vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a follow-up complaint against * * Experian * *, which has failed to adequately respond to * * XXXX prior complaints * * already submitted to the CFPB. These complaints remain unresolved. 

Despite my full cooperation and timely response to their document requestsincluding providing them with * * valid government-issued identification and proof of address * * Experian continues to send redundant emails asking for the same documents Ive already submitted. 

Furthermore, Experian has removed my current address from my credit file * * without proper cause * *, which is now preventing me from obtaining an updated copy of my credit report. This is causing tangible harm by * * hindering my ability to monitor my credit and access essential financial services * *. 

I believe Experian is violating multiple provisions under federal law : -- - # # # * * 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * * * * 1681i ( a ) : Reinvestigation of Disputed Information by Consumer Reporting Agency * * Requires CRAs like Experian to conduct a reasonable reinvestigation of any information disputed by a consumer within * * 30 days * *. Experian has failed to adequately investigate or respond to my disputes. * * * 1681g ( a ) : Disclosures to Consumers * * Entitles me to a complete and accurate disclosure of the information in my file. Denying me access to my
report due to the removal of my address, despite having already submitted valid ID, is a clear violation.

* * * 1681c ( a ) : Reporting of Consumer Information * * Incorrect or missing identifying information, such as my current address, may cause the report to be inaccurate, which is prohibited.

* * * 1681e ( b ) : Accuracy of Reports * * CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information. Repeatedly deleting my address and requesting redundant ID contradicts this obligation. 

-- - # # # * * 2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. * * * ( if this involves a debt ) * If any of the items in dispute involve a debt collector using Experian, they may also be violating this act by reporting or verifying inaccurate information.

-- - # # # * * 3. Consumer Financial Protection Act ( Dodd-Frank Act ), 12 U.S.C. 5531 * * Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Repeated document requests, failure to update my file properly, and withholding access to my report all fall under potentially * * unfair and abusive behavior * *.

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 2025-07-09 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-09 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: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/year> to inquire about a collection that appear on my credit report. He informed me that there was 2 debt collectors for this item and I informed him that I had no knowledge of either. I asked him to send me a copy of the original contract or a debt validation letter and he agreed to email it to me. He stated that was the easiest and fastest way to communicate and get it to me. I have not received anything to validate that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/year> Credit Collection Service XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Negative Item & Request for Purchase Agreement Under 15 U.S.C . 1692g Dear Credit Collection Service, I am writing to formally dispute the accuracy of a negative item reporting on my credit report. In accordance with 15 U. S. C. 1692G of the Fair Debt Collection Practice Act ( FDCPA ), I am requesting full validation of this alleged debt, including, but not limited to : 1.

2.

3. 
A copy of the original purchase agreement or contract bearing my signature, providing that I am liable for this debt A full itemized breakdown of debt, including principal, interest, in any fees added. 
Documentation showing the chain of ownership if this debt has been sold or transferred If you are unable to provide this information with the timeframe allowed by law, I request that the account be deleted from my credit report immediately as it is unverified and is in dispute additionally reporting inaccurate or unverified information valid the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Please consider this letter as a formal dispute and I request that all correspondence be conducted in writing. If this account can not be verified with proper documentation, I respect a written confirmation of its removal from my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response within legal requirement timeframe. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello. I have a huge problem with the credit bureaus handling of my disputes regarding the reporting of misinformation on behalf of creditors, collectors and furnshers. I tried to have the credit bureaus investigate, but they failed to do so. That was more than 45 days ago and I have not received any updates on the investigation. My report is still the same. I will continue to escalate this process until it is fixe or until they comply with the 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 2025-07-09 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I have an attempted phone call from Sunrise with no voicemail left. I had a text message from Sunrise yesterday from XXXX and I replied STOP as the text had no information in it - just a website and a phone number. Today I received another text from Sunrise after replying STOP to the text yesterday. I do not know what this is in regards to nor do I owe anyone a past due debt.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Management Incorporated
State: IN

Complaint narrative:
Received a call from XXXX XXXX XXXX, Phone number XXXX, stating I owed {$1400.00} to a cash loan. They claimed to be XXXX XXXX, but when I reached out to the actual company, I was advised that I have no debt with them. Was advised to file a complaint here. I have never taken out any cash loans and need to ensure my credit is nto affected.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc.
State: NV

Complaint narrative:
Client services inc reference XXXX XXXX is trying to collect a debt that is under dispute with XXXX XXXXl an auto lender. The debt thats been disputed against XXXX XXXX was supposed to be resolved with non monetary relief. XX/XX/year> I was informed that XXXX XXXX sold the debt to client services inc XXXX oXXXX XXXX  As of today XX/XX/year> XXXXXXXX XXXX  updates my debt under there companys name as if client services inc does own the debt or manages the debt Which I feel is a manipulation to the dispute process and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-07-09 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: 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 Equifax 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$770.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-09 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect. 

By continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. 

I am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o.

I respectfully request that this matter be addressed immediately.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX THIS ACCOUNT IS FRAUDULENT AND opened WITHOUT MY knowledge, I ALSO SENT FTC TO ORIGINAL CREDIT ; XXXX XXXX. THEY HAVE FAILED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE

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