vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: OR

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current. 

Previous Addresses Listed : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Charged Off Accounts XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$8500.00} XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4100.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Dispute Reason : These accounts are not reporting consistently across all bureaus and appear inaccurate or unverifiable. Please conduct an investigation and provide documentation or remove the accounts if unverifiable. 

Inquiries ( None Listed ) Dispute Request : Please confirm that no unauthorized inquiries exist and that all reporting complies with the FCRA. 

Late Payments XXXX Bank Account # XXXX Dispute Reason : I request verification and supporting records for the reported late payment ( XXXX ). If none can be provided, please update the payment history to reflect Paid on Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inconsistent and unacceptable handling of my XXXX  XXXX account review. After my approval, I complied fully with your documentation request. Despite being informed that the review process would take several weeks, the account was abruptly closed within days. 
This contradicts the information I was given and raises concerns about procedural transparency. I request an immediate investigation and a detailed response.

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with XXXX  regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX  data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by XXXX  and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by XXXX  and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX  about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) XXXX, EXPERIAN AND TRANSUNION-

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I am filing a complaint regarding an obsolete and inaccurately reported Chapter 7 bankruptcy that the credit bureaus refuse to delete.\n\nThe bankruptcy (XXXX XXXX was filed on XXXX XXXX XXXX  and discharged on XXXX XXXX XXXX. Under FCRA 605(a)(1), a XXXX XXXX bankruptcy may only be reported for XXXX  years from the filing date, which means the mandatory deletion date was XXXX XXXX XXXXToday is beyond that legal reporting period. The bankruptcy is now obsolete and must be removed.\n\nDespite multiple disputes with XXXX, XXXX, and TransUnion, the bankruptcy remains and is being reported inconsistently and inaccurately, including:XXXXThese variations violate FCRA 607(b) due to conflicting docket numbers, inconsistent court names, and a lack of accuracy or verifiability.\n\nI am requesting CFPB enforcement because the credit bureaus are refusing to delete an obsolete public record that is past the legal reporting time limit, inaccurate, and unverifiable, which violates FCRA 605(a)(1), 607(b), and 611(a)(5).'

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'I am filing a complaint regarding an obsolete and inaccurately reported XXXX XXXX bankruptcy that the credit bureaus refuse to delete.\n\nThe bankruptcy XXXX XXXX was filed on XXXX XXXX XXXX and discharged on XXXX XXXX XXXX. Under FCRA 605(a)(1), a XXXX XXXX  bankruptcy may only be reported for XXXX  years from the filing date, which means the mandatory deletion date was XXXX XXXX XXXXToday is beyond that legal reporting period. The bankruptcy is now obsolete and must be removed.\n\nDespite multiple disputes with Experian, XXXX, and XXXX, the bankruptcy remains and is being reported inconsistently and inaccurately, including:XXXXThese variations violate FCRA 607(b) due to conflicting docket numbers, inconsistent court names, and a lack of accuracy or verifiability.\n\nI am requesting CFPB enforcement because the credit bureaus are refusing to delete an obsolete public record that is past the legal reporting time limit, inaccurate, and unverifiable, which violates FCRA 605(a)(1), 607(b), and 611(a)(5).'

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 2025-12-03 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: AZ

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 2025-12-03 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: NV

Complaint narrative:
I am disputing these accounts because I never opened them, nor did I authorize anyone else to do so. Please review the details thoroughly and proceed with their removal. Documentation is provided for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
On XX/XX/year>, XXXX purchases were made at a XXXX XXXX store using my Bank of America XXXX credit card. I did not make those purchases. When I reported this credit card fraud to Bank of America, they initially credited my account. However, after the Bank of America 's " research '', they denied my claim on XXXX purchases, for the amount of {$3100.00}, while accepting my claim for the other XXXX purchases. This denial was based upon Bank of America stating that the XXXX XXXX merchant provided " documentation '' that I had received the merchandise or services. I did NOT receive any merchandise or services from any XXXX XXXX establishment on XX/XX/year>, and I have not even been in a XXXX store for approximately XXXX years. I never received the merchant 's " documentation ''. Additionally, any reasonable person would deduce that all XXXX purchases were made by the same individual, on the same day, at the same XXXX XXXX. Nevertheless, Bank of America still maintains that I made XXXX of the purchases, but not the other XXXX. Finally, I requested that the Bank of America " investigators '' simply ask the merchant to describe the individual who made the purchases, so that I could prove that I was not the individual described by the merchant, by providing a photograph of myself. To the best of my knowledge, that simple " test '' of the merchant 's assertion was not made.

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 monetary relief
Consumer complaint received 2025-12-03 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: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding an account listed on my credit report from Cavalry Portfolio Services. I believe this account has been reported in error, as I have no affiliation with this account or any debt associated with it. 

Details of the Complaint Creditor Name : Cavalry Portfolio Services Account Number : XXXX XXXX XXXX XXXX XXXX Date of Account Reporting : XXXX Grounds for Complaint Lack of Affiliation : I have never had any financial dealings or agreements with Cavalry Portfolio Services. 
Unauthorized Debt Transfer : I did not consent to any debt being sold or traded to Cavalry Portfolio Services, which I understand is a debt collection agency. 
Potential Identity Theft : The presence of this account on my credit report constitutes a potential case of identity theft, as I did not incur this debt. 
Relevant Legal References This complaint is also supported by the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 609 ( 15 U.S.C. 1681g ) : This section grants consumers the right to request and obtain all information in their credit file.

Section 623 ( 15 U.S.C. 1681s-2 ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. 
Section 605 ( 15 U.S.C. 1681c ) : This section outlines the limitations on reporting information, particularly regarding the accuracy and integrity of credit information. 
Request for Action I kindly request that the CFPB investigate this matter and take the following actions : Investigate the Account : Look into the legitimacy of the account reported by Cavalry Portfolio Services. 
Remove Inaccurate Information : Ensure that this account is removed from my credit report if found to be erroneous. 
Prevent Future Issues : Provide guidance on how I can protect myself from potential identity theft and ensure my credit report remains accurate. 
Conclusion Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. Please feel free to contact me at the above-listed phone number or email for any further information or clarification. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate or unverifiable information appearing on my Equifax credit report. 

Charged-Off / Collection Accounts : XXXX  XXXX Account # XXXX Opened XX/XX/XXXX {$0.00} balance XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$0.00} balance XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX {$850.00} These accounts are either outdated, inaccurately reported, or unverifiable. Please provide full verification from the original creditor or delete these accounts under FCRA 611 ( 15 U.S.C. 1681i ). 

Inquiries : ( There are no inquiries listed from my records, but please review for any unauthorized or inaccurate inquiries and remove them if found. ) Late Payment : XXXX  XXXX Account # XXXX This account is reporting an inaccurate late payment. Please verify or remove this entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: OK

Complaint narrative:
XX/XX/XXXX : Certified mail dispute USPS mailed to debt collector and Experian. Can provide tracking # upon request. 

XX/XX/XXXX : Certified mail dispute USPS mailed to Experian : Request to Remove all old and inaccurate addresses .. Current address was provided. Can provide tracking # upon request. 

XX/XX/XXXX : Online disputes submitted, Second request to remove old information : six ( 6 ) name variations, not able to add a personal statement due to invalid options, employees disputed, balances on sold accounts. Stop reporting to all credit bureaus, and do not sell or transfer the debt. Ownership unclear, balance inflated, wrong dates, and info. Inaccurate ownership, same debt occurs twice, wrong SSN reported.No investigation occurred, and not proof provided. Action taken : Some personal information removed and account information reinserted or verified without a proper investigation or documentation proof. 

Experian on XX/XX/XXXX : Online response emailed. Action taken : verified and information changed without the requested proof. 

Experian on XX/XX/XXXX : Online response emailed. Action taken : verified and information changed without the requested proof. 

Experian on XX/XX/XXXX : Online response emailed : Action taken : verified and information changed without the requested proof.

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