vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX is reporting contradictory information to the credit bureaus. They credited the account in XXXX but claim to have settled it in XXXX. XXXX is inconsistent across XXXX XXXX XXXX XXXX  I have attached proof of payment, an FTC identity theft report, a police report, and their own contradictory letter.

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 2025-09-08 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX Jade XXXX XXXX, XXXX Tx XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX Company Youre Complaining About : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Complaint Narrative ( what happened ) : I am submitting this complaint regarding inaccurate credit reporting, improper repossession notices, and violations of the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( XXXX ) by XXXX XXXX. 
XXXX XXXX repossessed my vehicle on XX/XX/XXXX, but failed to provide proper Notice of Right to Redeem and Notice of Sale as required by UCC 9-611 and 9-613. I never received these notices, and their deficiency balance calculation contains unexplained and inflated fees. 
XXXX XXXX also reported conflicting and inaccurate data to the credit reporting agencies : Date of First Delinquency ( DOFD ) reported as XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ), and XXXX ( Experian ). This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). 
XXXX balance is inconsistent : XXXX shows {$7600.00}, Experian reports {$7600.00}, and Equifax reports {$7600.00}. 
Charge-off date conflicts : XXXX claims XX/XX/XXXX, but also reported in XX/XX/XXXX, while Experian shows XX/XX/XXXX. 
Status inconsistencies : Equifax lists only Charge Off, while Experian lists Repossession followed by Charge Off. 
Last payment dates conflict : Equifax lists XX/XX/XXXX, Experian lists XX/XX/XXXX. 
These discrepancies show that XXXX XXXX is not reporting accurate and consistent information, violating FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Tx XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX Company Youre Complaining About : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Complaint Narrative ( what happened ) : I am submitting this complaint regarding inaccurate credit reporting, improper repossession notices, and violations of the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( XXXX ) by XXXX XXXX. 
XXXX XXXX repossessed my vehicle on XX/XX/XXXX, but failed to provide proper Notice of Right to Redeem and Notice of Sale as required by UCC 9-611 and 9-613. I never received these notices, and their deficiency balance calculation contains unexplained and inflated fees. 
XXXX XXXX also reported conflicting and inaccurate data to the credit reporting agencies : Date of First Delinquency ( DOFD ) reported as XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ), and XXXX ( Experian ). This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). 
XXXX balance is inconsistent : XXXX shows {$7600.00}, Experian reports {$7600.00}, and Equifax reports {$7600.00}. 
Charge-off date conflicts : XXXX claims XX/XX/XXXX, but also reported in XX/XX/XXXX, while Experian shows XX/XX/XXXX. 
Status inconsistencies : XXXX lists only Charge Off, while Experian lists Repossession followed by Charge Off. 
Last payment dates conflict : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX. 
These discrepancies show that XXXX XXXX is not reporting accurate and consistent information, violating FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One/Kohls - {$3100.00} My information was included in XXXX  Data breech . Account was opened fraudulently. All my information has been compromised in data breech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
I am submitting this complaint to request the immediate removal of multiple unauthorized credit inquiries from my credit reports. I did not authorize these inquiries, and they were made as a result of identity theft. These inquiries are negatively affecting my XXXX XXXX and financial reputation. 

Unauthorized Inquiries : XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Requested Resolution : Remove all unauthorized inquiries listed above from my credit reports with Experian, TransUnion, and Equifax. 

Provide written confirmation that these inquiries have been removed. 

Ensure my credit reports reflect only authorized and accurate information. 

Place a fraud alert on my credit reports to prevent future unauthorized activity. 

These actions are requested under my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which guarantees the removal of fraudulent information and mandates a reasonable investigation by the credit bureaus. These inquiries were made without my authorization, consent, or knowledge, constituting identity theft under 18 U.S.C. 1028.

I am prepared to provide documentation verifying my identity and supporting this dispute. I request that the CFPB take immediate action to ensure the removal of these fraudulent inquiries and protect my rights as a consumer. 

Thank you for your attention and assistance. 

