vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MI

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 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 XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 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 2025-11-24 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: MO

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
The following accounts and inquiries are being disputed because the information appears to be incorrect, duplicated across multiple dates, or reporting inaccurately. I request a full reinvestigation. 

Charged Off Accounts XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6900.00} XXXX XXXX XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXXXXXX XX/XX/XXXX {$5400.00} XXXX XXXXXXXX XX/XX/XXXX {$7400.00} XXXX XXXXXXXX XX/XX/XXXX {$3700.00} XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXX XXXXXXXX XX/XX/XXXX {$6700.00} XXXX XXXXXXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XX/XX/XXXX {$7400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$29000.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX  XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Inquiries XXXX  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 2025-11-24 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: MD

Complaint narrative:
I am disputing the accounts and inquiries reported by Equifax. I believe some of the information may be inaccurate, outdated, or improperly verified. I request a full reinvestigation and correction under my rights per FCRA. 

CHARGED-OFF ACCOUNTS ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : XXXX INQUIRIES ( EQ ) XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS ( EQ ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-24 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
Checking I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report And Otherwise, anyone can be paying for your reporting services can fax, mail, email in a fraudulent account. This is hindering my life and I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately! 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am a consumer attempting to correct inaccuracies on my credit reports. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) for the accounts and inquiries listed below. The information being reported is not accurate, not complete, or can not be verified. Please conduct a proper investigation and update or delete the disputed items accordingly. 

CHARGED OFF ( Disputed Accounts ) XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} I dispute these charge-off accounts due to inconsistent reporting and potential inaccuracies. Please reinvestigate. 

INQUIRIES ( Unauthorized / Incorrect ) XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized. Please verify permissible purpose or remove. 

LATE PAYMENTS ( Inaccurate / Can not Be Verified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute these late payments as inaccurate. Please conduct a reinvestigation and delete any unverifiable 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 2025-11-24 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: IL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I am disputing a utility debt that was sent to collections for service dates after I moved out of the residence. The utility service should have ended in XX/XX/XXXX based on my move-out date shown in the attached lease. I paid all charges for the period I lived at the residence, as shown in the attached payment history. 

After moving out in XX/XX/XXXX, I traveled abroad to teach in XXXX XXXX. I was not in the United States, so I could not receive any calls from the utility company. However, I should have received at least an email if there were any remaining balance or issue with the account. I did not receive any emails, final bills, notices, or warnings from the company after my move-out date. 

Around XX/XX/XXXX, I noticed a sudden drop in my credit score and discovered that a collection had been reported related to the utility account. This was the first indication that there was any problem, because I received no communication from the company before the collection was reported. 

In XX/XX/XXXX, I contacted both the utility company and the collection agency. I was told the charges would cycle out on the next billing period, and I relied on that information. I was not informed that the account would remain active after my move-out date or that charges for service I did not receive would be assigned to me. 

In XX/XX/XXXX, while applying for a new apartment, I learned that the collection was still on my credit report. When I contacted the utility company again, a representative stated that I had been misinformed during my XXXX call. 

The collection reflects service dates after I moved out of the property, meaning it is not a valid debt. I am requesting that the utility company and the collection agency correct this error, mark the debt as invalid, and remove the collection from my credit reports. I have attached my lease showing the end of my tenancy and the utility payment history showing that all charges for my period of occupancy were paid

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 2025-11-24 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: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-24 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-24 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely incorrect. I have listed the items below which are incorrect and need to be deleted from my credit file. 

Line Item : XXXX Item Description : XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. 

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. 

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am writing to dispute several inaccuracies on my Equifax credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I also have concerns that a data breach may have contributed to these inaccuracies. Please investigate the following entries and provide a corrected version of my report. 
Below are the accounts I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Closed Balance : {$3100.00} Dispute Reason : This account is inaccurately marked as Collection or Charge Off. The payment history and status do not reflect the actual activity. The FCRA requires that all information reported must be accurate and complete, and I dispute this inaccurate reporting.

Data Breach Concern : Due to the discrepancies in the reporting, I am concerned that a data breach may have led to incorrect data being used in this entry. I request that Equifax investigate whether there has been any unauthorized access to my personal information. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Balance : {$1200.00} Dispute Reason : This account has been inaccurately reported as a collection. The payment terms and details are incorrect, and the status does not reflect the true account history. The FCRA requires that information on credit reports is accurate and verifiable, and I dispute the status of this account.

Data Breach Concern : I believe that a data breach or unauthorized access to my information may have contributed to these reporting errors. Please investigate the security of my personal data as it relates to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is a continuation of CFPB XXXX # XXXX. 

Bank of America refused to deposit a valid USPS Money Order into my account. On XX/XX/year>, the teller and branch manager falsely claimed the instrument was not negotiable due to the federal shutdown. This is legally incorrect. USPS Money Orders remained fully negotiable instruments under 39 U.S.C. 5101 et seq., with no federal suspension or Treasury directive limiting negotiability. 

Bank of America provided no written response to me or through the CFPB portal. Instead, I received only a phone call from the bank. When they requested my consent to record the conversation, they refused to grant me the same right to record the call. This unequal communication deprived me of documentation, transparency, and a fair process. The issue remains fully unresolved. 

The bank has still not deposited or processed the USPS Money Order. Their refusal directly caused me financial harm and legal prejudice in an active LandlordTenant case where the funds constituted rent. Their actions created hardship, risk of housing instability, and damage to my legal position. 

Bank of Americas conduct constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ) under 12 U.S.C. 55315536. The bank misrepresented federal law, refused to accept a valid negotiable instrument, denied equal rights during a recorded call, failed to provide written documentation, and failed to remedy the harm.

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