vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I am formally disputing the inaccurate and fraudulent accounts that have been reported on my consumer credit file. Upon reviewing my credit report around XX/XX/year>, I identified several accounts that I did not authorize or open. These fraudulent accounts are damaging my creditworthiness and must be deleted immediately in compliance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ).

Fraudulent Accounts to Be Deleted 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute & Request for Deletion : Pursuant to 15 U.S. Code 1681c-2, I am a victim of identity theft, and as such, I have the right to request the blocking and permanent removal of all fraudulent accounts from my credit file. Furthermore, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), the credit bureaus are required to investigate and remove any disputed inaccurate information from my credit report within 30 days. Failure to comply with these consumer protection laws is a direct violation of the FCRA, subject to legal consequences.

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 2025-03-05 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: FL

Complaint narrative:
In XXXX, I disputed a XXXX XXXX bill. On XX/XX/XXXX National Recovery Agency reported to XXXX a derogatory entry that is false. It states that the account is 7 months old. In fact this account was closed more than 5 years ago. The false information should be adjusted, this is 5 year old debt not 7 months old. I have had no contact with either company since 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and incomplete information on my credit report Specifically, I am an Authorized User on a XXXX XXXX XXXXXXXX credit card account ending in XXXX, which is Not being reported on my credit file ; according to the Fair Credit Reporting Act ( FCRA ) Credit Reporting agencies have a Legal Obligation to report Accurate and complete information, the absence of this account is a clear Violation of my rights under the FCRA. ACCOUNT DETAILS : Creditor- XXXX XXXX ACCOUNT TYPE : XXXX Credit Card ACCOUNT NUMBER : ( Lasr XXXX dgits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BILLING CYCLE : XX/XX/year> - XX/XX/year> ( As per attached statement ) * This account was Already disputed before you ( CFPB ) on the date XXXX And Experian did Not investigate and did not make any changes to my credit report regarding this account mentioned.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " XXXX, '' and it is reflecting inaccurate and unverifiable information. 
The details of the disputed account are as follows : Creditor Name : XXXX I am disputing this account on the basis of the following legal grounds : Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error. 


Outdated Information Reported- If Equifax is reporting this account until XXXX while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ).

Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under the FCRA. I expect a response within 30 days as required by law.

Please send your findings to my address listed above.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I went to experian.com to login and get my credit report as I am looking to rent a home/apt soon. When I make an account it says error, when I send a code to the correct number I get no code to login, I have tried contacting everyday I can and even people on XXXX are saying they can't get contact and it is very frustrating. I can not see what they are doing with my credit but they have my social and are not allowing me to access my account or credit.

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 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: CA

Complaint narrative:
I sent a formal dispute to Equifax requesting verification of account XXXX XXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ). 

XXXX and XXXX has already deleted this account, meaning it could not be verified.

Equifax continues to report the account without providing a detailed description of the investigation conducted, violating FCRA 611 ( a ) ( 7 ) - 15 U.S.C. 1681i ( a ) ( 7 ).

Under FCRA 611 ( a ) ( 5 ) ( D ) - 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), if one credit bureau deletes information after an investigation, the other bureaus must review the deletion and take the same action if the information is inaccurate or unverifiable. 
Equifax has failed to provide documentary evidence proving the accuracy of the account, violating FCRA 607 ( b ) - 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of reported information. 
I have requested that Equifax provide a detailed explanation of its verification process and remove the account if it can not be verified, but I have not received an adequate response within the legally required time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: DE

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Nelnet sent statements and past-due balance information to the incorrect mailing address, email address, and phone numbers. They had NO correct contact information for me according to the representative I spoke with on XX/XX/XXXX. My name was not even correct in their system. I had two past-due accounts : one with a {$2.00} balance, and one with an {$8.00} balance. I truly believed these were paid off in XXXX. On XX/XX/XXXX, my account was reported to the credit bureaus as 90 days past due. My XXXX credit score and perfect payment history dropped to XXXX overnight. I paid the accounts off IN FULL on XX/XX/XXXX. Then, Nelnet proceeded to report to the credit bureaus that my account was 120 days past due ( after I paid it off in full ). I did not even know Great Lakes became Nelnet. I can not qualify for an auto loan for a bigger vehicle to be able to fit all of my children. This is evil and predatory ... for a total of {$10.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC
State: WV

Complaint narrative:
I filed that for disputes that were incorrect and they failed to remove them from my Credit report

Company response to consumer: Untimely response
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX, IA XXXX : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a consumer reporting agency that has egregiously violated the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. On XX/XX/2025, I reviewed my Experian credit report and discovered that XXXX accountsXXXX and XXXXhave been inexplicably deleted, despite being verified as accurate. This deletion has severely crippled my credit history and financial standing. 

Experian 's actions are not only unjust but also unlawful under 15 U.S.C. 1681, which mandates that consumer reporting agencies must ensure the accuracy and integrity of the information they report. The FCRA clearly outlines the rights of consumers and the obligations of reporting agencies, including the requirement to follow reasonable procedures to ensure the accuracy of consumer reports. 

I have not provided any written consent for Experian to access my credit report, nor have I authorized the deletion of any accounts. The indiscriminate removal of these verified accounts constitutes a significant breach of my rights as a consumer and a violation of Section 607 ( b ) of the FCRA. 

I demand that the CFPB take immediate corrective action against Experian to rectify this situation. Specifically, I request that the missing accounts be reinstated on my credit report without delay. Failure to address this matter promptly will leave me with no choice but to pursue legal action against Experian for their blatant disregard for the law and my consumer rights. 

I have attached relevant screenshots and documentation that support my claims. I expect to hear back from you regarding the actions taken on my complaint. 

Thank you for your attention to this serious matter. 

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 2025-03-05 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got settlement check from my attorney office and deposited it on my Citi Bank account.When Citi Bank send request to my Attorneys office for check approval my attorney office didnt respond on time and my account went overdrawn but same day i call to my attorneys offices and they wired same amount which was on check on my account, so problem was fixed same day.After 2-3 days Citi Bank closed my account because they told me that fraud department thought that it was a fraud transaction which is insane! They told me that after investigation i will get my money from 30 to 60 days.It was a beginning of XXXX XXXX XXXX I cant get it back and all the time Citi Bank is lying about dates.Im not a first person who is suffering from Citi Bank and please we need to do something with them.They just dont care about people! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and because of them im still not able to do it.Please Help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent collection accounts have been repeatedly added to my credit report. Despite filing multiple disputes with the credit bureaus, the agencies have falsely " verified '' these debts without proof. 
Two collection agencies, XXXX XXXX and XXXX XXXX XXXX, are reporting the same debts at the same time, which is an FCRA violation : Fraudulent Account 1 : The XXXX ( {$42000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) Fraudulent Account 2 : XXXX XXXX XXXX ( {$60000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) These collection agencies have failed to provide valid proof of debt ownership, and my FTC Identity Theft Report & Police Report were ignored in previous disputes.

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