vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
ADDITIONAL EXPERAIN, EQUIFAX, TRANSUNION FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$50000.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$10000.00}, XXXX XXXX  ( XXXX ) XX/XX/XXXX, {$4800.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$3400.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$200.00}, XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$440.00}, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$620.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$310.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$560.00} I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

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 2025-12-24 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXXXXXX 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 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 2025-12-24 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXXXXXX 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 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc.
State: MA

Complaint narrative:
I opened an Atlas credit card account and during signup a paid membership plan was pre-selected by default. A {$8.00} membership fee was posted as my current balance immediately. I have not consented to this membership and have not made any payment. 
When I attempted to cancel the membership, Atlas support implied that cancellation could negatively affect my credit score, which I believe is misleading and coercive. Canceling a membership should not affect credit reporting. 
I am requesting : 1. Immediate cancellation of the membership 2. Removal of the {$8.00} posted balance 3. Confirmation that my credit will not be negatively impacted Atlas Account info Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX My Email : XXXX Phone Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am sending this complaint today because the story reflected in my credit file does not accurately portray the reality of my financial history. Every account I have opened, every payment I have made, and every agreement I have honored has been part of a long journey toward financial stability and responsibility. Yet, several entries on my report currently present a version of events that is incomplete, inconsistent, and not aligned with how these accounts were actually managed. I am requesting corrections so that my report reflects the truth : these accounts were handled as agreed. As I reviewed my file, I noticed several accounts that do not reflect the accurate history of how they were handled. I would like to explain each one in detail, as each account represents a chapter in my financial life. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened:XXXX Date of Last Activity:XXXX Late 30 days XXXX XXXX not reported in XXXX and TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Tied up to open account XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} - Tied up to open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXTied up to open account My request is grounded in my rights under federal law, including CRA 611 ( 15 U.S.C . 1681i ), which requires a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate or incomplete information ; FCRA 623 ( b ), which requires furnishers to investigate disputed information ; and the billing accuracy protections under 15 U.S. Code 1666 and 1666a, which ensure that consumers are not misrepresented by errors or unverified adverse reporting. These laws exist to protect the accuracy of the story told by a credit report, and I am invoking them now to ensure that my financial narrative is presented truthfully. These accounts are not just numbers on a report ; they represent years of effort, discipline, and commitment to financial responsibility. When the information reported about them is inaccurate, it distorts the story of my financial life. I am asking for anything to be corrected only the information be so that it reflects the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am sending this complaint today because the story reflected in my credit file does not accurately portray the reality of my financial history. Every account I have opened, every payment I have made, and every agreement I have honored has been part of a long journey toward financial stability and responsibility. Yet, several entries on my report currently present a version of events that is incomplete, inconsistent, and not aligned with how these accounts were actually managed. I am requesting corrections so that my report reflects the truth : these accounts were handled as agreed. As I reviewed my file, I noticed several accounts that do not reflect the accurate history of how they were handled. I would like to explain each one in detail, as each account represents a chapter in my financial life. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened:XXXX Date of Last Activity:XXXX Late 30 days XXXX XXXX not reported in XXXX and TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Tied up to open account XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} - Tied up to open account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXTied up to open account My request is grounded in my rights under federal law, including CRA 611 ( 15 U.S.C . 1681i ), which requires a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate or incomplete information ; FCRA 623 ( b ), which requires furnishers to investigate disputed information ; and the billing accuracy protections under 15 U.S. Code 1666 and 1666a, which ensure that consumers are not misrepresented by errors or unverified adverse reporting. These laws exist to protect the accuracy of the story told by a credit report, and I am invoking them now to ensure that my financial narrative is presented truthfully. These accounts are not just numbers on a report ; they represent years of effort, discipline, and commitment to financial responsibility. When the information reported about them is inaccurate, it distorts the story of my financial life. I am asking for anything to be corrected only the information be so that it reflects the truth.

