vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
Experian is currently reporting inaccurate personal address information on my credit file, which I dispute as outdated, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian lists XXXX XXXX XXXX, XXXX, MA XXXX as a current address, with a reported date of XX/XX/XXXX. This is not my residence, and I have never authorized or confirmed it as my place of living. Furthermore, Experian also lists a previous address as XXXX XXXX XXXX XXXX, XXXX, MA XXXX dated XX/XX/XXXX. This is a corrupted or misentered version of my actual and only address, which is correctly stated as XXXX XXXX XXXX, XXXX, MA XXXX. 

These inaccuracies create confusion in identity verification processes and raise concerns about potential data mix-ups or entry errors. More critically, associating me with addresses where I do not and have never lived can jeopardize my creditworthiness, lead to delays in credit decisions, and result in the misassociation of derogatory accounts or inquiries that do not belong to me. 

The FCRA under 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. It is not reasonable or lawful to include addresses that are either fabricated, incorrectly entered, or never confirmed with the consumer. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a dispute has been initiated, Experian is required to conduct a timely and reasonable reinvestigation and correct or delete any data that is found to be inaccurate, unverifiable, or incomplete.

I have never lived at XXXX XXXX XXXX in XXXX and should not be associated with that location. And the version of my XXXX address that appears as XXXX XXXX XXXX XXXX is not accurate and should not appear as a distinct or prior address. These kinds of inconsistencies are not harmless technicalitiesthey directly affect how I am evaluated by lenders, insurers, and potential creditors.

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 2025-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, 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 XXXX XXXX  If they fail to do so, these items must be removed from my report. 

As more than XXXX XXXX  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, XXXX XXXX XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: VA

Complaint narrative:
Account with January. I'm unaware of this debt and I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account with January as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Received calls from " credit management company ''. XXXX call today, got auto response claiming they are a debt collector, attempting to collect {$500.00}. I do not owe anyone anything! 
When I looked up information regarding this possible scam attempt, i found several instances referring the same company name and same phone number as a scam operation. 
When I tried to get information while on the phone, I was asked to provide home address, banking information, etc. which i thought was odd. How could they only have my phone contact, and no other information on file regarding me or the debt. 
I was told to write and give information. Here it is do not accept or answer phone calls from ( XXXX ) XXXX " Credit Management Company ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX  XXXX regarding account number XXXX and they confirmed the amount owed is incorrect. This account is a secured credit card with a credit of {$300.00}. I gave them {$300.00} to open the account. The account had a balance of {$510.00}, XXXX  XXXX used the {$300.00} I have given them to open the account to pay off a large portion of the {$510.00}. That would mean I have an amount left of {$210.00} left to pay. I had set up a payment plan with them so it tracks the amount I have paid and what is owed. I have made 5 payments so far totaling {$130.00}. That would mean I have only {$84.00} left to pay. However, my banking app says I owe {$180.00}. I spoke with XXXX  XXXX Agent ID XXXX XXXX regarding this secure card and he confirmed this account is reflecting an incorrect amount and has submitted a credit request and is under review. The Case no. For the review and credit for this account with XXXX  XXXX is XXXX. I spoke with them on XX/XX/year> at XXXX XXXX  cst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: WV

Complaint narrative:
I am writing to file a formal complaint against Lloyd & McDaniel , PLC, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) related to their collection attempts on an account originally issued by XXXX XXXX. Most importantly, XXXX XXXX attached to this complaint is written confirmation from XXXX XXXX that Lloyd & McDaniel has not been assigned, nor do they own, this account. As a consumer, I must be able to trust the information provided directly by the original creditor. Despite this confirmation, Lloyd & McDaniel continues to pursue collection and litigation on this disputed debt. Lloyd & McDaniel has now filed a third lawsuit on XX/XX/year>, which is currently active. This aggressive and repeated legal action over a six-month period without proper standing or assignment demonstrates a clear pattern of harassment and abuse of legal process. Their actions constitute violations under 15 U.S. Code 1692e and 1692d. Based on the confirmation from XXXX XXXX, I respectfully request that the Consumer Financial Protection Bureau urgently intervene and require Lloyd & McDaniel to immediately withdraw the active lawsuit, and cease all further communication or collection efforts in accordance with the protections provided by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Description of the Issue : On XX/XX/year>, I made a purchase on the website XXXX using my Capital One credit card. The total amount of the transaction was {$1400.00} USD. 

The product was advertised as : Wholesale Packages, Merchandise Returns, Lost Mail, Undelivered Post. 

This clearly implies that the packages were assorted, unfiltered, and authentic returns or lost items. 

However, upon receiving the shipment, I was shocked to find that : Over 100 plastic packages were completely unlabeled, with no sender or recipient violating the nature of what was advertised.

Nearly all packages contained only generic, low-quality phone chargers with no brand which is not consistent with legitimate lost mail or customer returns. 
Many packages had visible signs of tampering or re-packaging, especially those shipped via XXXX. 
Some packages arrived completely empty. 

I immediately contacted the seller requesting a full return and refund, offering to return everything. I also submitted all evidence, including : Photos of the boxes and empty packages, Videos showing the unboxing, A screenshot of the original listing on XXXX. 

Despite this, Capital One denied the dispute and is now attempting to hold me responsible for this fraudulent transaction, even though I acted in good faith and provided full documentation of the scam. 

I am requesting that Capital One reopen the dispute and reverse the charge, as I was clearly defrauded and did everything possible to resolve the issue amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-12 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: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report, which I believe are the result of identity theft. These inquiries were made without my authorization, and I did not initiate or consent to any credit applications with the entities involved. 
Unauthorized Inquiries : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason for Dispute : Fraudulent activity Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason for Dispute : Fraudulent activity Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666, I am entitled to dispute any information on my credit report resulting from identity theft. 
Upon receipt of my Identity Theft Report, you are required to block any fraudulent information from my credit report within four business days. Additionally, under 15 U.S.C. 1681i, you must conduct a reasonable investigation of my dispute and correct any inaccuracies within 30 days.

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 2025-06-12 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against UNITED REVENUE regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : UNITED REVENUE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$680.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with UNITED REVENUE buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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