vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: WI

Complaint narrative:
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. I am filing this FTC Identity Theft Affidavit to report XXXX  fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collection opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I mailed NCB XXXX XXXX a certified debt validation letter requesting proof of the alleged auto loan debt they are reporting. I asked for full validation including a signed agreement, billing history, and breakdown of the balance. They failed to respond within the required XXXX window. On XX/XX/year>, I sent a hardline deletion demand due to their non-response. As of XX/XX/year>, they have still not provided any proper validation but continue reporting the debt to the credit bureaus. This is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-06-06 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: GA

Complaint narrative:
I am filing this complaint regarding Experians failure to remove or properly investigate several disputed accounts on my credit report. Despite submitting formal disputes with clear documentation and legal grounds for deletion, Experian has allowed the following accounts to remain, in violation of the Fair Credit Reporting Act ( FCRA ). 


XXXX. XXXX XXXX ( Account # : XXXX ) This account relates to an eviction charge during the XXXX pandemic. Protections under the XXXX XXXX and housing-related XXXX orders should have prevented this from being reported. Experian failed to conduct a reasonable investigation under FCRA 1681i, despite the lack of verification and the extenuating circumstances. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX ) This account appears to be duplicative and inaccurately reported. XXXX XXXX has inconsistently reported the status and balances, and may be duplicating a previously settled or closed obligation. Experian violated FCRA 1681s-2 ( a ) and 1681i by continuing to report it after an insufficient reinvestigation. 


XXXX. XXXX XXXX XXXX ( Account # : XXXX ) There are multiple World Finance tradelines reported, some of which are closed but still showing as derogatory. This is considered duplicate reporting, in violation of FCRA 1681c ( a ) ( 4 ) ( outdated accounts ) and 1681i ( lack of proper reinvestigation ). Experian has provided no evidence of independent verification. 


XXXX. XXXX XXXX XXXX ( Account # : XXXX ) This is a debt-buyer account stemming from a much older obligation originally with XXXX The original account is also reporting, causing duplicate derogatory entries. This violates FCRA 1681s-2 ( a ) and FCRA 623 ( a ) ( 5 ) due to potential re-aging and duplication of expired debt. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This account was opened in XX/XX/year>, placing it well outside the XXXX reporting limit under FCRA 1681c ( a ) ( 4 ). It is also likely the original source of the debt XXXX XXXX is separately reporting, compounding the violation through duplicative and outdated reporting. Experian refused to remove this account without providing proof of legal grounds for continued inclusion.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I received an alert that the Department of Education had added XXXX accounts to my TransUnion credit report. When I checked the report, I discovered that XXXX accounts were being reported by the XXXX XXXX XXXX XXXX as having been opened by me in XXXX of XXXX and were in collections. As I had opened no such accounts, I disputed both with TransUnion. XXXX weeks later, I was told that the accounts had been verified and confirmed as having been first opened in XX/XX/XXXX. 

I then called the XXXX XXXX XXXX XXXX and was told that the accounts related to XXXX XXXX Student Loans they claim that I opened in XXXX and XXXX ( XXXX and 37 years ago, respectively ) and that have unpaid balances with no repayments having ever been made. When I told them that I was aware of no such accounts and asked why they were reporting them as having been opened in XXXX of this year if they related to accounts that were more than XXXX decades old, the representative told me that that's when the XXXX Dept of XXXX began collections not when the accounts themselves were actually opened. I then disputed both loans and was told that someone would investigate and get back to me. To date, no one from XXXX of XXXX has gotten back to me nor have they corrected the erroneous dates with TransUnion. 

After speaking to the XXXX XXXX XXXX XXXX, I again contacted TransUnion and advised them of what I had been told and that the loans in question are from XXXX and XXXX and that I don't believe them to be mine, but that even if they are that they should no longer appear on my credit reports due to their age. The TransUnion representative then confirmed that any delinquent accounts older than 7 years and 180 days are no longer included on consumer reports, but said that because the XXXX XXXX XXXX is reporting them as having been opened in XXXX of XXXX there was nothing she could do. 
I asked if they could investigate it again and was denied. 