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 non-monetary relief
Consumer complaint received 2025-09-08 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-09-08 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: OH

Complaint narrative:
I am submitting this complaint to request the immediate removal of multiple unauthorized credit inquiries from my credit reports. I did not authorize these inquiries, and they were made as a result of identity theft. These inquiries are negatively affecting my XXXX XXXX and financial reputation. 

Unauthorized Inquiries : XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Requested Resolution : Remove all unauthorized inquiries listed above from my credit reports with Experian, TransUnion, and Equifax. 

Provide written confirmation that these inquiries have been removed. 

Ensure my credit reports reflect only authorized and accurate information. 

Place a fraud alert on my credit reports to prevent future unauthorized activity. 

These actions are requested under my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which guarantees the removal of fraudulent information and mandates a reasonable investigation by the credit bureaus. These inquiries were made without my authorization, consent, or knowledge, constituting identity theft under 18 U.S.C. 1028.

I am prepared to provide documentation verifying my identity and supporting this dispute. I request that the CFPB take immediate action to ensure the removal of these fraudulent inquiries and protect my rights as a consumer. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to request the immediate removal of multiple unauthorized credit inquiries from my credit reports. I did not authorize these inquiries, and they were made as a result of identity theft. These inquiries are negatively affecting my XXXX XXXX and financial reputation. 

Unauthorized Inquiries : XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Requested Resolution : Remove all unauthorized inquiries listed above from my credit reports with Experian, TransUnion, and Equifax. 

Provide written confirmation that these inquiries have been removed. 

Ensure my credit reports reflect only authorized and accurate information. 

Place a fraud alert on my credit reports to prevent future unauthorized activity. 

These actions are requested under my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which guarantees the removal of fraudulent information and mandates a reasonable investigation by the credit bureaus. These inquiries were made without my authorization, consent, or knowledge, constituting identity theft under 18 U.S.C. 1028.

I am prepared to provide documentation verifying my identity and supporting this dispute. I request that the CFPB take immediate action to ensure the removal of these fraudulent inquiries and protect my rights as a consumer. 

Thank you for your attention and assistance. 

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My issue is that I am locked out of my Experian account due to outdated phone number and inability to update contact information. 

I am unable to log in to my Experian account because the system requires sending a verification code to my old phone number, which I no longer have access to. Since I can not log in, I am also unable to update my phone number within my account. 

I have called XXXX support numbers multiple times ( XXXX and XXXX ). Each time, the automated system also attempts to send a code to my old number, creating a closed loop with no resolution. I have not been able to reach a live representative who can help me bypass this issue or securely update my information. 

This situation has left me completely locked out of my account. I am concerned about both my credit monitoring access and my ability to dispute errors or detect fraud. 

I'm requesting a secure way to verify my identity without requiring my old phone number, the ability to update my contact information ( new phone number ) and restore access to my Experian account. 

ExperianXXXX current process creates a dead end for consumers who change their phone numbers. The system requires information I no longer have access to, but provides no safe or secure alternative. Mailing sensitive documents with my full Social Security number feels unsafe, and Experian has not offered a secure upload or other option despite multiple attempts. 

I am requesting the CFPBs assistance to ensure Experian provides a secure and reasonable method for me to regain access to my account and update my phone number.

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I do not do business with debt collectors. There is no evidence that this is mine and I have called to dispute these charges with the company already. a Sprink Oaks LLC, a debt collector has used my name and details to report to the credit filing report for a debt that is not mine. I will not allow my name and details to be used with companies I did not agree to do business with. These debt collectors have no proof and no evidence and must be removed immediately. I have already written and called them both. I have already told them my rights and have told them I am not paying their made up debt.

I have disputed on my credit account and have tried to remedy this situation. Now I am going to take legal action against them and am filing with you so that you know what they are doing to bully and harass their customers.

SPRING OAKS LLC Transaction Date : Reported on my Credit Report : Opened XX/XX/year> Transaction Amount : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX XXXX. XXXX, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX evidence of my claim. 
According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX to XXXX XXXX. XXXX, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I XXXX request an extension. During this time, no information XXXX be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: 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 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