vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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 am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against BMO Bank regarding claim XXXX. I called in on XX/XX/year>, at XXXX XXXX to address this claim, but the agent I spoke with was unable to resolve my concern. I am requesting that the matter be addressed and any necessary actions taken to rectify the situation. I provided the e merchant with the last 4 of my card and they havent processed a refund despite the fact that I purchased insurance for this package. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
Im following up on my previous letter where I told your company that I reviewed my credit report and found late payments that still havent been corrected. I was never late, and you werent able to provide any documents proving otherwise.

Prohibition literally means something that isnt allowed. The law clearly states that no one should send information to a credit reporting agency if they knowor even have a reasonable reason to believethat the information is inaccurate.

And lets talk about reasonable cause to believe the information is inaccurate. I already showed in my previous letter that you do have reasonable cause, because I clearly explained what counts as accurate vs. inaccurate, and pointed out the laws that were violated. That means the information on my report is inaccurate, which is a violation of 15 U.S. Code 1681s-2.

The law also says that credit reporting agencies must handle consumer information with fairness, impartiality, and respect for privacy. Reporting my information without my permission violates my right to privacy as a consumer. This is a violation of 15 U.S. Code 1681a ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to request an investigation into the inaccurate information being reported on my credit file regarding an alleged repossession linked to account number XXXX. The information shown does not match my records, and I believe it may have been reported in error or without proper verification. 

Please conduct a detailed investigation and validate all information associated with this account, including the balance, status, and any claim of repossession. If the furnisher can not provide complete and accurate documentation confirming its validity, I request that this account be corrected or removed from my credit report as required by law. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I am writing to submit my dispute regarding certain items on my credit reports. Below are the accounts that are currently in dispute, categorized by each credit bureau. I am requesting that the inaccuracies be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXXXXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No : XXXX XXXX, Account No : 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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am unable to gain access to my Equifax AND Experian credit report on AnnualCreditReport.com. I have already called Equifax XXXX  and spent over an hour on the phone trying to resolve this, but the issue is still not fixed. This has become extremely stressful because Equifax is also blocking my information on credit-monitoring services. I can not view the information they have about me or how anything is being reported. 

When I apply for credit, I am being declined because lenders can not identify me when they run Equifax, and Equifax blocks them as well. I have tried every avenue I can think of, but nothing has worked. I need this resolved so I can move forward with my life. 

Experian consistently tells me that I can not get my annualcreditreport. They block access to their credit monitoring as well. 

I am requesting that Equifax and Experian fix whatever is blocking or restricting my credit reports, remove any identity-verification lock, and restore my access so I can view, monitor, and use my credit normally. I was recently approved for a credit card then closed because of verification issues. I was denied employment and i believe this denial was a result of my credit being blocked too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: FL

Complaint narrative:
LJ Ross is reporting a XXXX collection with missing details such as the correct date of first delinquency, full balance history, and account documentation. 
I never received a validation notice. 
They continued furnishing information even after the account was disputed, which violates FCRA 623 ( a ) ( 3 ).

The information is incomplete and unverifiable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: ME

Complaint narrative:
XXXX XXXX XXXX account. On XX/XX/year> I called up XXXX with a concern about my payment that was submitted to them for my XXXX bill. It was an electronic check payment that wouldn't be posted for 2 days. I spoke with XXXX, and let her know that I made the check payment, and that I wanted to make sure it would post for XXXX so that I won't be 30 days late. 

She told me that she would make sure the payment posted for XXXX. I asked her if it would make more sense for me to just pay again through debit, and she assured me that it wasn't necessary and that she would make sure the payment posted for XXXX. 


30 days later I recieved a late payment on my credit report. I called them and explained to them what happened. They assured me the issue would be fixed. 

I then disputed the XXXX late payment. 


They did not remove the late payment through disputing. I called them again in XXXX. They once again assured me they were making the correct changes to my account and that the reporting would be fixed. I disputed the late payment again. 


Now in XXXX, the 30 days late payment STILL has not been removed. I reached out to them again, the 4th time, and they're now telling me they will NOT remove the late payment from my account, even though the account was only 30 days late because of the advice I was given from their employee XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am disputing a charged-off account listed under XXXX XXXX XXXX with the following details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Transunion credit reporting and fair scoring is believed to be incorrect and unfair, I have asked the company to properly investigate and score true findings correctly with no results, I have ask the company to provide proof of the investigation without any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the XXXX XXXX account reporting as a Charge-Off since 2023 with account number XXXX XXXX. This account is being reported on all three credit bureausEquifax, TransUnion, and Experianin  an inaccurate, incomplete, and unverifiable manner. 

The information being furnished does not meet the accuracy requirements of the FCRA and does not comply with Metro-2 reporting standards. The Charge-Off status, the dates being reported, the balance information, and the delinquency data are inconsistent and can not be verified. Unverifiable, inconsistent, or incomplete information must be deleted under FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ). 

Because XXXX XXXX has not provided verifiable documentation supporting the Charge-Off and because the information being reported conflicts with required accuracy standards, I am requesting the immediate deletion of this XXXX XXXX Charge-Off account from my credit report with your bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the XXXX XXXX account reporting as a Charge-Off since 2023 with account number XXXX XXXX. This account is being reported on all three credit bureausEquifax, TransUnion, and Experianin  an inaccurate, incomplete, and unverifiable manner. 

The information being furnished does not meet the accuracy requirements of the FCRA and does not comply with Metro-2 reporting standards. The Charge-Off status, the dates being reported, the balance information, and the delinquency data are inconsistent and can not be verified. Unverifiable, inconsistent, or incomplete information must be deleted under FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ). 

Because XXXX XXXX has not provided verifiable documentation supporting the Charge-Off and because the information being reported conflicts with required accuracy standards, I am requesting the immediate deletion of this XXXX XXXX Charge-Off account from my credit report with your bureau.

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