vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto loan account opened at XXXX XXXX  XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Auto loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Auto loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-20 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: LEXISNEXIS
State: DC

Complaint narrative:
XXXX  THIS IS RESPONSE I, XXXX XXXX VICTIM OF IDENTITY THEFT FROM LATEST LEXIS NEXUS DATA BREACH, MY PARENTS HAVE HAD A TRUST FUND FOR ME SINCE I WAS A BABY ; I NEVER NEED A BANK. I HAVE NEVER NEEDED ANY BANK ACCOUNT. I HAVE NEVER APPLIED FOR ANY CREDIT IN MY LIFE, NOR HAVE I CAUSED ANY INQUIRIES. MY ONLY INFORMATION HAS BEEN MY INFORMATION SINCE THE YEAR XXXX, WHICH IS : I HAVE LIVED : AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ENTIRE LIFE. I HAVE NEVER LIVED AT ANY OF THOSE NON MAILABLE ADDRESSES PERTAINING TO MY FILE, AND MY PHONE NUMBER HAS ALWAYS BEEN XXXX, I HAVE NEVER APPLIED FOR STUDENT LOANS NOR ANY LOANS, XXXX XXXX, AND HAVE NEVER HAD ANY CREDIT ACCOUNTS. AND NEVER HAD ANY EVICTIONS, JUDGEMENTS, OR PUBLIC RECORDS OR APARTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: ID Analytics, Inc.
State: DC

Complaint narrative:
XXXX THIS IS RESPONSE I, XXXX XXXX VICTIM OF IDENTITY THEFT FROM LATEST XXXX XXXX DATA  BREACH, MY PARENTS HAVE HAD A TRUST FUND FOR ME SINCE I WAS A BABY ; I NEVER NEED A BANK. I HAVE NEVER NEEDED ANY BANK ACCOUNT. I HAVE NEVER APPLIED FOR ANY CREDIT IN MY LIFE, NOR HAVE I CAUSED ANY INQUIRIES. MY ONLY INFORMATION HAS BEEN MY INFORMATION SINCE THE YEAR XXXX, WHICH IS : I HAVE LIVED : AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MY ENTIRE LIFE. I HAVE NEVER LIVED AT ANY OF THOSE NON MAILABLE ADDRESSES PERTAINING TO MY FILE, AND MY PHONE NUMBER HAS ALWAYS BEEN XXXX, I HAVE NEVER APPLIED FOR STUDENT LOANS NOR ANY LOANS, XXXX XXXX, AND HAVE NEVER HAD ANY CREDIT ACCOUNTS. AND NEVER HAD ANY EVICTIONS, JUDGEMENTS, OR PUBLIC RECORDS OR APARTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for inaccurate and illegally re-aged credit reporting in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). 

XXXX own written response ( dated XX/XX/XXXX ) admits the account was charged off in XX/XX/XXXX and that the vehicle was repossessed on XX/XX/XXXX. However, I was XXXX from XX/XX/XXXX through XX/XX/XXXX, with no access to accounts, finances, or any ability to authorize payments. 

Despite this, XXXX continues to report monthly charge-offs well after the charge-off date, and previously referenced an alleged payment in XX/XX/XXXX to re-age the account. No such payment was authorized or made by me. Their response failed to verify this payment, acknowledge my XXXX documentation, or correct the reporting. 

This conduct violates federal law and is severely damaging my credit. I am requesting : Immediate deletion of this tradeline from all credit bureaus A full investigation into XXXX  reporting practices and failure to comply with FCRA

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 2025-06-20 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:
This morning, I discovered that there are incorrect accounts listed on my credit report, and I have no idea how they got there. I check my credit regularly, but today I noticed unexpected errors. I even refreshed the page thinking it might be a glitch, but the incorrect entries remained. Given this issue, I respectfully request a thorough review of the documents I submitted to ensure this doesnt happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a glitch, but the inaccurate entries remained. Given this, I kindly ask that the documents I submitted be carefully reviewed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: ND

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Experian properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> TO : CENTRAL PORTFOLIO CONT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : NOTICE OF DISPUTE & DEMAND TO CEASE AND DESIST UNDER 15 U.S.C. 1692c ( c ) & 15 U.S.C. 1681i To Whom It May Concern : This letter serves as formal notice that I am disputing the alleged account referenced below, which you have reported to XXXX or more consumer reporting agencies and/or are attempting to collect. 

Alleged Account Name/Number : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute the completeness and/or accuracy of this account. You are required by law to conduct a reasonable investigation and to remove or correct any inaccurate, incomplete, or unverifiable information. If you can not provide written validation and substantiating documentation of the debt, including the original contract bearing my signature, this account must be deleted from all consumer reports in which it appears. 
In addition, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any further contact with me regarding this matter, except to confirm in writing that you will cease further collection efforts and/or to provide validation of the debt as required by law. 

Let this letter serve as a formal dispute and a demand for the following : 1 * Immediate cessation of all communication with me about the alleged debt.

2 * Cessation of any reporting or re-reporting of the account to credit bureaus until the dispute is resolved.

3 * A full investigation under 15 U.S.C. 1681i and a written explanation of your findings.

4 * A copy of any and all records you have regarding this account, including the original signed contract and any itemized statements.

5 * The chain of title on the debt, the entire purchase agreement, a complete details of the payment history on the debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX WA XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2024, Balance : {$3400.00} INQUIRIES : XXXX XXXX Date : XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Today, while checking my credit report as I normally do, I was alarmed to find inaccurate accounts listed. These discrepancies were sudden and unexplained. I attempted to reload the page thinking it was a temporary error, but the issue persisted. Therefore, Im requesting a detailed review of the documents Ive provided to ensure this doesnt happen again.

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 2025-06-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I logged into my online banking to wire funds from my trust savings account to a XXXX performing work on my house and the wire was flagged and I was asked to call XXXX. When I called I had to use my daughters phone to make the call because my phone was dead and the customer service representative told me a had to email a copy of my drivers license in for the fraud department to verify who I was. I requested information of why my account was being flagged and I was told only the fraud department could help me with this and they did not take incoming calls I would just have to wait for them to call me. The XXXX of the XXXX I emailed my DL as directed and that XXXX  since I had not heard from them I reached out again and spoke to XXXX, XXXX and then XXXX, a manager. Again no one could tell me anything just that there was good reason I was locked out of my online banking and I would have to continue to wait for the fraud department to reach out to me. When I shared I was not comfortable with receiving an income call regarding my banking not having the ability to identify who was on the other end of the phone I was told that was my only option and it could take XXXX hours, 3 business days from the time the account was locked. Here I am on the XXXX still no call from the fraud dept and XXXX calls into the XXXX number. Spoke with XXXX XXXX who assured me the fraud dept would contact me prior to end of business and still nothing. I am a XXXX XXXX XXXX XXXX XXXX  and have two accounts with this CIT Bank which I have been locked out of with no explanation. I am beside myself that a bank has the right treat clients this way and not have fraud department available to assist them.

Company response to consumer: Closed with explanation