vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXXXXXX

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 2025-07-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
Despite having an active security freeze on my LexisNexis account as allowed by Nevada law, credit bureaus were able to access and report my bankruptcy information. LexisNexis failed to enforce the freeze, directly violating my privacy rights and the intended protections under XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 

Additionally, I have attached a letter from the United States Bankruptcy Court confirming it does not report information to credit bureaus. This persistent reporting is negatively affecting my ability to secure housing and employment opportunities.

I repeatedly requested LexisNexis to explain how my information was accessed despite the freeze and what measures they would implement to resolve and prevent further unauthorized access. As of XX/XX/year>, I have not received an adequate response or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Recipients : XXXX XXXX XXXX XXXX To Whom It May Concern : I am attaching a copy of FTC Identity Theft Report # XXXX that was filed on XX/XX/year>. There is also a police report that has been submitted to you by my husband XXXX XXXX. 

On XXXX, we discovered that we were the victims of bank fraud, identity theft, digital fraud or all three. I don't even know what this is being classified as. All I know is that my son had {$3000.00} stolen from his bank account ( which was returned to him within hours ) and that we had {$52000.00} stolen from our bank accunt ending in XXXX. Two transactions in the amounts of {$25000.00} and {$27000.00} were done by someone who opened a savings account ending in XXXX in my husbands name, tranferred the funds to that account, then transferred the funds out of that account to another account ending in XXXX. That is the information we can see from the transactions online. A representative from Bank of America that XXXX that the person who did this was in Texas, and has the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We do not know this person, and have never heard of them. We also do not know how this person could have obtained our banking information, nor do we know how in the world he was able to open a bank account in my husbands name in different state than where he/we have banked for over 40 years. 

However, we were quick to see this fraud, because this is our entire life 's savings. My husband spent many hours on hold with Bank of America 's representatives, who assured him that our FDIC insured money would be returned to us within 10 business days. After 10 harrowing, nerve-wracking, sleepless business days and nights, we called the bank again after seeing that our money still had not been returned. Imagine our shock and horror when we were told that our claim had been denied. Why? How could this be? 

My husband has spent countless hours on the phone with Bank of America to try to get resolution on this breach of security, as well as having two in-person meetings at the branch and still we are without our hard earned money that was stolen from us because of a breach of security. 

We have banked with you for 30 years and my husband has banked with you personally for 40 years. This is unacceptable. Banks have a responsibility to protect customer funds. Wrongfully withholding or delaying access to funds is unethical and a violation of regulations. 

We will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) as well as getting private legal representation if we do not get prompt resolution and our funds returned to us. 

XXXX XXXX XXXX XXXXXXXX

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 2025-07-23 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: NY

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX 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 2025-07-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am requesting that all of the following fraudulent accounts and inquiriesresulting from identity theftbe immediately and permanently deleted from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws : Fraudulent Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX I have already provided all

required documentation under FCRA 1681c2, including : A valid FTC Identity Theft Report A copy of my government-issued ID Proof of my address Copy of my Social Security card Identification of the fraudulent accounts I am requesting the following resolution : That the credit reporting agency blocks and deletes all listed fraudulent accounts and related inquiries within the 4-business-day timeframe mandated by 15 U.S.C. 1681c2. That a corrected and updated copy of my credit report is sent to me as confirmation of compliance. That no stall letters or generic third-party-related responses be sent, as this dispute is directly from me, the consumer, and no third-party company is involved. Failure to remove the fraudulent information will result in escalation to the CFPB, FTC, XXXX, and the State Attorney Generals Offices, and may result in legal action for continued violation of my rights under federal law.

My goal is for my credit report to reflect only accurate and authorized information, and that all records related to identity theft be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MN

Complaint narrative:
I have previously disputed witXXXX XXXX XXXX XXXX XXXX XXXXegarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I filed out two identity theft reports through the ftc demanding equifax to block ally financial from reporting on my credit profile. FCRA 605b says they have to block this information within 4 business days of being notified that i am a victim of identity theft yet they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX XXXX and the three credit bureaus ( Experian, Equifax, and TransUnion ) for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including 611, 623 ( a ) ( 2 ), and 623 ( b ), due to failure to validate, incorrect updates, and continued negative reporting after certified disputes. 



On XX/XX/XXXX, I sent certified dispute letters to XXXX XXXX XXXX XXXX and all three credit bureaus requesting validation of an auto loan tied to a vehicle involved in a fatal accident in XXXX. The vehicle was fully insured, and XXXX XXXX communicated with the insurance company directly. 



Despite receiving my dispute and supporting documentation, XXXX XXXX never mailed a response or provided proper validation of the alleged debt. Instead, they continued to furnish derogatory information, including updating the payment history on XX/XX/XXXX, and adding re-aged data retroactively a direct violation of FCRA requirements. 



Additionally, all three credit bureaus verified the account without providing supporting documentation, violating FCRA 611. These bureaus failed to conduct a reasonable investigation, and none of them mailed a proper outcome or validation response to my address. 



XXXX XXXX has only responded to my disputes via email and has not fulfilled their legal obligations to validate the debt or stop reporting false, unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$700.00} ( XXXX {$100.00} bills ) at an ATM located inside branch at XXXX XXXX XXXX, XXXX XXXX, XXXX. After successfully authenticating my card and selecting the withdrawal amount, the ATM displayed an error message in red stating that the receipt could not be printed due to a missing registered email address. The machine released my debit card, but no cash was dispensed, and there was no indication that the transaction was being processed. 

Assuming the transaction had failed, I left the ATM but remained near the branch and immediately contacted customer service. After speaking with a representative, I returned to the ATM approximately XXXX minutes later to check whether the cash had been released. However, the dispenser was closed and no cash was available. 

Despite not receiving any funds, {$700.00} was debited from my account. I submitted two disputes with the following reference numbers : - * * XXXX * * - * * XXXX * * In my second dispute, I formally requested access to security footage from the ATM and branch, which would confirm that I did not receive, collect, or take possession of any cash at any time during or after the transaction. 

To date, the only confirmation provided by the bank is that the ATM processed the debit. The investigation has not considered the possibility of a mechanical failure preventing the cash from being rolled back into the machine, nor whether the cash may have been dispensed during another user 's transaction. 

I respectfully request the Consumer Financial Protection Bureau to intervene and urge Citi to provide ATM and XXXX XXXX XXXX XXXX for XXXX, which may corroborate that I did not receive, collect, or take possession of any cash.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: FL

Complaint narrative:
I am sending notices to my creditors that I no longer am able to pay on the massive credit card debts that have accumulated over the past several years. I request a cease and desist on all phone calls to my cell phone, and that all communications be sent to my home address only. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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