX XXXX  account # XXXX is reported differently across all bureaus, with conflicting activity dates, last payment dates, and late payment statuses, violating FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( a ) ( 2 ). The inconsistent reporting of my XXXX XXXX accounts ( # XXXX and # XXXX ), with differing balances and late marks, should be permanently deleted as per FCRA 611 and FCRA 605B. My XXXXXXXX XXXX XXXX  account, only listed on TransUnion, shows a {$0.00} balance with a charge-off status, which can not be verified, violating FCRA 605B. Additionally, collection accounts like XXXX XXXX # XXXX ( {$2600.00} ), XXXX XXXX # XXXX ( {$5600.00} ), and others show inconsistent balances and ownership data, breaching FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611, as they are unverifiable and should be deleted. Despite multiple attempts to resolve these issues, the bureaus have failed to reinvestigate or provide proper verification within the 30-day period required by law. Therefore,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit report for two accounts. The first account, XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$0.00}, which I believe is inaccurate. The second account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$1000.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, all of which I dispute. These inaccuracies are affecting my credit profile and may impact my ability to obtain credit, loans, or other financial services. I request that the credit reporting agencies thoroughly review these accounts, verify all reported information directly with the creditors, and correct any inaccurate details.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Credit cart bills that I did not do I dnt kno how I owe them my info was stolen years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, which I obtained on XXXX. This letter is being sent in accordance with my rights under the * * Fair Credit Reporting Act ( FCRA ) * * to ensure that all information reported is accurate, complete, and verifiable. 

Please investigate the following account ( XXXX ), as the information listed is inaccurate, unverifiable, outdated, or incomplete. I request that these items be permanently deleted from my credit file if they can not be verified or corrected promptly.

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 2025-11-21 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

1. XXXX  XXXX XX/XX/year> 2. XXXX XX/XX/year> 3. XXXX XXXX 4. XXXX XXXX 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 non-monetary relief