vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Re : Dispute of Inaccurate Credit Reporting under FCRA XXXX XXXX XXXX Dear Experian I am writing to formally dispute information in my credit file as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I have reviewed my credit report and found an account reported by XXXX XXXX XXXX that I believe to be inaccurate or unverifiable. 

The account in question is listed as : Creditor Name : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/year> Account Status : Open Remarks : Placed for collection This account does not reflect accurate or complete information, and I am requesting that it be investigated. Under 15 U.S. Code 1681i ( a ), you are required to investigate disputed information and delete or correct any information that is found to be inaccurate, incomplete, or unverified within 30 days of receiving this notice. 

Please provide : The method of verification used to confirm the account The name and address of the original creditor, if applicable Copies of any documentation used in your investigation Until this investigation is completed, I am requesting that you mark this item as disputed by consumer as required under FCRA. 

Enclosed are copies of documents supporting my claim, including a copy of my credit report with the disputed account highlighted. 

Please complete this investigation promptly and inform me in writing of the results. If the account can not be verified, I expect it to be removed from my credit report as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing to follow up on a previous dispute regarding unauthorized hard inquiries on my credit report. I am extremely disappointed with your agencys ongoing failure to investigate and remove these unapproved inquiriesspecifically, the one initiated by XXXX on XX/XX/2024.

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 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Issue : Incorrect information on your report or account | Charged fees you didnt authorize What happened : XXXX XXXX added a XXXX XXXX  monthly fee to my credit card without proper notice or authorization. I was not notified of this fee change in a clear or timely way. I only discovered it after checking my account and seeing the charge. I never consented to a monthly maintenance fee, and I did not opt in to any change to my account terms. 

After contacting customer service, they agreed to waive the fee and cancel the card but by then, the damage was done. This feels deceptive and predatory, especially because : I was not clearly informed of the change via any noticeable or prominent notification. 
The fee was added automatically unless I opted out, which I was never clearly instructed to do. 
There was no explicit agreement or re-consent to these new terms on my part. 
The fee was introduced quietly, with the assumption that silence = consent. 

I believe this violates the spirit, if not the letter, of the Truth in Lending Act, which requires 45 days notice for new fees. Even if notice was technically given somewhere, it was not prominent, not in good faith, and not actionable. 

This type of change should be opt-in not sneakily imposed on customers without a clear alert or consent process. 

I am requesting that CFPB review this practice and hold XXXX XXXX accountable for what I believe is deceptive and misleading fee implementation. 



Company name : XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Ive tried disputing my account with XXXX XXXX XXXX with XXXX  since XXXX of XXXX They will not resolve the problem with my account and it keep dropping my credit score XXXX to XXXX points. I keep providing a document from my attorney that this account is inaccurately being reported. If I do not get this resolved we will have no choice but to sue XXXX as well as we already did with the creditor.

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 2025-06-04 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-06-04 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-04 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a debt that I do not owe and has never been validated. I submitted a dispute and never received the legally required validation documentation. They are in violation of the FDCPA and FCRA by continuing to report unverifiable information. This entry must be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a bankruptcy listed on my credit report that is inaccurate and unverifiable. The bankruptcy court does not report to credit bureaus. Ive disputed this with the credit bureau, and they have failed to verify the accuracy of the information using original court records. I am requesting that this be investigated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts 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 XXXXXX/XX/year>

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I checked my credit file to see a collection was placed I have filed bankruptcy and I have not opened any credit I have never been in business with this company REMOVE FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
Today, I came across inaccurate entries on my credit report, and I have no explanation for them. I check my report routinely, but this time there were sudden inconsistencies. I tried refreshing the page, hoping it was a temporary glitch, but the errors persisted. Therefore, I kindly ask that you closely examine the documents Ive submitted to prevent this from happening again.

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 2025-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am unable to access the funds in my account. 
I opened an account and deposited {$2000.00} in it. After hearing other reviews online that customers weren't able to access their funds, I decided to move my money out and close my account. I requested a withdrawal, and it has not gone through. It says my account balance is {$2000.00}, but when I try to withdraw it, it says my account balance is XXXX. The funds have not appeared in the other account that I am attempting to transfer to.

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 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB Management has continued to furnish derogatory personal non-public account information on my consumer report to third parties, and consumer reporting agencies including ( XXXX XXXX XXXX XXXX  etc ). XXXX  XXXX has failed to deliver proper Validation of a collection account, after I requested Validation of the alleged debt via certified mail around XXXX XXXX. I never received the required Validation documents. According to the IRS when a creditor cancels debt, they notify the IRS and deliver a 1099-C to the consumer. Even if the consumer has not received a 1099C, the canceled recourse debt is filed on a consumers tax return as ordinary income. I have attached the portion of my tax return where I have filed the amount of {$6700.00} as ordinary income from debt cancellation of the original creditor ( XXXX XXXX ). The alleged amount which XXXX  XXXX is furnishing to my consumer report is {$3100.00} which is a discrepancy. XXXX  has failed to do a proper investigation as well. I do not owe XXXX XXXX any amount. They are non-compliant with my demands to permanently remove this collection account from my consumer report. They may be also considered participating in tax fraud. Ordinary income is excluded from a consumer report. XXXX  XXXX is affecting my mode of living and my ability to obtain credit. Thanks for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief