vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
This legitimate complaint demands immediate attention. My credit report includes inaccurate information that violates the standard of maximum accuracy. These errors are causing severe, ongoing harm to my life. I insist on a thorough investigation and the prompt correction or removal of all inaccuracies. Resolution is not just necessary it's critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: TN

Complaint narrative:
LJ Ross Associates , INC bought my debt with the electrical company. They sent an email to my brother that included information about the debt, account numbers, how much I owed, and my mailing address. They seem to think they were sending it to me, but sent it to my brother instead. There is no reason for them to even have that email address as I didn't even know the address until my brother forwarded me the email they sent him. This was embarrassing to say the least. 

Their contact info can be seen in the screenshots I uploaded.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
BANK OF AMERICA Executive Customer Relations XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal REQUEST FOR REINVESTIGATION of Credit Report Inaccuracies Under FCRA 611 To Whom It May Concern, I am writing to formally dispute and request the removal of late payment notations recently reported on my credit profile for the following Bank of America accounts : Accounts in Dispute 1.Account No XXXX oOpened : XX/XX/XXXX oBalance : {$16000.00} oReported Delinquencies : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XXXX XXXX : 90 days late XXXX XXXX : 60 days late 2.Account No XXXX oOpened : XX/XX/XXXX oBalance : {$1600.00} oReported Delinquencies : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late

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: CITIBANK, N.A.
State: MO

Complaint narrative:
Last 4 of SSN : XXXX Date : XXXX To : All Credit Bureaus XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal FCRA Dispute Incorrect/Incomplete Closed Account Reporting To Whom It May Concern, I am writing to dispute several closed accounts that are being reported inaccurately on my credit file. Under the Fair Credit Reporting Act ( FCRA ) specifically 602 ( A ), 607 ( b ), and 611 all information reported must be accurate, complete, and verifiable. If you can not verify these accounts with complete documentation, they must be corrected or deleted.

After reviewing my credit report, the following closed accounts appear inaccurate, unverifiable, outdated, or reported incorrectly : Accounts in Dispute XXXX  Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX/XXXX  Closed XX/XX/XXXXXXXX THD/CBNA Closed XX/XX/XXXX XXXX BASIS FOR DISPUTE Under FCRA XXXX ( b ), all information must be accurate and up-to-date, including : Account status Payment history Date of closure Balance information Responsibility ( individual vs. joint reporting ) Whether the item is obsolete or past reporting limits Many of these closed accounts are older than the standard reporting period, contain inconsistencies, or are not verifiable, which violates : FCRA 611 ( a ) ( 1 ) ( A ) Right to dispute inaccurate information FCRA 611 ( a ) ( 5 ) Must delete or correct unverifiable data FCRA 602 ( A ) Consumer protection from inaccurate reporting I am requesting a complete re-investigation. If these furnishers can not provide full documentation, including : Original signed account applications Full payment history Proof of account responsibility Date-of-closure verification Updated status reporting then these accounts must be deleted immediately from my credit file.

REQUESTED ACTION I am requesting : 1.A full FCRA reinvestigation of each account listed.

2.Deletion of any accounts that can not be fully verified.

3.Correction of any inaccurate dates, statuses, or payment information.

4.A new updated credit report mailed to me after completion.

Enclosures : Copy of my drivers license Copy of my Social Security card Proof of address I expect a full response within 30 days, as required by FCRA 611. 

Thank you, 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 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 — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Last 4 of SSN : XXXX Date : XXXX To : All Credit Bureaus XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal FCRA Dispute Incorrect/Incomplete Closed Account Reporting To Whom It May Concern, I am writing to dispute several closed accounts that are being reported inaccurately on my credit file. Under the Fair Credit Reporting Act ( FCRA ) specifically 602 ( A ), 607 ( b ), and 611 all information reported must be accurate, complete, and verifiable. If you can not verify these accounts with complete documentation, they must be corrected or deleted. 

After reviewing my credit report, the following closed accounts appear inaccurate, unverifiable, outdated, or reported incorrectly : Accounts in Dispute XXXX Closed XX/XX/XXXX XXXX  Closed XX/XX/XXXX XXXX  Closed XX/XX/XXXXXXXX XXXX  Closed XX/XX/XXXXXXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXXXXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX NORDSTM/TD Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX LEGAL BASIS FOR DISPUTE Under FCRA 607 ( b ), all information must be accurate and up-to-date, including : Account status Payment history Date of closure Balance information Responsibility ( individual vs. joint reporting ) Whether the item is obsolete or past reporting limits Many of these closed accounts are older than the standard reporting period, contain inconsistencies, or are not verifiable, which violates : FCRA 611 ( a ) ( 1 ) ( A ) Right to dispute inaccurate information FCRA 611 ( a ) ( 5 ) Must delete or correct unverifiable data FCRA 602 ( A ) Consumer protection from inaccurate reporting I am requesting a complete re-investigation. If these furnishers can not provide full documentation, including : Original signed account applications Full payment history Proof of account responsibility Date-of-closure verification Updated status reporting then these accounts must be deleted immediately from my credit file.

