vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to ongoing issues involving inaccurate reporting, unauthorized credit inquiries, and failure to adequately investigate and correct disputed information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

Despite multiple formal written disputes and requests for reinvestigation, the following items remain unresolved : Consumer Portfolio Services These accounts are inaccurately reporting as potentially negative and include derogatory payment history that has not been verified. I have not received any documentation such as a signed contract, payment ledger, or billing statements that prove these accounts are accurate or valid. 

XXXX XXXX XXXX XXXX XXXX XXXX I never authorized this debt or received any verification. No documentation or written proof has been produced, and I believe this tradeline XXXX be the result of identity theft. 

Unauthorized Hard Inquiries Multiple inquiries were made by companies such as Ally Financial, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and others on XX/XX/XXXX and XX/XX/XXXX without my consent. Under FCRA XXXX ( f ), these were conducted without a permissible purpose or my written authorization. 

Failure to Provide Full XXXX XXXX I requested a full file disclosure pursuant to FCRA XXXX. I have not been provided with complete source documentation, method of verification, or a description of the reinvestigation procedures. 

Data Breach Concerns As a victim of the Equifax and XXXX data breaches, I suspect that some accounts or inquiries were the result of identity theft. Under FCRA XXXX, I requested that these accounts be blocked pending verification, but they remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 to dispute a charge-off entry that is currently being reported on my credit file by EquifaxXXXX XXXX XXXX XXXX  for XXXX account listed as XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/year>, and a balance of {$0.00}. This entry is both inaccurate and misleading, and it should not appear on my credit reports in its current form or at all. 

According to all three bureaus, this account reflects a {$0.00} balance, which confirms that the debt has either been settled, paid in full, or otherwise resolved. Despite this, the account is still being labeled as a charge-off, which is a derogatory status that unfairly suggests a loss was incurred or the account was defaulted in a way that remains unresolved. If the balance is {$0.00}, there is no justification for continuing to report the account as charged-off particularly in the absence of any documentation verifying that the account was ever properly delinquent or charged off in the first place. 

As someone who takes their credit profile seriously and monitors it regularly, I find this entry damaging and irresponsible. It misrepresents my financial behavior and negatively impacts my score, which directly affects my ability to access credit, housing, and other essential services. Furthermore, I have never been provided with any written verification from XXXX or any of the credit bureaus that substantiates this charge-off designation. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required under 15 U.S.C. 1681e ( b ) to maintain information with the maximum possible accuracy. Additionally, 15 U.S.C. 1681i mandates that a credit bureau must conduct a thorough reinvestigation of any disputed item and remove it if it can not be verified. In this case, all three credit bureaus have failed to demonstrate compliance with either of these obligations. 

The continued presence of a $ XXXX charge-off without any supporting documentation from XXXX and no explanation of the resolution is a clear violation of federal reporting standards and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} INQUIRIES : 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  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 2025-06-30 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I regularly monitor my credit report because my credit score is important to me, yet I continue to see inaccurate and false information. This has been a recurring issue that remains unresolved, despite my repeated efforts to have it corrected. Its incredibly stressful and exhausting, and its unfairly damaging both my credit score and my quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-30 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 writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately. 

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable.

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 2025-06-30 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: FL

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 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 2025-06-30 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:
I obtained a copy of my credit report and noticed that several fraudulent accounts were being reported negatively on my credit report. 

I wrote a letter to Equifax, Transunion, and Experian about this inaccurate information reporting to my credit file and requested that they investigate it and remove the inaccurate items. 

I mailed the letter off on XX/XX/year>XXXX  along with my FTC reports and I still have not received any contact back from either credit buaeru and the items are still reporting negatively to my credit file. It has been past 30 days which by law they are supposed to respond to my letters. 

