vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-17 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I had purchased a vehicle from XXXX XXXX XXXX a XXXX XXXX XXXX. I obtained a loan from XXXX finance for {$10000.00} upon having the vehicle and made XXXX payments and the engine Completely failed on the vehicle and could XXXX XXXX it. So exerter repossess the vehicle and charged off the debt.then a another co ncb mgmt picks up the debt to collect which is illegal XXXX XXXX XXXX should be responsible for this debt.It was their vehicle that had recalls on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
My credit has been checked almost non stop from different companies. Its destroying me. I dont understand whats going on!

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Some one stole my identity while I was incarcerated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
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 2025-04-17 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: MS

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 2025-04-17 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: MS

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 non-monetary relief
Consumer complaint received 2025-04-17 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against MOHELA ( Higher Education Loan Authority of the State of Missouri ), XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-17 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: NY

Complaint narrative:
I am filing this complaint as a consumer against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and federal consumer protection standards under XXXX. On XX/XX/XXXX, I submitted a formal dispute requesting the deletion of a Bank XXXX XXXX account ( partial account number : XXXX * * * * * * * * ) from my credit report due to multiple factual errors, inconsistencies, and reporting omissions. 

Upon review, I discovered several discrepancies when comparing Equifaxs report with TransUnion and Experian, including : Misreported High Balance : {$4900.00} on Equifax vs. {$5200.00} on other bureaus XXXX XXXX XXXX : {$0.00} reported instead of {$4900.00} Last Payment and Activity Dates do not match between bureaus Contradictory Creditor Remarks : Equifax combines inconsistent comments Missing payment history after XX/XX/XXXX Discrepant account classification No documentation or method of verification disclosed despite request These errors directly violate the following provisions of federal law : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete unverifiable or inaccurate data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing known inaccurate information 15 U.S.C. 1681b Reporting beyond permissible purpose 15 U.S.C. 1681i ( a ) ( 7 ) No disclosure of method of verification 15 U.S.C. 1601 ( TILA ) Misreporting of credit limit affects utilization ratios UDAAP Misleading reporting constitutes abusive practice These issues are compounded by a lack of transparency and failure to follow dispute procedures. My request for investigation and supporting documents was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent inquiries on my report that i did not authorize.

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 2025-04-17 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: MS

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
b"On XXXX XXXX, Citibank unepectedly blocked my checking account without providing a reason. The very next day, led to be deposited into that account. For weeksthrough XXXX and halfway into XXXXCitibank repeatedly told me they did not have my refund check. I spent significant time going back and forth between Citibank, other banks, and the IRS, trying to track down my refund.\n\nEventually, I discovered that Citibank had been holding my tax refund the entire time, while my account remained blocked. From XXXX XXXX  until the past week XXXX XXXX, I was unable to access my funds. After the account was closed, I was told I would receive my refund on XXXX XXXX, but then was informed I would have to wait another 60 days. When I threatened to contact the media and a lawyer, Citibank claimed they would expedite the process, but I still have not received my refund. Every time I call, I get a different answer and no clear information about my account status or the whereabouts of my money. I need help.\n\nMy account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey've been holding my check since XXXX XXXX XXXX XXXX  still have no answers.And I get told a different thing.And I don't have my check and they won't send it back to the I.R.S"

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 2025-04-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Deletion XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced account appearing on my XXXX  credit report. The information being reported contains several inconsistencies and errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

List of Inaccuracies : The date opened is inconsistently reported as XX/XX/XXXX on XXXX while TransUnion reports XX/XX/XXXX. 
The credit limit and high credit are both {$0.00}, despite TransUnion clearly listing the high credit as {$520.00} and credit limit as {$300.00}. This misrepresents the actual terms of the account. 
The monthly payment is inaccurately reported as {$0.00}, which misleads the reporting of a revolving credit card. 
The account status is listed as charged off and transferred/sold, which presents a contradiction. An account can not be simultaneously charged off and transferred/sold without proper documentation.

The payment history on XXXX does not properly reflect the final payment activity or charge-off timeline in comparison to other bureaus. 
The date of last payment is XX/XX/XXXX, and the last reported date is XXXX the date last active is also reported inaccurately as XX/XX/XXXX, which needs clarification and verification. 

FCRA Violations Involved : FCRA 1681e ( b ) : XXXX is required to report only accurate and complete information. The discrepancies above show failure to do so.

FCRA 1681i : As a consumer, I am entitled to a proper reinvestigation of any disputed item within 30 days.

FCRA 602 : The law promotes fair and equitable treatment of consumers with regard to credit reporting.

Due to the material inconsistencies, contradictions, and unverifiable nature of this account, I demand the immediate deletion of this XXXX account from my XXXX credit report.

Please provide a written response confirming the results of your reinvestigation within 30 days, per federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
The following accounts are not mine and were open without my consent : Account name-XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : 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 2025-04-17 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: SC

Complaint narrative:
The following accounts are not mine and were open without my consent : Account name-XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: CA

Complaint narrative:
Hello. I am on of the XXXX XXXX student loan borrowers that had my loans deferred and found out my XXXX XXXX dropped through a third party, only to find my loans were now on repayment but delinquent. My XXXX XXXX went from XXXX to XXXX in a matter of days. I think I am a little different in that I was able to have my loans current as soon as I found out, and am able to continue to pay my loans back. 
The issue is the XXXX XXXX dropping XXXX points in a matter of days without proper notification or calls + the news/president/studentaid federal agency in confusion with how they are handling all this making borrowers confused even more. 
I understand that communication is an issue everywhere, and vital in all aspects of our life. But as a consumer of ths XXXX, having XXXX XXXX drop XXXX in a matter of days without proper notification makes me desperate and without any hope, and on the verge of life crisis.

Company response to consumer: Closed with explanation