vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-10-09 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:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX XXXX Bank Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX Bank resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-10-09 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: NE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

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 4 business days of you receiving this complaint. 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 30 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.

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 2025-10-09 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for ongoing inaccurate and duplicate reporting on my XXXX credit file. 

XXXX  is reporting XXXX separate XXXX XXXX XXXX XXXX XXXX accounts with nearly identical details : Same lender name : DXXXX XXXX XXXX  Same opening date : XX/XX/year> Same payment history, same delinquency months, and same status updates Same address and contact information Both accounts show overlapping balances and identical past-due patterns Although the balances differ ( {$1500.00} and {$980.00} ), these are part of the same federal loan group and share the same payment record. Reporting both accounts with the same delinquency pattern inflates my derogatory history and creates a misleading duplicate negative entry, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed these accounts with XXXX, and they came back verified. However, XXXX failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( B ). Both XXXX and Aidvantage are knowingly furnishing and maintaining inaccurate and duplicative data, violating the following provisions : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) : Failure to perform a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) : Failure to correct and update inaccurate or misleading data after dispute The duplicate, overlapping reporting of the same delinquency information is materially misleading, and it continues to harm my credit profile despite my previous dispute. This constitutes willful and negligent noncompliance under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am writing to lodge a formal complaint regarding debt collection activity by National Credit Systems , Inc. ( NCS ) on behalf of the original creditor, XXXX XXXX XXXX XXXX  It is my contention that NCS is not licensed to collect or enforce the debt in the State of Tennessee, in violation of Tennessee law, and therefore its collection efforts are unlawful. I allegedly owe ( or : NCS claims I owe ) a debt to XXXX XXXX XXXX XXXXXXXX, which is the original creditor. At some point, XXXX XXXX XXXX XXXX assigned ( or contracted ) the debt to NCS for collection. I checked the NMLS Consumer Access and did not find NCS listed as having a valid collection service license for Tennessee. The relevant statute is the Tennessee Collection Service Act, codified at Tenn. Code Ann . 62-20-101 et seq. Section 62-20-105 states : No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter. Collection service is defined broadly as any person who engages in, or attempts to engage in, the collection of delinquent accounts, bills or other forms of indebtedness whether by assignment or not. Tenn. Code 62-20-102 ( 3 ). Therefore, any third-party debt collector collecting debts owed to others must be licensed The exemptions are limited. The Act does not apply to those collecting their own debts : Any person engaged in the collection of indebtedness incurred in the normal course of business provided the person is collecting their own accounts and is not representing themselves as a third-party collection service. Tenn. Code 62-20-103 ( a ) ( 3 ).

NCS is a separate collection agency, collecting on behalf of another, XXXX XXXX XXXX XXXX. That makes them a third-party collector, not the original creditor collecting its own debt. Because they are acting as a third-party, the licensing requirement should apply under 62-20-105. The only exemption would be if they were collecting their own debt, which is not the case here ( this is someone elses debt being collected by NCS ).

I request the CFPB investigate whether NCS is properly licensed in Tennessee for this debt collection. If they are not licensed, I ask for enforcement action or direction that they cease collection and remove any negative reporting or legal claims until/unless they obtain proper licensure. I also request that any correspondence, collection activity, credit reporting, or legal filings by NCS on this debt be held invalid or reversed until compliance is met. 

Attached are the search results from the NMLS Consumer Access website validating the states that National Credit Systems , Inc is licensed for Debt Collection in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX for {$1600.00} using my Best Buy credit card. I returned that TV on XX/XX/XXXX and exchanged it for another model, as shown in my receipt dated XX/XX/XXXX. 

Despite the return, the {$1600.00} charge was never reversed, and my account still reflects both the returned TV and the new purchase of {$1700.00}. This means I was overcharged for merchandise I no longer have, effectively paying for two televisions when only one was kept.

Citibank and Best Buy have pointed to unrelated smaller refunds ( {$840.00}, {$380.00}, {$200.00} ), but those do not resolve the fact that the full {$1600.00} was never credited back. 

I am requesting that the {$1600.00} charge be reversed immediately so that I am billed only for the one TV I retained.

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 2025-10-09 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:
I am writing to formally dispute an inaccuracy in my credit file under the Fair Credit Reporting Act ( FCRA 611 ). I have discovered that there are two Social Security Numbers being reported under my profile. This constitutes a severe violation of the FCRAs accuracy and privacy standards ( 602 ( A ) and 607 ( B ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am writing to formally dispute an inaccuracy in my credit file under the Fair Credit Reporting Act ( FCRA 611 ). I have discovered that there are two Social Security Numbers being reported under my profile. This constitutes a severe violation of the FCRAs accuracy and privacy standards ( 602 ( A ) and 607 ( B ) ).

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 2025-10-09 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: CT

Complaint narrative:
I'm being pursued for a debt XXXX account that it is not mines and has resulted in a case of inaccurate being reported on my credit report.On XX/XX/2025 XXXX XXXX XXXX told cfpb that they don't have any information on my case which is false I attached the document so you can review the situation. I don't have any bills or letter from them, they refused to send me any written validation notice to my address, I called the original creditor and they have a totally different address on file. Second that the credit or collector failed to provide me with any mandatory debt validation required noticed because they are using a incorrect address where I never lived at and which is a key violation of fair debt collection practices. I'm tired going back and forth with them. They misinformed cfpb they have no record of my account and I'm uncomfortable sending my documentation to them I don't trust them at all so I'm opening up this report again and sending you the credit report I don't not have any correspondence from them. Also my information is on the dark web with different address and phone number and social security number and driver license. Very unfair practices they want me to respond with a letter from them when I have no ties to that address never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
I dispute this inaccurate account and demand its deletion. I did not approve or authorize it. Verification is attached.

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 2025-10-09 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-09 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:
PLEASE BLOCK AND REMOVE. 
This account has been reported inaccurately and should be deleted immediately. I never consented to it. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XX/XX/year> ] To : true accord Agency Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear [ Debt Collectors Name ], I am writing to inform you that, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the alleged debt you claim I owe. 

Please be advised of the following : I do not consent to any further contact via phone, text, email, social media, or mail, except as allowed by law ( for example, to confirm that collection efforts have been terminated or that specific legal action will be taken ). 
Any continued attempts to collect, threaten, or harass me will be considered a violation of the FDCPA and will be documented for possible legal action or complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. 

If this alleged debt is valid, you must provide verification in writing before any collection efforts continue. Otherwise, I expect no further communication from your office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CO

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation