vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me. Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. Upon reviewing a copy of my credit report, I have identified the following item
( s ) that contain inaccuracies : The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

Identity Theft XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX XXXX XXXX- Please remove it from my credit report. 

Identity Theft XXXX XXXX - Please remove it from my credit report.

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 2025-11-24 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 have no relation to these accounts ; please delete them within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-24 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: VA

Complaint narrative:
I am disputing the accuracy and completeness of the following charged-off accounts reported by Experian. The information being furnished does not reflect complete, verifiable, or accurate data as required under the FCRA. I am requesting a full investigation and proper correction or deletion if the furnisher can not validate all reporting elements.

Charged Off Accounts in Dispute : XXXX XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$860.00} XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$0.00} I am requesting Experian to conduct a reinvestigation and ensure that all data complies with FCRA 602, 607, and 611 regarding accuracy, completeness, and proper verification.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My IP address XXXX has been blocked, I'm unable to login to experian regardless of whos login I use

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: NV

Complaint narrative:
Alpine credit Inc. has continued to commit fraud and report to all three major credit bureaus a balance that is significantly higher {$9400.00} than the closed out balance from the original contract holder, space-age XXXX XXXX XXXX {$6700.00} alpine credit Inc. has failed to provide detailed contract highlighted where they can continue to collect interest on a profit loss write off closed account. I have requested numerous times that Alpine credit Inc. To provide highlighted detail in the spot of the original contractor showing that interest can be continuously collected alpine credit Inc. is committing fraud, and trying to use scare tactics such as threatening to have me arrested false reporting that theyve had me served in the past stating that I was in jail nowhere on my arrest record or in the court system. Does it show Ive ever been arrested? I have not been arrested in years and I could provide a full background check to the consumer financial bureau showing that I have not been arrested Alpine credit Inc. is making false accusations, false statements harassing and posting an incorrect balance. All this is considered fraud, and I will continue to report them to the consumer financial bureau as well as any other companies from here on out they state that I report I live at an old address when I do not live at an old address when I submit the reports it states what address this is all happening at not asking for my current address. this company thinks they scare me when they do not. and I am going to submit documentation to the judge showing their illegal scare tactics as well as their invalid process. Serve at a residence I do not live at I am also gon na send a copy of my original contract to the judge so he could see for himself that nowhere in the contract. Does it state Alpine credit Inc. can continue to collect interest. I have already filed complaints with XXXX XXXX and other investigating companies that are going to look into this matter on the fraud and the scare tactics and unprofessional from Alpine credit Inc. I also am in the middle of filing bankruptcy and will provide Alpine credit Inc. the name of the bankruptcy company. Also, the process server/sheriff is now being investigated as theyve been provided the video footage of his illegal process serve by tossing a document outside of a residence that I do not live at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

Complaint narrative:
I have a report from XX/XX/year> of identity defense policy showing a claim from a data breach with my account specialist. I have a compromised compensation fund in a electronic account transfer data breach. I seen the report and the alert on the security freeze with my bank account. I have a compromised bank account stolen credentials from wire fraud. The account was deactivated with my account, suspicious log in. I have a council detective file a police report with my company and fraud alert on my credit report. I wanted to file a class action lawsuit for data breach with fraudulent data broker error log in with the XXXX affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio Recovery Associates continues reporting a balance on my credit file for an account that was legally dismissed in court ( XXXX XXXX. XXXX, XXXX XXXX XXXX dismissed XX/XX/year>, without prejudice ). Despite the dismissal, the furnisher is re-aging the account by repeatedly updating the date opened and date reported, which is prohibited under the Fair Credit Reporting Act ( FCRA ) and the CFPBs guidance on re-aging. 

I have disputed multiple times with XXXX and XXXX, and the furnisher continues to verify inaccurate information without providing validation or correcting the reporting. This is causing ongoing credit harm. 

I am requesting : 1. Immediate removal of the account from all credit bureaus 2. Investigation into unlawful re-aging and continued reporting 3. Written confirmation from Portfolio Recovery Associates I am also requesting this complaint be forwarded for supervisory review, as prior disputes have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX thief 's stole my purse from my car on my job site. I went the same day to notify the bank all my info was stolen. The bank teller told me not to worry that she changed everything and my money was safe. She gave me two debit cards and said one was for my saving and one was for my checking. I trusted her and continued banking. I do not use anything online. A year later I received a statement with a lot of transactions with XXXX and online shopping. I showed my son and he told me i was getting scammed. I went to the US bank and told them and it ended being a total of {$22000.00} and all they did was give me a phone number to call. We spend over 6 hours on the phone with them telling them every transaction that was not made by me. They only return like {$9000.00} and told me the other amount is pass the return date. I called again and reported everything again and they told me to wait 90 days. Then again filed to complaint and also told me to wait 90 more days because the investigation is still going. Recently the people that stole my information tried to purchase a car online and with my information so i went to the police and they gave me police report # XXXX and they are the ones that gave me this website to report US bank and hopefully get my money back. I also reported them to the XXXX but nothing was done. I believe the bank teller was involved in stealing my money because she put all of it on checking accounts and nothing on a savings account and i was told she can steal it from checking. I requested her information but non of the bank people want to give me that information. I was with union bank but they were bought by US bank and now im having big issues with them not returning what was stolen. During that time they said they stopped sending statements notifications and if i was them i need to pay now. Thank you for your help.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist on XX/XX/XXXX and deposited various checks. I was able to make XXXX mobile deposits before being blocked from accessing my account. They mentioned the check numbers didnt match at first, then it was flagged for fraud. My account ended up being closed but the checks cleared prior to closure. The issued checks were Truist as well. 

I have walked into the same branch and spoke with the same teller that opened my account. She gives me a phone number and tells me it is out of her hands. The phone number is ( XXXX ) XXXX XXXX. I called and requested the report, I have not received a report. 

I spoke with my employer and they said the money has been withdrawn from their account. I went to the same branch and once again was unable to resolve anything. 

I have just received my statement in the mail. The withdrawal was on XX/XX/XXXX, around the same time of my debates with the branch, under account close out XXXX. 

Truist is withholding cleared funds in violation of Regulation CC and EFAA.

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 2025-11-24 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: CA

Complaint narrative:
I am a consumer working to correct inaccurate and unverifiable information being reported on my credit file. I am requesting a full reinvestigation of the accounts and inquiries listed below. Any item that can not be fully verified according to the FCRA and XXXX XXXX standards should be updated or deleted. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX  XXXX XX/XX/XXXX {$4100.00} Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
Its dealing with a bankruptcy filing that was in a public court record but this does NOT mean a credit reporting agency automatically has legal permission to harvest, package, and sell it. 

My court file = public. 
My credit file = PRIVATE, protected under Title 15 USC 1681.

The FCRA requires : accuracy relevance permissible purpose confidential handling A CRA pulling data from court records does not bypass my right to privacy. If it can I need the United States Code stating that because they automatically assumed the role to have the social security account number and to be trustee when it comes to my credit file thats suppose to remain private and they are not affiliated with the social security administration office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Its dealing with a bankruptcy filing that was in a public court record but this does NOT mean a credit reporting agency automatically has legal permission to harvest, package, and sell it. 

My court file = public. 
My credit file = PRIVATE, protected under Title 15 USC 1681.

The FCRA requires : accuracy relevance permissible purpose confidential handling A CRA pulling data from court records does not bypass my right to privacy. If it can I need the United States Code stating that because they automatically assumed the role to have the social security account number and to be trustee when it comes to my credit file thats suppose to remain private and they are not affiliated with the social security administration office.

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 2025-11-24 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian is reporting several items on my credit file that are completely inaccurate and not associated with me. They are still showing the wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, neither of which has ever belonged to me. My report also contains multiple accounts that I have no knowledge of, including a XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX with a reported high balance of {$2000.00} and marked as a charge-off. Experian is also reporting an XXXX XXXX XXXX collection account ( XXXX ) opened on XX/XX/XXXX with a high balance of {$1200.00}, as well as a XXXX XXXX collection account ( XXXX ) opened on XX/XX/XXXX with a high balance of {$2100.00}. I have never opened, authorized, or been associated with any of these accounts. Despite submitting disputes and requesting a proper reinvestigation, Experian continues to verify these inaccurate items, which is causing major harm and appears to be the result of a mixed file. I am requesting CFPB assistance to ensure Experian conducts a lawful reinvestigation, removes the incorrect addresses and all accounts that are not mine, and provides written confirmation once these errors are corrected.

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