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 2025-12-24 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit reports by TransUnion and Experian regarding the following account : Account Name : XXXX XXXX/ XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$1200.00} Type : Collection / Debt Buyer The reported information contains multiple material inaccuracies : Inconsistent reporting : TransUnion lists the account as an " Open Factoring Company Account, '' while Experian lists it as a " Debt Buyer Collection Account. '' Incorrect dates : Experian reports a first delinquency date of XX/XX/year>, which predates the account opening date. 

Balance discrepancies : Both bureaus report a past due balance of {$1200.00}, which may not reflect actual payments or agreements. 

Misclassification of creditor type, which could affect my credit score and financial decisions. 

Incomplete payment information : Payments made or scheduled are not reflected accurately. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), which require credit reporting agencies to report accurate, complete, and verifiable information. 

Requested Resolution : I request the CFPB to require TransUnion and Experian to investigate and correct or delete this account immediately if it can not be fully verified. I also request confirmation of the outcome of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of multiple Department of EducationXXXX accounts on my credit report following my prior dispute. Despite my earlier complaint, these accounts each bearing similar identifiers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on either XX/XX/XXXX or XX/XX/XXXX, with balances ranging from {$1200.00} to {$4700.00} and a reported date of last activity of XX/XX/XXXX continue to reflect XXXX and XXXX late payment statuses that do not accurately reflect my payment history. After reviewing my records, I maintain that these accounts were managed responsibly and paid according to the agreed-upon terms, and the repeated reporting of severe delinquencies across multiple related accounts substantially misrepresents my creditworthiness and creates an unfair and misleading credit profile. This ongoing failure to correct inaccurate information violates my rights under the Fair Credit Reporting Act, including Section 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ), which impose a duty on furnishers to ensure maximum possible accuracy and to correct or delete information found to be inaccurate or unverifiable. Furthermore, the continued reporting of disputed and inaccurate billing information while the dispute remains unresolved is inconsistent with the consumer protections outlined in 15 U.S.C. 1666 and 1666a. Because the furnisher has failed to properly investigate and correct these errors after notice, I am requesting CFPB assistance to ensure compliance with federal law and accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding a Citi credit card account ending in XXXX that was opened as a result of identity theft. I did not open, authorize, or use this account for any purpose. I never applied for this credit card and have never made any purchases or payments on it. 

I first became aware of this fraudulent account when I reviewed my credit report in or around XX/XX/year>. Upon discovery, I immediately contacted Citi to report that I was a victim of identity theft. Since that time, I have disputed this account multiple times in writing and requested that Citi conduct a proper investigation and correct the inaccurate reporting. 

Despite my repeated disputes, Citi has failed to conduct a reasonable investigation. The bank continues to insist that the account was opened by me, yet has not provided any valid evidence, application records, or physical identity verification to support its claim. In addition, Citi has misspelled and incompletely recorded my full legal name on this account, which further demonstrates that the account was not legitimately opened by me. 

Although the account remains active with the bank and is currently past due, it has not yet been reported as delinquent. However, any reporting of past-due status is inaccurate, misleading, and harmful. I am not responsible for any charges, balances, or late payments associated with this account. 

I have filed an identity theft report and taken reasonable steps to protect my credit. However, Citi continues to ignore my identity theft claim and has failed to correct or remove the inaccurate information from my credit reports. 

I am requesting that Citi conduct a proper and lawful investigation, acknowledge that this account resulted from identity theft, permanently close the account, and remove all inaccurate and negative information related to this account from all consumer reporting agencies.

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 2025-12-24 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: AR

Complaint narrative:
I discovered fraudulent accounts 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 tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: ME

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX. I'm unaware of this debt, did they did not properly notify me, and they have the wrong birthday. Please provide certified mail with receipt displaying my signature. Please delete this debt off my account

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a inaccurate address on my report I've requested it b updated and they have yet to do so

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 2025-12-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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