REQUESTED ACTION I am requesting : 1.A full FCRA reinvestigation of each account listed.

2.Deletion of any accounts that can not be fully verified.

3.Correction of any inaccurate dates, statuses, or payment information.

4.A new updated credit report mailed to me after completion.

Enclosures : Copy of my drivers license Copy of my Social Security card Proof of address I expect a full response within 30 days, as required by FCRA 611. 

Thank you, XXXX XXXX. XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These are inaccurate items. They show as 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 2025-11-18 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: MS

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
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: IL

Complaint narrative:
I am filing an identity theft block request under 15 U.S.C. 1681c-2. The credit bureaus are reporting information that does not belong to me and was the result of fraud. I submitted the required block letter, documentation, and identity theft statement, but the bureau failed to properly remove or investigate the fraudulent information. I am requesting that the CFPB require the bureau to comply with federal law and immediately block and delete the inaccurate/fraudulent data from my credit file. I have already notified the bureau in writing, provided evidence, and followed all steps required under the FCRA. They have not corrected or removed the fraudulent information within the time allowed, and they continue to report it even though I advised them that the accounts and inquiries are not mine. Their refusal to properly block this information is harming my credit and causing denials. I am requesting CFPB intervention to make the credit bureau fully comply with the FCRA, investigate properly, and remove all fraudulent items I identified in my block 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 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: IL

Complaint narrative:
I am filing an identity theft block request under 15 U.S.C. 1681c-2. The credit bureaus are reporting information that does not belong to me and was the result of fraud. I submitted the required block letter, documentation, and identity theft statement, but the bureau failed to properly remove or investigate the fraudulent information. I am requesting that the CFPB require the bureau to comply with federal law and immediately block and delete the inaccurate/fraudulent data from my credit file. I have already notified the bureau in writing, provided evidence, and followed all steps required under the FCRA. They have not corrected or removed the fraudulent information within the time allowed, and they continue to report it even though I advised them that the accounts and inquiries are not mine. Their refusal to properly block this information is harming my credit and causing denials. I am requesting CFPB intervention to make the credit bureau fully comply with the FCRA, investigate properly, and remove all fraudulent items I identified in my block letter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INCONSISTANT AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following hard Inquiries are disputed as unauthorlzed and or lacking permisslble purpose 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal REQUEST FOR REINVESTIGATION of Credit Report Inaccuracies Under FCRA 611 To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of certain late payment notations being reported on my credit file for XXXX accounts held with XXXXXXXX XXXX. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which gives me the right to request a reinvestigation of any information I believe is inaccurate, incomplete, or unverifiable. 
Accounts in Dispute XXXXAMERICAN EXPRESS XXXX Account no : XXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX. I was never been late and this is inaccurately reported, please remove the late payment immediately. This may indicate errors in Payment History Profile formatting or improper use of XXXX XXXX XXXX XXXX XXXX XXXX. Please verify whether these entries comply with XXXX XXXX hierarchy and reporting timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: NJ

Complaint narrative:
The credit collector has not provided me proper debt validation for this alleged debt. I requested the orginal contract with KIKOFF Lending LLC with my signature, I requested my payment history with KIKOFF Lending LLC & a proof of debt assignment. They have not provided any of this information. Please delete this from account

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: 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:
I filed a dispute with the bureau for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming my disputes are coming from a XXXX party. When in actuality they are not coming from a XXXX party. They are coming from me! I even called the bureau to verify it was me and they still refused to process my disputes. I've not only wasted my time, but I've also wasted my money on mailing in my disputes. I also sent in my personal information through the mail just for them not to thoroughly investigate.

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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with the bureau for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming my disputes are coming from a XXXX party. When in actuality they are not coming from a XXXX party. They are coming from me! I even called the bureau to verify it was me and they still refused to process my disputes. I've not only wasted my time, but I've also wasted my money on mailing in my disputes. I also sent in my personal information through the mail just for them not to thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains multiple errors that I can no longer overlook, as they have been consistently harming my life and undermining my credit score. These inaccuracies are preventing me from achieving the financial stability and freedom Ive been working toward, and they must be addressed without further delay.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief