vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IN

Complaint narrative:
Accuracy and XXXX XXXX XXXX XXXX XXXX made the following findings under the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX XXXX ( a ) ( XXXX ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

You have failed to comply with this responsibility. Therefore, I demand that you DELETE the following inaccurate item from my credit report : Bankruptcy XXXX This bankruptcy was fully XXXX and closed on XX/XX/year>, yet you continue to report it as a derogatory item. This violates FCRA XXXX, which prohibits the inclusion of outdated or irrelevant public records. There is no balance, no plaintiff, and no permissible purpose to continue reporting this information. 

You have failed to provide verifiable proof of continued legal accuracy or direct court documentation to justify this reporting. If you can not provide verified court validation proving current reportability, you are legally obligated to DELETE this record under federal law. 

Legal Violations Noted : XXXX XXXXXXXX XXXX XXXXXXXX Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00}, plus possible punitive damages and legal fees. 

XXXX XXXX XXXX XXXX Negligent Noncompliance : Any person negligent in complying with FCRA may be held liable for actual damages and the costs of legal action, including attorneys fees. 

Notice of Action : Pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I assert my right to privacy as a consumer. If this record is not deleted, I will file a small claims lawsuit in my local court seeking monetary damages. I have already submitted this matter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and the Federal Trade Commission for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Updated CFPB Complaint Credit Karma ( Credit Karma Money ) Summary of Complaint : I am filing a serious complaint against Credit Karma due to their gross mishandling of my account, which has directly resulted in my electricity being shut off and significant financial harm. 

I successfully updated my phone number with Credit Karma and verified my identity yesterday to restore access to my account. Despite this, my account is frozen again, and I was just told over the phone that my old phone number is still on file. I was further informed that I now have to repeat the entire identity verification process again, and the link is being sent to the old number I no longer have access to. 

I deposited {$500.00} on Sunday into my Credit Karma Money account to pay urgent bills most importantly, my electric bill, which I attempted to pay before the shutoff deadline. Because my funds were frozen, I couldnt make the payment. My electricity has now been officially shut off, and I must now pay {$280.00} to reconnection and penalty fees all because Credit Karma would not XXXX me access to my own money. 

This is financial abuse, plain and simple. I have never experienced such unprofessionalism and lack of accountability from a financial institution. Their broken system and refusal to resolve this quickly has caused : Loss of essential services ( electricity ) Additional financial penalties, Severe emotional distress and disruption to my life, Inability to pay for my U-Haul rental extension, adding to the chaos and stress. 



Would also like to add, that Ive been on hold for XXXX mins so far for them to look into why my phone number wasnt updated- when it is in the system. When I called, it recognized the phone number. A total of XXXX mins right now!! I will attach a screenshot. This is totally unacceptable. Ive also attached proof of me depositing money and then me trying to pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 IL XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : XX/XX/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 2025-06-12 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:
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!

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to dispute a bill with XXXX I already paid proof is below my ssn XXXX XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

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 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of : 1. XXXX - XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport. 
2. XXXX  - XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport.

3. XXXX - XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-12 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
SOFI Bank XXXX XXXX ( XXXX XXXX ) Account number # XXXX {$1800.00} is being held without reasoning. I need them to work with me to release the funds because I need the money. Its unreasonable for them to restrict the account and not move fast to release the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I've recently received a copy of my creda report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I've recently received a copy of my creda report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-12 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: MA

Complaint narrative:
I paid and yet there reporting a collection on my equifax from XXXX XXXX XXXX. I have proof please remove. So is transition as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Under FCRA 609 ( a ) ( 1 ), I am exercising my right to request complete validation of the following accounts. According to FCRA 611, if you can not verify these accounts within XXXX XXXX, they must be immediately deleted from my credit file.

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 2025-06-12 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: NC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX # XXXX XX/XX/year> -- {$74000.00}

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 2025-06-12 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX # XXXX XX/XX/year> -- {$74000.00}

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MS

Complaint narrative:
I am writing to formally dispute and demand the permanent deletion of the following account from my credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ) and improper credit reporting practices as defined under the Metro 2 Format Guidelines : Violations Identified : 1. Inaccurate Charge-Off History After Resolution : Despite the account being closed and paid in full by XX/XX/XXXX, the tradeline falsely reports Charge-Off status for at least XXXX  months post-payment. This is materially misleading and violates FCRA 1681e ( b ), which mandates the maintenance of accurate and fair consumer data.

2. Metro 2 Reporting Noncompliance : Per Metro 2 compliance standards, any charged-off account that has been paid in full must be updated with status code XXXX ( Paid in Full ; was a Charge-Off ). However, this account continues to show C/O entries, which is inaccurate and noncompliant with the XXXX XXXX XXXX XXXX XXXX XXXX ) guidelines. 
XXXX. Ongoing XXXX  Reporting Post-Closure and {$0.00} Balance : Reporting XXXX months of XXXX  status following resolution falsely implies ongoing unresolved debt activity, which violates both Metro 2 Field 17 rules and FCRA 1681i ( a ) ( 5 ) concerning unverified, outdated, or misleading data.

4. Missing Date of First Delinquency ( DOFD ) : The absence of the DOFD violates FCRA 605 ( c ) and makes it impossible to verify the accuracy of the accounts removal date ( currently listed as XX/XX/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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm filing this complaint against XXXX XXXX XXXX regarding a fraudulent auto loan account that appears on my credit reports. 

On XX/XX/year>, I discovered an auto loan for XXXX from XXXX XXXX on my credit report that I never applied for or authorized. This account appears as " Collection/Charge off '' with an outstanding balance of XXXX. I am a victim of identity theft and have filed an official report documenting this incident. 

On XX/XX/year>, I sent certified dispute letters to all three major credit bureaus ( TransUnion, Experian, and Equifax ) as well as directly to XXXX XXXX, attaching my identity theft report and requesting immediate removal of this fraudulent information. 

Despite my efforts, XXXX XXXX has : 1. Continued reporting this fraudulent account to credit bureaus 2. Failed to respond to my dispute within the required timeframe 3. Not provided verification of this debt 's legitimacy 4. Reported inconsistent information across different credit bureaus These actions have caused significant harm : My credit scores have dropped substantially ( currently between XXXX ) I've been denied financing and housing opportunities I've experienced considerable emotional distress I've attempted to resolve this issue directly with XXXX XXXX and the credit bureaus without success. I'm requesting CFPB intervention to ensure my consumer rights are protected and these violations are properly addressed. 

Also there are discrepancies and several errors on my credit report and I request correction or deletion of said incorrect information.

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