vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

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 2025-11-18 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:
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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
National Credit Systems ( XXXX ) is attempting to collect and has reported a debt to the credit bureaus that is incorrect, unverified, and disputed. 
I submitted a formal written debt dispute to XXXX on XX/XX/XXXX, as allowed under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). 
XXXX has not provided any validation or supporting documentation for the alleged debt.

Despite this, they continue collection activity and recently sent a notice stating that I have not made a suitable arrangement to resolve the debt.

Under FDCPA 809 ( b ), the debt collector must cease all collection efforts until they provide verification of the debt, but XXXX has continued demanding payment without validating the debt. 
________________________________________ Original creditor information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NM Apartment # : XXXX Lease period : XX/XX/XXXX XX/XX/XXXX ________________________________________ Why the debt is incorrect At move-out, the apartment complex added several charges to my account that were later confirmed to be errors. 
The Assistant Manager ( XXXX XXXX XXXX ) confirmed : {$65.00} Partial Paint Charge incorrect, belonged to a different unit {$50.00} XXXX XXXX Charge incorrect, belonged to a different studio {$360.00} Opening Balance Charge incorrect, because I properly submitted my 60-day written notice for early termination The apartment management agreed to send me a corrected final bill, but never did, despite multiple attempts to follow up.

Since the alleged debt is based on uncorrected, inaccurate charges, the balance being reported is not valid.

________________________________________ Actions I took I filed a formal dispute with XXXX via email on XX/XX/XXXX. 
I requested full validation, including an itemized final bill and proof of the amount owed. 
I requested that collection activity cease until verification was provided. 
XXXX never provided validation. 
XXXX continues to report the account and send payment demands. 
I have email documentation showing the apartment acknowledged the billing errors. 
________________________________________ How XXXX violated FDCPA XXXX is in violation of FDCPA 809 ( b ) : They continued collection activity after a written dispute. 
They continued reporting to credit bureaus without verifying the debt. 
They demanded that I resolve the debt despite failure to validate it. 
They did not provide verification within a reasonable time frame. 
________________________________________ Supporting documents I can provide copies of : My written dispute to XXXX Email correspondence with XXXX XXXX XXXX  Evidence that the apartment acknowledged billing errors The XXXX letter stating I have not made suitable arrangements, sent after my dispute Move-out documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my verified financial history, responsible credit behavior, and overall creditworthiness. After examining my Experian, Equifax, and TransUnion reports, I discovered that multiple accounts, including late-closed accounts and charge-offs, have been reported inconsistently, inaccurately, or incompletely. These discrepancies create a misleading portrayal of my financial reliability and may adversely affect my ability to obtain credit, secure housing, or maintain employment opportunities that rely on accurate reporting. 
Specifically, my reports list a late-closed account from XXXX XXXX XXXX  ending XXXX with a XXXX balance. According to my records, this account was closed in good standing with all payments made in accordance with the original agreement. However, the reporting does not accurately reflect the timing, status, or closure of this account, which misrepresents my payment history and responsible financial behavior. This inaccuracy violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report accurate dates of first delinquency, and FCRA 623 ( a ) ( 1 ) ( A ), which mandates that all reported information be accurate, complete, and verified. 
In addition, my reports include a charge-off account from XXXX ending XXXX with a reported balance of {$1300.00}. The information associated with this account does not align with my verified records, which show payments and resolutions that are not accurately reflected in the reporting. The inconsistent or erroneous reporting of this charge-off misrepresents my credit behavior, suggesting delinquencies or financial mismanagement where none exist. Such misreporting XXXXay constitute false, misleading, or unfair practices in violation of FDCPA 807, 808, and 809, and interferes with my right to proper debt validation and accurate credit reporting. 
The cumulative effect of these inaccuracies, late-closed accounts and charge-offs, creates a fragmented and misleading credit profile that does not reflect my actual payment history or financial responsibility. These errors may result in wrongful credit denials, higher interest rates, or other adverse financial consequences. I request that each disputed item be thoroughly reinvestigated directly with the original creditors or furnishers, with verification of balances, dates of last activity, account status, and closure, and that all inaccuracies be corrected promptly across all three credit bureaus to ensure accuracy, consistency, and compliance with federal law.

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 2025-11-18 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:
dentity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization.

The fraudulent account is XXXX XXXX XX/XX/XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ). 
The fraudulent inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
bXXXX XXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nEquifax Information Services, LLC\nXXXX XXXX XXXX XXXX XXXX0256\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nHabib Wasai'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Account # XXXX listed as LVNV Funding LLC I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Company : National Debt Relief + XXXX XXXX XXXX ( their legal partner ) Program Start Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ( Last 4 : XXXX ) State : New York Complaint Statement ( Paste in CFPB Form ) : I am filing a complaint against National Debt Relief ( NDR ) and their affiliated law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

I enrolled in National Debt Reliefs program on XX/XX/XXXX, and my XXXX XXXX account ending in XXXX was included in the program. Recently, I received a message from NDR telling me that my account had an update, and they asked me to call them. When I called, the representative told me they were unable to negotiate with this creditor and that I should handle the account myself. 

I clearly told them the call was recorded, and I never requested to remove this account from the program. They forced me into removing the account. I did not request or initiate any removal from the program. They pressured me into agreeing because they said they were not going to handle this creditor anymore. 

Later, I contacted XXXX, then the collection agency, and then the law firm handling the lawsuit. They all told me they could not negotiate directly because my case was still under National Debt Reliefs legal representative. 

Today, I received an email from XXXX XXXX XXXX asking me to sign and notarize a Consent to Release Representation ( CRR ) form. The letter falsely states that on XX/XX/XXXX, I told them I wanted to negotiate directly with the creditor. This is completely untrue. My conversation happened on Friday, XX/XX/XXXX, and I never asked to negotiate on my own. 

They are forcing me to sign a notarized form so they can withdraw from the case, and they are pushing me into court procedures that I never agreed to. This is misrepresentation, pressure, and deception. 

Proofs I have : The email PDF sent by the law office Message from XXXX asking me to call for account updates All call date/timings available on my phone logs NDR has full call recordings, as all their calls are recorded I have screenshots of everything I am requesting : Investigation into NDRs forced removal of my creditor account Correction of false statements in the XXXX XXXX XXXX from being forced into self-representation in court Full review of their misleading practices and pressure tactics I never asked for removal. They forced me. Now they are sending false documents with incorrect dates. 

Please take action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
XXXX reported a late payment on a credit card account I never received, never activated, and never used. The account was suspended before I had access. Their false reporting has severely harmed my credit, preventing me from applying for loans, credit cards, or other services. I disputed this with XXXX  and TransUnion, but XXXX verified the false information without providing proof, billing statements, or transaction history. I have supporting documentation, including credit bureau dispute results, emails and letters from XXXX, OCC case confirmation, and screenshots showing the false late payment. I also have open regulatory cases with the OCC, CFPB, FTC, IC3, and my State Senator/Attorney General regarding this account. 

XXXX continued inaccurate reporting is unacceptable. I am requesting that CFPB require XXXX to delete the false late payment, correct the account history, update all credit bureaus, and provide written confirmation immediately. I am prepared to escalate this legally if the inaccurate reporting is not corrected.

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 2025-11-18 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: CA

Complaint narrative:
XXXX reported a late payment on a credit card account I never received, never activated, and never used. The account was suspended before I had access. Their false reporting has severely harmed my credit, preventing me from applying for loans, credit cards, or other services. I disputed this with XXXX  and XXXX, but XXXX verified the false information without providing proof, billing statements, or transaction history. I have supporting documentation, including credit bureau dispute results, emails and letters from XXXX, OCC case confirmation, and screenshots showing the false late payment. I also have open regulatory cases with the OCC, CFPB, FTC, IC3, and my State Senator/Attorney General regarding this account. 

XXXX continued inaccurate reporting is unacceptable. I am requesting that CFPB require XXXX to delete the false late payment, correct the account history, update all credit bureaus, and provide written confirmation immediately. I am prepared to escalate this legally if the inaccurate reporting is not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XXXX of the year, I've been trying to get Transunion to correct my name in their system. My name is XXXX XXXX this is the only name I go by and it's the name on my license which I've send copies multiple times. I receive a copy of my credit report from Transunion File number XXXX Dated XX/XX/year> with a different name. Now my name is listed as " XXXX XXXX XXXX. '' That is not my name legal name. 
Transunion literally changed my name on their site to XXXX XXXX XXXX on their own without my consulting with me or requesting verification which I had already supplied by sending them a copy of my driver 's license with my XXXX complaint. 

I've also filed complaints with your company ( CFPB ) and received no resolution even though I've attached a copy of my driver 's license to your company as well. 

This matter is not a joke to me and if this is not resolved I will seek legal advice to resolve 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After 20 years as a loyal customer to Bank of America, always paying our 3 credit cards accounts on time. 

My family and I are struggling to pay the 3 accounts because loss of income, medical bills, hit by Hurricanes in XXXX, high debts, high inflation, bad economy ... Bank of America is being charging us a very high interest on the 3 of credit cards accounts.

I have been contacting them every single week, asking them to help me lower the interest on n the 3 accounts and consolidate all 3 accounts to a ONE small payment around {$250.00}, they refuse. 

As a minority American family with children, we FEEL DISCRIMINATION for Bank of America to refuse to help us. Instead they referring us a third party. We don't want to do that. We want Bank of America to consolidate our 3 accounts to a small 1 payment.

Please help us.

Thank you

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