vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I have unverified accounts on my consumer report, that does not belong to me and I'm disputing 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am writing to report serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by [ SECURITY CREDIT SERVICES or XXXX XXXX XXXX ] and their agent, [ XXXX or XXXX ]. '' Detailed Description of Complaint " 1. Illegal Third-Party Harassment ( FDCPA Violation ) : The debt collector, [ XXXX ] from [ Security Credit Services ] , engaged in illegal third-party contact and harassment. I have a recorded voicemail where he contacted my father on [ XXXX XXXX ] from one phone number, attempting to discuss a 'documentation issue ' and instructing me to call back. Furthermore, this collector or their agency has repeatedly called my mother and father using multiple, different phone numbers, disclosing the collection attempt and causing emotional distress to my family. Collectors are legally limited to one contact with a third party only to locate me. This repeated, deceptive contact is a direct violation of the FDCPA. 

XXXX. Illegal Escalation/Threats After Dispute ( FDCPA Violation ) : On [ XXXX XXXX ], I was contacted directly by the collector. I explicitly told him that the debt was already closed and that he needed to cease all contact and that all further communication must be in writing. The collector responded by stating he would 'fill out a cease and assist and escalate. ' This constitutes an illegal threat of action to coerce payment, as the only legitimate 'escalation ' after a communication cease request is to file a lawsuit, which he did not state he would do. 

2. Inaccurate and Disputed Credit Reporting ( FCRA Violation ) : I have a collection account reported by SECURITY CREDIT SERVICES ( unknown account number ) which shows a reported balance of {$0.00} and the remarks 'Account information disputed by consumer ' listed twice. This debt was already closed by the original creditor ( XXXX XXXX XXXX ) in XX/XX/XXXX The debt collection status is erroneous, disputed, and not being properly investigated, causing continued damage to my credit profile. I demand a full re-investigation and verifiable proof of the Date of Original Delinquency ( DOFD ) to ensure the debt is not being illegally re-aged. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 is a follow-up complaint regarding [ Experian / XXXX / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX : XXXX : XXXX XXXXXX/XX/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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you, 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 2025-12-09 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: AZ

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts reported on my credit report. These items do not accurately reflect my credit history and I respectfully request that they be reviewed for correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have listed the accounts in dispute, separated by each credit bureau. 

CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES 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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items in my TransUnion credit file dated XX/XX/year>. 
My report contains incorrect addresses, unauthorized phone numbers, mixed-file data, and multiple accounts that violate the Fair Credit Reporting Act ( FCRA ).

Despite prior disputes, TransUnion failed to conduct a reasonable reinvestigation as required by 15 USC 1681i and XXXX  v. TransUnion.

Inaccurate personal information : TransUnion is reporting numerous addresses and phone numbers not associated with me, including addresses in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This may indicate identity issues or mixed files.

This violates FCRA 1681e ( b ) and 1681c-2.

Account-level violations : TransUnion is reporting multiple XXXX XXXX XXXXXXXX and XXXX accounts with contradictory , incomplete, and Metro-2 noncompliant information, including double-reporting of charge-offs, post-charge-off past-due amounts, and inconsistent payment history.

TransUnion refuses to correct or remove information that furnishing companies can not validate, which violates : FCRA 1681i ( a ) failure to reinvestigate FCRA 1681e ( b ) failure to assure maximum accuracy FCRA 1681n willful noncompliance I am requesting that CFPB require TransUnion to : 1. Conduct a fresh, independent, reasonable investigation 2. Provide the method of verification 3. Remove any unverifiable or inaccurately reported accounts 4. Remove all incorrect addresses and phone numbers This inaccurate reporting has caused financial harm, credit denial, and adverse action.