All the items that are reporting negatively on my account need to be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I recently found several charge accounts and credit inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to. As of XX/XX/XXXX, my credit report reflects multiple credit card accounts and inquiries that I never applied for none of which are mine. This fraudulent activity has caused me significant distress and is clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX XXXX ( Account # XXXX ) credit card, opened on XX/XX/XXXX XXXX XXXX XXXX ( Account # XXXX ) credit card,, opened on XX/XX/XXXX ; XXXX XXXXXXXX account, opened on XX/XX/XXXX ; XXXX, charge account XXXX opened on XX/XX/XXXX ; XXXX  ( Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX XXXX  Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX XXXX XXXX Charge account, opened on XX/XX/XXXX XXXX XXXX, Charge account, opened on XX/XX/XXXX ; XXXX, Credit Card, opened opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Charge account XXXX opened on XX/XX/XXXX ; XXXX, Credit Card, opened XX/XX/XXXXXXXX XXXX, Charge account, opened XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Collection opened XX/XX/XXXX ; XXXX, Credit card, opened XX/XX/XXXXXXXX XXXX XXXX Credit card, opened on XX/XX/XXXX ; XXXX, Charge account, opened on XX/XX/XXXX ; XXXX BANK XXXX, Credit card, opened on XX/XX/XXXX ; XXXX XXXX XXXX, Collection, XXXX XXXX XX/XX/XXXX. 

Besides, on my report, are differents inquiries that I never consented and authorized, it is a confirminf of the identity theft. There are : XXXX inquiried on XX/XX/XXXX ; XXXX XXXX inquiried on XX/XX/XXXX ; XXXX inquiried on XX/XX/XXXX ; XXXX  inquiried on XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I recently found several charge accounts and credit inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to. As of XX/XX/XXXX, my credit report reflects multiple credit card accounts and inquiries that I never applied for none of which are mine. This fraudulent activity has caused me significant distress and is clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX XXXX ( Account # XXXX ) credit card, opened on XX/XX/XXXX XXXX XXXX XXXX ( Account # XXXX ) credit card,, opened on XX/XX/XXXX ; XXXX XXXXXXXX account, opened on XX/XX/XXXX ; XXXX, charge account XXXX opened on XX/XX/XXXX ; XXXX  ( Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX XXXX  Account # XXXX ) Charge account, XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX ; XXXX ( Account # XXXX ) Credit card XXXX opened on XX/XX/XXXX XXXX XXXX Charge account, opened on XX/XX/XXXX XXXX XXXX, Charge account, opened on XX/XX/XXXX ; XXXX, Credit Card, opened opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Charge account XXXX opened on XX/XX/XXXX ; XXXX, Credit Card, opened XX/XX/XXXXXXXX XXXX, Charge account, opened XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Collection opened XX/XX/XXXX ; XXXX, Credit card, opened XX/XX/XXXXXXXX XXXX XXXX Credit card, opened on XX/XX/XXXX ; XXXX, Charge account, opened on XX/XX/XXXX ; XXXX BANK XXXX, Credit card, opened on XX/XX/XXXX ; XXXX XXXX XXXX, Collection, XXXX XXXX XX/XX/XXXX. 

Besides, on my report, are differents inquiries that I never consented and authorized, it is a confirminf of the identity theft. There are : XXXX inquiried on XX/XX/XXXX ; XXXX XXXX inquiried on XX/XX/XXXX ; XXXX inquiried on XX/XX/XXXX ; XXXX  inquiried on XX/XX/XXXX 2024

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Bank of America credit card was stolen on XX/XX/XXXX, I filed a claim with the fraud department at BOA. I provided all relevant documentation substantiating the theft, including the police report which clearly stated my Bank of America credit card was stolen as well as XXXX other credit cards, cash, a {$30000.00} XXXX watch, and my phone with all my passwords and pin identifications.

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 2025-06-30 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: GA

Complaint narrative:
I am submitting this complaint to dispute an inaccurate name currently listed on my Equifax credit report. According to my file, Equifax is reporting the former name : XXXX XXXX XXXX. 

This name is inaccurate and should not be associated with my credit file. My only legal name is XXXX XXXX I have never legally used the middle initial D in any variation of my name for any official, financial, or credit-related purposes. This is a clear example of misreporting that creates confusion and can potentially lead to identity verification issues. 

I have worked hard to ensure my credit file is accurate and well-maintained, and I monitor it regularly to avoid inconsistencies like this. Inaccurate names can interfere with credit applications, employment background checks, and other identity-based processes. There is no verifiable record or documentation tying me to the name XXXX XXXX XXXX, and Equifax has provided no such evidence. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated under 15 U.S.C. 1681e ( b ) to maintain and report information with the maximum possible accuracy. Additionally, I have the right under 15 U.S.C. 1681i to dispute any item that can not be verified or substantiated. This former name does not meet those standards and should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately. 

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
After review my reports account XXXX XXXXXXXX was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief