vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
b'XXXX XXXXnXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX\n \nExperian \nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian 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 XXXX XXXX because of the Experian 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.XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian 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 \nXXXX 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 2025-11-06 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This letter is to inform of unauthorized inquiries on my consumer report. I am not liable for them please remove from my report. 
XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXXXXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This letter is to inform of unauthorized inquiries on my consumer report. I am not liable for them please remove from my report. 
XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I received a letter from XXXX XXXX XXXX ( XXXX ) claiming that I owe {$710.00} to XXXX This is incorrect. I do not owe XXXX any money. 

After receiving the letter, I requested verification of the debt. The documentation XXXX sent actually showed that I do not owe. When I disputed the debt and asked them to investigate further or confirm that it was dismissed, they sent the same paperwork again, but this time they left out some of the paperwork that shows that they are error. 

The amount in question came from a fraudulent charge on my XXXX Citi XXXX account. XXXX Citi XXXX investigated and confirmed the charge was fraudulent, then issued a chargeback in my favor. Months later, this same fraudulent amount was sent to collections under my name. XXXX is aware that this was a chargeback and was determined to be fraud. The paperwork they sent initially stated that fact very clearly. 

This situation appears to be an error that has not been properly corrected. I am requesting that the CFPB XXXX this matter and ensure that both XXXX and XXXX stop any further collection attempts or reporting related to this invalid debt. Their continued collection efforts after receiving a proper dispute notice may violate the Fair Debt Collection Practices Act.

I will be following up with the Delaware Consumer Protection and the State Bank Commissioner as well.

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 2025-11-06 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate or outdated information reported on my credit file regarding my car loan account with XXXX XXXX XXXX XXXX The following details appear to be incorrect or incomplete in my credit report : XXXX XXXX Case Number : XXXX Reported Status : Defaulted Date Opened : XX/XX/year> Balance Reported : XXXX I believe this information is inaccurate because the court already dismissed this account. 

Enclosed are copies of supporting documents to help your investigation : Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'This submission is intended for Supervisory review under FCRA  621 and Dodd-Frank  1024 due to systemic and pattern-based reporting failures.\n\nTransUnion LLC has repeatedly mishandled reinvestigations involving XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.  A single underlying obligation was reported under multiple account numbers (XXXX XXXX XXXX XXXX XXXX).  Despite written notice from XXXX that no furnisher validation had been received, TransUnion continued to mark each iteration verified accurate.  Jefferson later deleted one of these tradelines, yet TransUnion re-aged the same debt under new identifiers.\n\nThe attached memorandum (titled TransUnion XXXX Risk-Factor and Governance Analysis) documents:\n A chronology of disputes and bureau responses;\n Evidence of verification without validation;\n Vendor-interface and control deficiencies; and\n Potential governance-attestation gaps undeXXXX XXXX XXXX  and XXXX\n\nThis is not an individual error dispute but a pattern-and-practice matter affecting multiple consumers.  I request that the Bureau open a supervisory examination of TransUnions dispute-resolution and data-accuracy controls and coordinate, as appropriate, with state Attorneys General and the FTC.\n\nCertain embedded screenshots include TransUnion file number references for verification purposes. Personally identifiable information has been redacted except where necessary for traceability.\n\nA Documentation Control Log with SHA-256 integrity identifiers is maintained by the undersigned and available to regulators upon request.'

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing a collection account being reported by Jefferson Capital LLC for {$990.00} that allegedly originated from XXXX. The account was opened on or around XX/XX/, 2024, and is being reported as a collection on myXX/XX/XXXX report. I have repeatedly requested full validation and verification of this alleged debt, including documentation proving Jefferson Capitals ownership and legal right to collect or report this account. To date, I have not received any supporting documentation or proof of validation. 
Despite my written disputes and requests for investigation, Jefferson CapitaXXXX and XX/XX/XXXX have continued to report this unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have filed multiple complaints with the CFPB, FTC, and Georgia Attorney General due to their continued noncompliance and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and 15 U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The documentation the collection agency provided is inaccurate and proves they are illegally re-aging the account. Their own letter shows an install date of XX/XX/XXXX, yet they claim new charges, a disconnect date, and a date of first delinquency in XXXX. This is impossible for a XX/XX/XXXX & XXXX utility account.XX/XX/XXXX & XXXX does not issue new charges XXXX years after service installation. 

Reporting a Date of First Delinquency of XX/XX/XXXX on a XXXX account violates FCRA XXXX ( a ) ( XXXX ). The documentation they provided does not validate the debt it instead demonstrates that the furnisher is misrepresenting dates to extend the credit reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XX/XX/XXXX INQUIRIES : XX/XX/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 explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am submitting this letter to request the removal of certain items from my credit file, which are listed in the attached Word document. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not authorize or apply for. I am asking that these fraudulent items be deleted so that my credit report reflects only accurate and legitimate information. I have reported the identity theft to the Federal Trade Commission and included copies of the report for your reference. Please process the deletion of these items from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me withinXX/XX/XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. cXX/XX/XXXXe XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2025-11-06 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: TX

Complaint narrative:
I am disputing an unauthorized account and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. This account and inquiries are the result of identity theft.

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 2025-11-06 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:
I am disputing an unauthorized account and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. This account and inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/year>. Myself and my daughter signed the sales contract in the dealership via their digital signature platform on their device. We were emailed a copy of the contract that same night. The next day, while I was at work, I received emails with additional documents that I had not seen before or signed. Some of the documents included were a service contract that I declined and have proof via text. I was adamant that I did not want their additional ons or service contract. I also received an altered sales contract where the vehicle price was lowered so they could add on the service contract. They also changed a few other numbers on the sales contract. The issue is that these new docs that were emailed to me were not signed by me. They electronically forged my signature and my daughters signature. I can confirm since the electronic signature certificates that I signed at the dealership were signed when I was there after XXXX on the XXXX. The new and altered docs were showing as signed on the XXXX after XXXX. The certificate also shows the IP address for each signer. The IP address on the forged documents was the same for myself, my daughter, and the finance agent. However, my job, my daughters job, and video surveillance can confirm that we were at work which is XX/XX/XXXX away from the dealership where the signature IP addresses match to their device. 
Instead of owning up to the forgery or even apologizing, they instead told me that I could just bring the car back. This is my daughter 's first car and she loves it, plus I did sign a valid contract that I do not want to back out of which was later altered then forged. This is criminal activity especially since they send forged contracts to financial institutions for their own financial gain.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

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 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Bank errors related to billing and reporting are negatively affecting my credit. Under XX/XX/XXXX ( 15 U.S. CXX/XX/XXXXe XXXX ( b ) ), creditors must accurately reflect payments and credits, yet several problems have occurred payments I made were not properly applied, and there are clear calculation mistakes in the reported amounts. Additionally, I was not provided the required XXXXday notice before a payment was due, which invalidates any late payment marks. These inaccuracies violate federal law and have unfairly harmed my credit profile.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
I don't know what this debt is. Just saw it on my credit report. This seems to be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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