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

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

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 2025-06-06 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:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$6100.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: National Consumer Telecom & Utilities Exchange, Inc.
State: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
About XX/XX/XXXX or XXXX, the bank sent me a ViP card and I paid for the card and shipping charge. This is the XXXX card the XXXX XXXX card was lost in the mail and I paid for it. The bank manager took out {$20000.00} out of my account with our my permission and put it package and sent it out. I is in customs and so far I had to pay out {$790.00} for the package. It has not been delivered to yet because I paid every thing to customs and they will not release the package. The bank will not respond to me or the delivery company about this

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the following account on my credit report : - Creditor Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Paid in settlement ( Updated XX/XX/XXXX ) According to my credit file, this account is currently marked as Paid in settlement and contains a history of delinquencies, including entries that are more than 180 days late. While I acknowledge that the account has been resolved, I am requesting the removal of this account from my credit report based on the following grounds : 1. 1. Fair Credit Reporting Act ( FCRA ) Compliance - Accuracy and Fairness Under the FCRA Section 602 ( A ), consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy. This account, while resolved, may be continuing to harm my credit score disproportionately due to outdated or unfair negative marks, including the Paid in settlement status, which does not reflect the full context of my resolution with the creditor.

2. 2. Outdated Negative Information Most negative payment history can not be reported beyond 7 years. While this account is within that time frame, I am requesting an early exclusion as a goodwill gesture given the account was settled and no longer has a balance. I believe continued reporting serves no fair purpose to lenders or myself. 

3. 3. Goodwill Removal Request I respectfully request that XXXX XXXX XXXX remove this account from my credit report as a gesture of goodwill. I have worked diligently to rebuild my credit and believe that removing this item would reflect my efforts more accurately. 

Request Please investigate and remove this account from my credit report with all major credit bureaus ( Experian, XXXX XXXX XXXX ). If this request can not be granted, I ask for a detailed explanation in writing, including documentation used to verify the continued reporting. 

Thank you for your time and attention to this matter. I look forward to your favorable response within four ( 4 ) business days, as permitted under the FCRA for disputes requiring timely investigation and response. 

Sincerely, 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Kikoff, a data furnisher, for inaccurately reporting late payments on a closed account and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

The account in question with Kikoff was closed in XXXXXXXX However, Kikoff continues to report late payments for dates well after the account was closed, including : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is not just incorrectits deceptive and damaging to my credit report. I initiated a dispute with the credit reporting agency XXXX XXXX ), and while one correction was made for XX/XX/XXXX, Kikoff failed to correct or remove the clearly inaccurate late payment history from mid and late XXXXXXXX 



Violations of Federal Law Kikoffs actions directly violate the following provisions of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not provide information they know ( or should know ) is inaccurate.

FCRA 623 ( a ) ( 2 ) : If a furnisher learns information is incorrect or incomplete, they must promptly correct or delete it.

FCRA 623 ( a ) ( 5 ) : Furnishers must report the actual date of account closure, which Kikoff failed to reflect accurately.

Requested Actions I am asking the CFPB to investigate Kikoffs continued inaccurate furnishing of data and to : 1. Require Kikoff to delete all false late payment entries from XXXXXXXX XXXX XXXX XXXX 
2. Ensure Kikoff accurately updates the account status to reflect that it was closed in XXXXXXXX 
3. Hold Kikoff accountable for their repeated failure to provide accurate, verifiable data as required by the FCRA.

Kikoffs false reporting has unfairly damaged my credit profile, despite my good-faith effort to resolve the issue through a proper dispute. I am asking for the CFPBs support in enforcing federal credit reporting standards and protecting my consumer rights. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. 

These late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms. 

The Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate 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
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year> XXXX CARD Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

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 2025-06-06 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year> XXXX CARD Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief