vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
We had outstanding debt with XXXX XXXX XXXX ( see complaint id XXXX, as we believe this debt was sold to a debt collector after it had already been paid ). 

The debt in question was paid on XX/XX/scrub> 2025 ( see attached receipt ). Since the debt has been paid we have received multiple notices via mail from National Credit Systems attempting to collect on this same debt. I have uploaded proof of payment to the National Credit Systems website ( in accordance with instructions provided via mail and over the phone )XX/XX/XXXX once on XX/XX/scrub> 2025 and again on XX/XX/scrub>, 2025. 

However upon reaching out to confirm the debt has been resolved, they notified me that they had no evidence of our dispute and continue to attempt to collect this debt even though it has been paid and evidence of payment has been provided multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been experiencing problems with my credit report & have been asking for help from the XXXX ( XXXX ) credit bureaus : EXPERIAN : XXXX :XX/XX/XXXX : BUT have not receive any help until this day.and these accounts is hurting my credit report. Please am asking the credit bureaus to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been experiencing problems with my credit report & have been asking for help from the XXXX ( XXXX ) credit bureaus : XX/XX/XXXX : XXXX : TRANSUNION : BUT have not receive any help until this day.and these accounts is hurting my credit report. Please am asking the credit bureaus to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and/or completeness of information reported to the credit bureaus regarding my XXXXXX/XX/XXXXaccount, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX. 

Account Details : Creditor : XXXXXX/XX/XXXX Account Number : XXXX First Missed Payment : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Nature of Dispute : Upon review of my credit report, I have noticed information regarding this account that is inaccurate, incomplete, or unverifiable. 

Explanation : According to my records, the first missed payment occurred in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. However, there have been several other charge-off remarks since the initial one, with a pause between XX/XX/XXXX and resumption in XX/XX/XXXX. Please verify that the date of first delinquency and/or charge-off date is being reported accurately and in compliance with FCRA guidelines.

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 2025-11-11 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
A person by the name of XXXX XXXX XXXX began charging our checking account to pay their XXXX XXXX credit card. We did not notice the transactions as we have our own XX/XX/XXXXXXXX credit card and assumed it was our own card. We later discovered it was not our own card. Chase bank would not protect us from any of the charges as the first transaction occurred further back than XX/XX/XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$580.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXX DEPTED/XXXXI # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX  - Balance : {$15000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2025-11-11 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. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-11 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: NJ

Complaint narrative:
I am writing to formally request the immediate removal of derogatory marks from my credit report that are either inaccurate, outdated, or unverifiable. As a consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect, incomplete, or can not be verified. I believe that the following derogatory marks do not meet these standards, and I am requesting they be removed immediately to reflect accurate and fair credit information. 

XXXX. Account Name : [ XXXX XXXX ] Date of Derogatory Mark : [ XX/XX/XXXX ] Type of Derogatory Mark : [ Collection ] XXXX. Account Name : [ XXXX XXXX XXXX ] Date of Derogatory Mark : [ XX/XX/XXXX ] Type of Derogatory Mark : [ Collection ] XXXX. Account Name : [ XXXX XXXX XXXX ] Date of Derogatory Mark : [ XX/XX/XXXX ] Type of Derogatory Mark : [ Collection ] Given the legal obligations under the FCRA, I am requesting the immediate removal of these derogatory marks from my credit report. If you can not verify these entries within the required 30-day period, you must remove them from my credit report. Additionally, I request that you provide me with an updated copy of my credit report once the changes have been made. 

I appreciate your prompt attention to this matter and expect the derogatory marks to be removed immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: First Credit Services Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above. I have no agreement or direct relationship with your agency, and therefore I do not acknowledge this debt as valid or collectible by First Credit Services Inc I request that you provide a full validation of this debt, including : o A copy of the original contract or agreement with my signature o A complete payment history, including the original amount and any interest or fees Until you provide proper verification, you must cease all collection activity in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Additionally, this debt is being reported to the credit bureaus. As it is disputed and unverified, I formally request that First Credit Services Inc remove this account from my credit report immediately, as required by the Fair Credit Reporting Act ( FCRA ), if you can not validate it. 
Please respond to this request in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$380.00} XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX Balance {$42.00} XXXX XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$380.00} XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX Balance {$42.00} XXXX XX/XX/year> 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 2025-11-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Innovis and other consumer reporting agencies are reporting fraudulent accounts on their consumer report versions of me. These accounts include XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I did not open these accounts. They were created after my identity was compromised and after unauthorized individuals gained access to our financial and personal information. These accounts appeared only after the hacking incidents and documented misuse of our shared data. My husband and I are confirmed co victims of a multi-state level identity theft scheme. Unknown individuals accessed our financial accounts, added themselves to insurance and medical profiles, and opened credit accounts in our names. An unauthorized party was added to our SCDHHS account with a power of attorney document. This forged document gives them unlawful access to our personal and financial information. This enabled them to impersonate us, pass identity verification checks, and open accounts without our knowledge or consent. Law enforcement is actively investigating the individuals involved, and warrants are awaiting signatures ( as of today XX/XX/year> per XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The evidence is overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
XXXX ) Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The XXXX XXXX and XXXX accounts display conflicting payment histories and past-due amounts across all three bureaus, violating 607 ( b ). 2 ) Failure to Properly Reinvestigate and Delete Unverifiable Data FCRA 611 ( a ) [ 15 U.S.C. 1681i ] I submitted written disputes, yet unverifiable data remains. Under 611 ( a ) ( 5 ) ( A ), such data must be deleted within 30 days. 3 ) Continued Reporting of Disputed Information After Prior Disputes FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] The Navy Federal tradeline still displays derogatory data after prior dispute notations. 4 ) Misleading and Incomplete Reporting Closed and paid accounts should not continue showing late or derogatory remarks, which misrepresents my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
Hello, Im filing this complaint regarding fraudulent accounts/ inquiries that are still being reported on my credit report. I submitted proof of identity and documentation to all three credit bureaus, but they failed to remove or correct the accounts within the required time, isn't that illegal practice? Fraudulent items should be deleted within XXXX business days once verified. This ongoing inaccuracy has caused me EXTREME financial and emotional stress. Im requesting that the CFPB ensure the immediate deletion of all fraudulent accounts and confirmation of compliance by the credit bureaus. Unable to file identity theft report due to Government shutdown, also attempted to go to my local police dept as they were also unable to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, Im filing this complaint regarding fraudulent accounts/ inquiries that are still being reported on my credit report. I submitted proof of identity and documentation to all three credit bureaus, but they failed to remove or correct the accounts within the required time, isn't that illegal practice? Fraudulent items should be deleted within XXXX business days once verified. This ongoing inaccuracy has caused me EXTREME financial and emotional stress. Im requesting that the CFPB ensure the immediate deletion of all fraudulent accounts and confirmation of compliance by the credit bureaus. Unable to file identity theft report due to Government shutdown, also attempted to go to my local police dept as they were also unable to assist

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 2025-11-11 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:
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