To confirm, I have not opened any loans with the XXXX XXXX XXXX XXXX this year or any year since the early XXXX 's. I did have a number of student loans back then, but to my knowledge they were all repaid many years ago. As of today, I have received no information from the XXXX XXXX XXXX XXXX related to these loans and still don't think they are mine. However, even if they are, given their age, they should no longer be on my credit reports. 

It seems to me that the XXXX of XXXX 's inaccurate reporting of when the actual accounts were opened is intentional, as there's a XXXX year time difference. Because of this fraudulent reporting by the XXXX XXXX of XXXX. and Transunion 's refusal to remove the accounts from my report, my XXXX XXXX has dropped by more than XXXX points and I have been harmed as I was denied credit when attempting to finance a car this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought an XXXX TV from Best Buy and never received the TV instead they delivered a used XXXX XXXX. I also paid for a membership which was applied to a male living in Florida. I tried to resolve it with the store and got nowhere. I disputed the amount with my credit card since early XXXX, and the person I spoke with got the information wrong, and had to file another dispute. I provided them with all the information of the fraud scheme and I had not heard back since XX/XX/year>. I called my credit card today was advised that a letter had been sent to me on XX/XX/XXXX which I never received. I was advised by the customer service rep that Best Buy bank did not want to provide them with the refund and I just had to pay them.

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 monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a savings account with capital one on XX/XX/2025 and I did an ACH transfer from my External Account of {$20000.00} and after the money was transferred from my external account capital one seized my money and closed the account .. I have called them to know why the money is being held they told me the account is under investigation but they sent me an email few weeks ago that my account investigation is finished and they will mail me a check or send my money to any of my linked accounts but I havent received the money till date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  XXXX XXXX * * * * Balance : {$6400.00} XXXX  XXXX * * * * Balance : {$3400.00} XXXX XXXX  XXXX XXXX * * * * Balance : {$2000.00} XXXX  XXXX XXXX * * * * Balance : {$6800.00} XXXX XXXX  XXXX * * * * Balance : {$5600.00} XXXX XXXX * * * * Balance : {$4200.00} XXXX XXXX XXXX XXXX * * * * Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 2025-06-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  XXXX XXXX * * * * Balance : {$6400.00} XXXX  XXXX * * * * Balance : {$3400.00} XXXX XXXX  XXXX XXXX * * * * Balance : {$2000.00} XXXX  XXXX XXXX * * * * Balance : {$6800.00} XXXX XXXX  XXXX * * * * Balance : {$5600.00} XXXX XXXX * * * * Balance : {$4200.00} XXXX XXXX XXXX XXXX * * * * Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
The following account has illegally and lawfully re-and re-reported this negative and inaccurately reported account on my report. This report was previously removed for his violation of my XXXX given to me as a federally protected consumer from the FCRA. Now Data furniture has attempted to re-furnished this account on my consumer report and it must be removed effective immediately. 

Account Name : XXXX XXXX  XXXX  Account number XXXX Account status : closed Date opened XX/XX/XXXX This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as XXXX  days late for over XXXX  days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately.

Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal 6802 Experian, Equifax, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 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: NY

Complaint narrative:
Identity theft misuse of account XXXX  data breech. Documents below.

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MA

Complaint narrative:
I am submitting a complaint against Global Lending Services regarding my auto loan opened on XX/XX/2023. 

The original loan balance is listed as {$30000.00}. Since then, I have paid {$12000.00}, but the current balance is still $ XXXXonly a {$1500.00} reduction. This means most of my payments have gone to interest or fees, suggesting an excessively high interest rate, likely above 40 %. I was initially told I financed about {$18000.00}, not over {$30000.00}, raising concerns about the accuracy and transparency of the loan terms. 

Additionally, the cars current XXXX XXXX value is about {$12000.00}, far less than the amount owed. Despite multiple attempts, the lender has not provided clear explanations or payment breakdowns. I am seeking assistance to investigate these practices and obtain a full accounting of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief