vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXXXXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-28 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: SC

Complaint narrative:
I am filing this complaint because my credit report contains a large number of errors that are affecting me financially and I need help getting them corrected. My report currently shows multiple addresses that I have never lived at, and they do not belong to me in any way. The incorrect addresses are : 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 I am asking that these be removed because they are not connected to me and could be linked to accounts that are not mine. 

My report also shows several charge-off accounts that I do not recognize or have no memory of ever opening. These include accounts from 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  ) with various open dates and balances. Because I do not have knowledge of these accounts, I am asking for full verification. If they can not be proven to belong to me through valid documentation, I request that they be deleted from my credit file. 

There is also one account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, that is reporting late payments. I disagree with this reporting and believe it is inaccurate. I am requesting that this account be reviewed and corrected if proof of late payment can not be provided. 

My report also shows a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ) and a bankruptcy listed from the XXXX Bankruptcy XXXX ( XXXX, filed/reported XX/XX/XXXX ). I am asking for proper verification of these items as well, including proof that they belong to me, before they continue to appear on my report. 

Finally, I am also questioning two credit inquiries listed under XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not sure if these were authorized, so I am asking for investigation and removal if they were not permitted by me. 

I am respectfully asking the CFPB to help by investigating these issues. I want the wrong addresses removed, I want any account that can not be proven as mine taken off my credit report, and I want the late payment reporting fixed if it is incorrect. These errors are causing damage to my credit and I need them resolved as soon as possible. Thank you for reviewing my complaint and helping me get my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this statement in regard to accounts that I have identified as inaccurately reported on my credit report. I am seeking assistance to address these disputes and ensure that my credit file is updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/year>, Balance : {$9300.00} Late Payments : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX transunion did not get filed by accident yday, and rthey are part of the problem. I asked the supervisor XXXX, from OHIO reference XXXX to call me on my XXXX  -analog landline and she told me that my landline of XXXX is not showing up on my extended fraud alert. This is my landline, which I have have since XXXX with XXXX. This is my phone number. My cell phone is XXXX, and I believe that XXXX is still mixing me up with XXXX from the state of Florida. We know for a fact that XXXX XXXX Consumer file is mixing me up with other people who are not me such as XXXX XXXX XXXX XXXX. I am also not XXXX XXXX XXXX. XXXX stated that me. 

I requested a letter from XXXX verifying the opt out by XXXX mail from voice recognition. I was toid by 4 agents that they were not required toprovide me an opt out letter. That is not true and I never opted in. Then when speaking to the supervisor XXXX, she told me that she would see what could be done to opt me out. I believe that my phone numbers are still in question as who they belong to, except they belong to me. 

I want my account to be listed under XXXX XXXX XXXX XXXX and my card embossed as XXXX XXXX XXXX XXXX XXXX. 

I also want all the reference numbers for all the credit that has been pulled on me.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, Im reaching out because my Citi XXXX XXXX card was closed right after I submitted the requested 4506 form. I confirmed the form was received, but it seems nothing was processed before the account was shut down. Could you please tell me the reason for the closure and why my documentation wasnt reviewed? I would appreciate clarification at your earliest convenience.

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 2025-11-28 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
Detailed Statement : I am actively reviewing my credit history as part of my effort to improve and correct my credit standing. Upon reviewing my Experian credit report, I noticed certain items that may be inaccurate or require further verification. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request proper validation of any information reported about me. I am submitting this statement to request Experians assistance in conducting a complete reinvestigation of the following items to ensure all information being reported is accurate, verifiable, and up to date.

1. Previous Address Please review and remove any outdated or incorrect address listed under my profile. I no longer reside at that location, and it should not be reflected as part of my current identifying information.

2. Charged-Off Accounts There are charged-off accounts listed on my Experian report that I believe may not have been properly verified. I request that Experian confirm all details with the original creditors and ensure full compliance with FCRA accuracy requirements. If these accounts can not be fully verified, I request their removal from my file. 

3. Inquiries XXXX XXXX Bank, XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these credit inquiries. Please investigate and verify whether these inquiries were made with my authorization and a permissible purpose. If not, I request that they be removed immediately.

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 2025-11-28 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  XXXX - Acct # XXXX - Account charged off - Balance {$710.00} XXXX XXXX XXXX XXXX Acct # XXXX - Closed - Collection - Balance {$0.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$4500.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$720.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$440.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$470.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$950.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$690.00} XXXX XXXX XXXX XXXX Acct # XXXX - Collection account - Balance {$1300.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX - Acct # XXXX - 60 days late - 8 late payments

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase told me I could NOT make another bank account under their banking jurisdiction because I had made too many transaction disputes in 2024 so they closed my account unbeknownst to me there is another account ending in XXXX under my name and my social security number that I know nothing about and they did NOT give me the information for that account to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
I am filing a dispute regarding the following accounts that are inaccurately reported as " charged off '' in my credit file : CHARGED OFF : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: VA

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 2025-11-28 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a consumer working to improve my credit and am disputing the following accounts on my Equifax credit report. The accounts listed below are inaccurate or incomplete, and I request that you investigate them under the Fair Credit Reporting Act ( FCRA ) and remove or correct any inaccuracies. 

XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ) opened on XX/XX/XXXX with a balance of {$2900.00}. This account is inaccurately reported and needs to be corrected or removed in accordance with FCRA regulations. 

XXXX XXXX  XXXX ( Account No. XXXX ) opened on XX/XX/XXXX with a balance of {$1600.00}. This account is incorrectly reported and should be removed or corrected to reflect accurate reporting. 

I request that you investigate these discrepancies and ensure that they comply with all applicable regulations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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