vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding 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. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I was first informed about this matter on XX/XX/2025, via mail. My initial response, disputing the debt of {$1700.00} and requesting validation, was mailed on XX/XX/2025. I received no reply to this communication. 

My second dispute was submitted through the company 's online account portal on XX/XX/2025. Again, I received no response. 

A third attempt to dispute the debt occurred by phone on XX/XX/2025. During this call, the company agent disconnected after I requested both debt validation and the name and address of the original creditor. 

Subsequently, I mailed a debt validation letter via certified mail on XX/XX/2025, which was signed for on XX/XX/2025. No replies have been received from this communication either. 

Despite my repeated attempts to communicate, I have received no information on the debt from the collection agency. Furthermore, they have reported this debt to all three credit bureaus, and I have requested that these reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Name : CAPITAL ONE Account Number ( Last XXXX digits ) : XXXX ( Full account number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/year> Current Status : Derogatory Current Balance : {$470.00} Credit Bureau : XXXX  ( as seen in the attached screenshot ) I did not open this account, authorize any activity on it, or accrue this debt. The reporting of this account is the result of fraud and is therefore inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * BANK OF AMERICA XXXX XXXX Regarding : * * BANK OF AMERICA XXXX Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way BANK OF AMERICA is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by BANK OF AMERICA- The account reported positively for a period of time. 

- After I became delinquent, BANK OF AMERICA charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-10-20 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:
The item listed is inconsistent with my financial conduct and appears inaccurate. Kindly investigate and make the appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: WI

Complaint narrative:
am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 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 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate addresses currently listed on my Experian consumer report, specifically XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which have been reported without my authorization and without any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs permissible purposes for reporting consumer information, and 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information reported ; I demand that Experian immediately remove these unauthorized addresses from my credit file and provide me with an updated credit report reflecting these changes within XXXX  days of your investigation, as required by law ; in addition, during my call with an Experian agent, I was advised to file a complaint with the CFPB to ensure the deletion of these addresses, and I have already included them in the dispute process.

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 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent dispute letters addressing this issue and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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
Consumer complaint received 2025-10-20 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: 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
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-20 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
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kikoff Inc.
State: GA

Complaint narrative:
I submitted formal Section XXXX dispute letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/year>, regarding several inaccurate, unverifiable, or outdated accounts appearing on my credit reports. These letters requested full verification of the accounts through original signed contracts and legal documentation, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite allowing the full XXXX response window, none of the bureaus have provided legally required validation. As of XX/XX/year>, the following accounts remain on my reports without verified documentation : Kickoff Late Payments ( Account Paid in Full ) XXXX XXXX Late Payments ( Account Still Open ) XXXXXXXX XXXX XXXX XXXX Late Payments ( Closed Account ) XXXX Loan Servicing Late Payments ( Closed Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Eviction ) XXXX Each of these accounts was formally disputed with each bureau and accompanied by proof of identity and address. No valid documentation has been received to confirm their accuracy, violating my consumer rights under FCRA Section XXXX and XXXX. 

This delay and failure to verify, or remove these accounts within the legally allowed timeframe, is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
This is a formal request for investigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy and completeness of several Affirm Inc accounts appearing on my credit report, which are reported inaccurately and unverifiable. 
The following Affirm accounts are disputed : XXXX. Affirm Inc Account # XXXX XXXXeported as charged off ( {$650.00} written off, {$650.00} past due ) XXXX. Affirm Inc Account # XXXX reported as charged off ( {$130.00} written off, {$130.00} past due ) XXXX. Affirm Inc Account # XXXX reported as XXXX days late ( XXXXXXXX XXXX  ) These accounts contain multiple factual and legal inaccuracies, violating the following provisions of federal law : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy in consumer reports.

FCRA 611 ( a ) : Failure to conduct a proper reinvestigation of disputed information.

FCRA 609 ( a ) : Failure to provide full disclosure of sources and methods of verification.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known, or reasonably known, to be inaccurate.

Affirm is a Buy Now Pay Later ( BNPL ) company, not a traditional credit lender. The inconsistent reporting of these accounts across credit bureaus demonstrates that these items are unreliable and unverifiable. I demand immediate reinvestigation and deletion of these entries unless you can provide original signed documentation proving their accuracy. 
Under FCRA 611 ( a ) ( 1 ), you are required to complete your reinvestigation within 30 days and provide written results. If verification can not be obtained, these accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Failure to comply may constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, both of which permit actual and statutory damages, as well as attorneys fees.

This notice is not a refusal to pay but a good-faith request to correct or delete inaccurate data in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am a verified identity theft victim. My personal data was exposed in multiple breaches ( Equifax, XXXX XXXX XXXX XXXX XXXX XXXX , Experian ) and used to open fraudulent accounts and inquiries across all three credit bureaus. I placed fraud alerts and submitted disputes, yet unvalidated tradelines remain. Attached is my sworn Identity Theft Affidavit and evidence package detailing each account and violation for immediate block and deletion under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am a verified identity theft victim. My personal data was exposed in multiple breaches ( Equifax, XXXX XXXX XXXX XXXX XXXX XXXX , Experian ) and used to open fraudulent accounts and inquiries across all three credit bureaus. I placed fraud alerts and submitted disputes, yet unvalidated tradelines remain. Attached is my sworn Identity Theft Affidavit and evidence package detailing each account and violation for immediate block and deletion under FCRA 605B.

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