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 2025-12-09 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: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Product : Checking / Debit Card Company : Bank of America Issue : Unauthorized transactions/ Fraud Sub-issue : Failure to stop repeat unauthorized transfers Complaint Narrative I am experiencing repeat unauthorized debit card transactions labeled XXXXXXXX XXXX [ merchant ] that continued after my debit card was replaced. I do not have a XXXX account. A scammer created one using my card, and XXXX is charging my account through network tokenization and XXXX Account XXXX. 

On todays call with Bank of America Fraud and a manager, I formally requested preventative network-level controls, including : A XXXX  Account Updater opt-out, Network token suppression, and A permanent XXXX merchant block for prevention of further unauthorized electronic transfers. 

Bank of America stated they could not help me and refused to implement preventative controls, directing me elsewhere. Closing and reissuing my card has not prevented the fraud from recurring. 

This is a failure to prevent repeat unauthorized electronic transfers after notice, in violation of Regulation E ( 12 CFR 1005 ). I am requesting : Immediate network-level suppression of XXXX and XXXX Account Updater, Permanent prevention of future XXXX debits , and Full reimbursement of all unauthorized transactions. 

I spoke with a fraud manager XXXX XXXX via phone on XXXX and informed her I would be filing this complaint.

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 2025-12-09 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX  is reporting a Portfolio Recovery Associates ( PRA ) collection account with inaccurate and inconsistent information across multiple areas. I disputed this account with XXXX, but the reinvestigation came back as verified, even though the account still contains multiple errors that violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i. 

The errors include : The payment history shows continuous C collection status for over f

our years, including months where PRA did not report or had no activity. The account shows an original balance of {$4600.00} but al
so reports that same number as the current past-due balance, which is inconsistent for a sold debt.

The status date has not been properly updated despite multiple disputes.

The tradeline shows years of collection marks before PRA legally owned or reported the account, which is inaccurate. 

XXXX  lists multiple investigations but the errors remain unchanged, meaning a proper reinvestigation did not occur. 

XXXX continues to report Completed investigation consumer disagrees each time, even though the information remains inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. Below are the accounts in dispute, separated by credit bureau. Please review the following information and correct the discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23.00} Inquiries : None reported for XXXX Positive Accounts : No positive accounts listed Late Payment : XXXX Account Number : XXXXXXXX XXXX XXXX Late Payment : Unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
XXXX. XX/XX/XXXX. I purchased two tickets to XXXX XXXX XXXX XXXX on XXXX. Ticket Cost of {$530.00} XXXX. XX/XX/XXXX. Ticket seller on XXXX failed to transfer VALID tickets to XXXX XXXX XXXX XXXX. See photos of fake tickets sold on XXXX. 

XXXX. XXXX  seller named XXXX offered me a refund. See email communication. 

XXXX. XX/XX/XXXX. I accepted refund offer by email. 

XXXX. XX/XX/XXXX. I did NOT receive my refund. 

XXXX. XX/XX/XXXX. I did file dispute with Citibank. See attached. 

XXXX. XX/XX/XXXX. Citibank contacted Seller called XXXX. 

XXXX. XX/XX/XXXX. Merchant respo ded. 

XXXX. XX/XX/XXXX. Citibank closed my dispute and said that I am responsible. See 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 monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain inaccuracies and items on my credit report. Please see the details of the accounts in dispute below. I am requesting that these discrepancies be corrected per the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate and up to date.

Charged Off Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Incorrect Previous Addresses I am disputing the following addresses as incorrect and not belonging to me : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are not mine, and I request Equifax remove them immediately. 

B. Incorrect Previous Names No previous names should be attached to my file. 
If any exist, I request they be removed entirely. 

C. Charged-Off Accounts Reporting Incorrectly I am disputing the following charged-off account : XXXX  Account XXXX XXXX XXXX Reported Date : XX/XX/year>XXXX  Balance : XXXX XXXX XXXX This account is reporting inconsistently across bureaus. 

I request Equifax validate the accuracy or remove the account if unverifiable.

Company response to consumer: Closed with non-monetary relief