vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am submitting thisXX/XX/XXXX formal complaint because my credit file continues to display inaccurate, unverifiable, and unauthorized information, causing ongoing harm to my financial reputation. These are not mere errors to be corrected they are fundamentally unlawful entries that must be permanently deleted in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Like many consumers, I am experiencing the continued reporting of closed accounts showing {$0.00} balances as if they remain active, as well as unauthorized inquiries that I never approved. The continued appearance of this information is misleading and damaging to my credit profile. 

Late Closed Accounts Still Reported The following accounts remain listed on my file even though they are closed with XXXX balances : XXXX BANK XXXX XXXXXX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00} Their continued reporting violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( prohibits knowingly reporting inaccurate information ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( requires unverifiable information to be deleted ) FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ) ( requires maximum possible accuracy ) FCRA XXXX 15 U.S.C. XXXX ( grants the right to block inaccurate or identity theft-related data ) Charge-Off Accounts Reporting Balance Owed : {$0.00} The following charge-off accounts remain on file even though they show no balance due, which is misleading and incomplete : BANK OF XXXXXX/XX/XXXXBalance Owed : {$0.00} XXXX BANK XXXXXX/XX/XXXX Balance Owed : {$0.00} * * Reporting a charge-off with a XXXX balance creates a false appearance of debt and violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) FCRA XXXX 15 U.S.C. XXXX Unauthorized Inquiries My credit file also contains multiple unauthorized inquiries made without my consent or permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose, violating : FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( limits access to consumer reports ) FCRA XXXX ( f ) 15 U.S.C. XXXX ( f ) ( prohibits obtaining a report without authorization ) FCRA XXXX 15 U.S.C. XXXX ( unlawful to obtain a report under false pretenses ) FCRA XXXX 15 U.S.C. XXXX ( protects against continued reporting of unauthorized data )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am submitting thisXX/XX/XXXX formal complaint because my credit file continues to display inaccurate, unverifiable, and unauthorized information, causing ongoing harm to my financial reputation. These are not mere errors to be corrected they are fundamentally unlawful entries that must be permanently deleted in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Like many consumers, I am experiencing the continued reporting of closed accounts showing {$0.00} balances as if they remain active, as well as unauthorized inquiries that I never approved. The continued appearance of this information is misleading and damaging to my credit profile. 

Late Closed Accounts Still Reported The following accounts remain listed on my file even though they are closed with XXXX balances : XXXX BANK XXXX XXXXXX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00} Their continued reporting violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( prohibits knowingly reporting inaccurate information ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( requires unverifiable information to be deleted ) FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ) ( requires maximum possible accuracy ) FCRA XXXX 15 U.S.C. XXXX ( grants the right to block inaccurate or identity theft-related data ) Charge-Off Accounts Reporting Balance Owed : {$0.00} The following charge-off accounts remain on file even though they show no balance due, which is misleading and incomplete : BANK OF XXXXXX/XX/XXXXBalance Owed : {$0.00} XXXX BANK XXXXXX/XX/XXXX Balance Owed : {$0.00} * * Reporting a charge-off with a XXXX balance creates a false appearance of debt and violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) FCRA XXXX 15 U.S.C. XXXX Unauthorized Inquiries My credit file also contains multiple unauthorized inquiries made without my consent or permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose, violating : FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( limits access to consumer reports ) FCRA XXXX ( f ) 15 U.S.C. XXXX ( f ) ( prohibits obtaining a report without authorization ) FCRA XXXX 15 U.S.C. XXXX ( unlawful to obtain a report under false pretenses ) FCRA XXXX 15 U.S.C. XXXX ( protects against continued reporting of unauthorized data )

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I have police reports and proof that my identity was stolen, the debt I am being charged with is inaccurate and I am being told that I can not settle the debt. I will be talking to a bankruptcy attorney this week to figure out my next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sick and tired of this non sense incorrect information on my credit report! 
FINAL LEGAL NOTICE DEMAND FOR IMMEDIATE DELETION This correspondence serves as a formal legal demand under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX XXXX XXXX XXXX for the immediate deletion of the XXXX XXXXXXXX account listed XXXX XXXX Experian credit file. 



XXXX Violation of FCRA 602 & 607 ( b ) Furnishers and credit bureaus must maintain the maximum possible accuracy of every item reported. Affirms account is incomplete, inaccurate, and unverifiable, appearing only on Experian and not on any other credit bureau. 
Selective or inconsistent reporting constitutes a willful violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 



XXXX Violation of FCRA 611 & 623 ( b ) Under FCRA 611 ( a ) ( 1 ) ( A ), upon notice of dispute, Experian must re-investigate and delete any data that can not be verified. 
If XXXX can not produce legally sufficient proofsuch as a signed credit agreement and written consentyou are obligated by 611 ( a ) ( 5 ) ( A ) to delete this entry immediately. 
Failure to do so after notice establishes willful non-compliance, actionable under 616 and 617 with damages of {$1000.00} per violation plus attorneys fees.

3 Violation of FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) XXXX or any third party collecting this debt must provide written validation within XXXX days of initial communication. 
No such validation was ever provided, meaning the account is unvalidated debt and must not be reported. 



XXXX Violation of XXXX  XXXX ( a ) ( 15 U.S.C. 6802 ) XXXX XXXX unlawfully disclosed my non-public personal information to a third-party collector without my knowledge or consent. 
This unauthorized dissemination is a federal privacy breach that invalidates any further data sharing or reporting. 



XXXX Demand for Action Because the account is : Inaccurate ( reported to only XXXX bureau ) Unverified ( no signed contract or consent form ) Unlawfully shared ( no authorization under XXXX  ) I hereby demand that Experian : XXXX. Delete the XXXX XXXX account immediately from my credit file. 
XXXX. Cease reporting or redistributing this item to any third party. 
XXXX. Provide written confirmation of deletion within 30 days of receipt. 



XXXX Notice of Intent If Experian fails to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX Office, and I will pursue all available remedies under FCRA 616, 617, and 15 U.S.C. 1692k.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CARCO Group, Inc.
State: TX

Complaint narrative:
I am formally requesting that Cisive DELETE ALL PERSONAL DATA they have collected about me and IMMEDIATELY stop sharing selling or disclosing my personal information to ANY third parties including any current or prospective employers This request is made under my rights to data privacy and protection please confirm in writing that ALL my personal data has been deleted from there systems and that Cisive will not share or distribute any of my personal or background information moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent accounts, charge-offs, late payments and collection accounts on my credit file resulting from identity theft and a confirmed data breach.

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Personal Information Dear TransUnion, Experian, and Equifax, I am writing to formally request the investigation and deletion of inaccurate personal information currently appearing on my credit report. As required under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, you are obligated to ensure that all information in my credit file is accurate and verifiable. 
After reviewing my credit reports, I discovered multiple addresses that do not belong to me and must be deleted immediately. These incorrect addresses are creating confusion and misrepresentation in my personal records. 
My Correct Information : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Inaccurate Information to Be Deleted : EQUIFAX : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX EXPERIAN : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX TRANSUNION : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are inaccurate and should not be associated with my personal profile. I am requesting the removal of all the incorrect information listed above and the retention of only my current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX. 
Please investigate and delete any data that can not be verified as accurate or that does not belong to me. Once this investigation is completed, kindly send me an updated copy of my credit report reflecting the corrected and verified information. 
Thank you for your immediate attention to this matter. I expect your response within the 30-day period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my account without any notification. I am still involving in a transaction claim that is why I am not using that for XXXX  days and waiting for a solution. But they closed my account without any notification and I think this is their strategy to escape to take the responsibility to cover my loss due to their processing procedure.

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I have been getting repeated calls from them like them remove there information from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX reported a {$6600.00} apartment debt that I do not owe. 

I lived at XXXX XXXX XXXX apartments and my lease was set to end on XX/XX/year>. I vacated the apartment on XX/XX/year>, after notifying the property XXXX in person that I would not renew my lease. The XXXX insisted I pay for the month of XXXX even though I did not stay there. 

I asked them to send any final bill or balance to my new address, but I never received any statement or notice. Instead, the account was sent to collections without any explanation or documentation. 

I dispute this debt in full as it is inaccurate and unfairly damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AR

Complaint narrative:
Upon a recent, comprehensive review of my credit report, I identified several inaccuracies that do not accurately represent my true financial history or obligations. These discrepancies could severely affect my creditworthiness and access to financial opportunities. Therefore, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a thorough reinvestigation of the following items : In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute these items and formally request a comprehensive reinvestigation. It is imperative that each item is verified for accuracy and completeness, and if any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed to ensure my credit report truthfully reflects my financial history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Court : US BKPT CT XXXX  XXXX XXXX  Reference # XXXXXXXX XXXX XXXX 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 2025-10-20 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: AR

Complaint narrative:
Upon a recent, comprehensive review of my credit report, I identified several inaccuracies that do not accurately represent my true financial history or obligations. These discrepancies could severely affect my creditworthiness and access to financial opportunities. Therefore, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a thorough reinvestigation of the following items : In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute these items and formally request a comprehensive reinvestigation. It is imperative that each item is verified for accuracy and completeness, and if any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed to ensure my credit report truthfully reflects my financial history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Court : US BKPT CT XXXX  XXXX XXXX  Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I made an Apple purchase via their app store for a XXXX subscription. I am unable to access this subscription yet I am still financially responsible for it. Apple blames XXXX and XXXX tells me to request a refund from Apple. Apple has denied the refund multiple times even with proof that I don't have access and screen sharing with Apple so they can see my screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-10-20 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: AL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I do not remember the exact dates, but several times I have told Comenity Capital Bank ( the company behind the XXXX credit card ) to stop repeatedly calling me while I was at work. I am aware that I owe payments on a credit card, and occasionally fall behind. However, I work a full-time job in healthcare and often work overtime as well, and told them that their harassment during the day was excessive. Nobody I have talked to has seemed to care, and I wound up repeatedly blocking their numbers, only for them to switch numbers every time and call me several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation