vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally submitting this complaint and dispute regarding a charged-off account being reported by [ Name of Creditor/Collection Agency ] that continues to reflect an updated balance each month, despite its charged-off status. This is a clear violation of multiple federal consumer protection laws and has resulted in the ongoing, unlawful damage to my credit profile and financial integrity. 


XX/XX/XXXX These accounts are being inaccurately reported on my credit profile. Despite submitting a formal debt validation request to the creditor several time resulting in not providing the requested information in addition to them not responding late, they have failed to respond as required by law. This is a clear violation of FDCPA 809 ( b ) and FCRA 611 ( a ), both of which mandate timely and full investigation and response to consumer disputes.

Continued Reporting Violations : The collection agency continues to report the account monthly as active and delinquent, even though it has been charged off. This constitutes furnishing knowingly false data, violating FCRA 623 ( a ) ( 1 ) ( A ). It also breaches 15 U.S. Code 1681s2 ( b ), which prohibits reporting unverifiable or outdated information after receiving notice of a dispute.

Pattern of Delay and Abuse : The company is engaging in willful noncompliance by ignoring the timeline for proper investigation, and has employed delay tactics to skirt federal obligations. These behaviors are also a violation of the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788.17 ), which mirrors FDCPA protections in California and strengthens consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am formally submitting this complaint and dispute regarding a charged-off account being reported by [ Name of Creditor/Collection Agency ] that continues to reflect an updated balance each month, despite its charged-off status. This is a clear violation of multiple federal consumer protection laws and has resulted in the ongoing, unlawful damage to my credit profile and financial integrity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being inaccurately reported on my credit profile. Despite submitting a formal debt validation request to the creditor several time resulting in not providing the requested information in addition to them not responding late, they have failed to respond as required by law. This is a clear violation of FDCPA 809 ( b ) and FCRA 611 ( a ), both of which mandate timely and full investigation and response to consumer disputes.

Continued Reporting Violations : The collection agency continues to report the account monthly as active and delinquent, even though it has been charged off. This constitutes furnishing knowingly false data, violating FCRA 623 ( a ) ( 1 ) ( A ). It also breaches 15 U.S. Code 1681s2 ( b ), which prohibits reporting unverifiable or outdated information after receiving notice of a dispute.

Pattern of Delay and Abuse : The company is engaging in willful noncompliance by ignoring the timeline for proper investigation, and has employed delay tactics to skirt federal obligations. These behaviors are also a violation of the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788.17 ), which mirrors FDCPA protections in California and strengthens consumer rights.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern/Equifax : I am writing to file a formal complaint regarding unauthorized credit reporting activities concerning my personal credit information. I am disputing these activities pursuant to 15 USC XXXXb, which governs the permissible purposes of consumer reports. 
I hereby state that I have never provided written consent to any credit reporting agency to furnish or obtain my credit information. Under 15 USC XXXXb ( a ) ( XXXX ), a consumer report may be furnished only with the written instructions of the consumer to whom it relates. 
Specifically, I am disputing XXXX. The authorized collection of my credit information XXXX. The unauthorized furnishing of my credit information to third parties XXXX. The maintenance of a negative/derogatory credit file on me without my explicit written consent I request that pursuant to 15 USC XXXXi . 
XXXX. All credit reporting agencies cease reporting any negative/derogatory information about me without my written consent XXXX. Each of the negative/derogatory credit files be removed from their databases XXXX. Written confirmation be provided to me via XXXX to the address listed on my drivers license attached to this documentation when these actions have been completed XXXX. See attachment Please investigate this matter and provide a response within the time by law. All correspondence should be sent to the address thats provided on drivers license. 

Sincerely, XXXX XXXX Attachment : Negative/Derogatory information to be removed from the consumer report mentioned herein on the previous attachment. 
Personal Information : All personal information not matching the information upon drivers license attached herein to be removed from consumers report immediately. The drivers license address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Negative/Derogatory Account History : XXXX. XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Date opened XX/XX/XXXX, account status derogatory XXXX. XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, account status derogatory. 
XXXX. XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account status derogatory. 
XXXX. XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, account status derogatory. 
Late Payment Account History : XXXX. XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX, account status paid. 
Inquiries : XXXX. XXXX, Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX PARTIAL ACCOUNT NO : XXXXXXXX  ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
I did a dispute of {$550.00} do to the XXXX XXXX I stayed at had cockroaches and broken fixtures the bank I disputed through is XXXX they denied my dispute even though I have a legit reason I sent pictures

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 2025-05-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
There is a fraudulent inquiry on my credit report that was done online without my knowledge or consent. I did not authorize it, I had no part in it, and I only discovered it after reviewing my credit file.

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 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-07 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FUNDING ASSOCIATES
State: MA

Complaint narrative:
I am disputing an inaccurate late payment reported by Provident Funding for my account ending in XXXX. A payment due on XXXX XXXX XXXX was made on XXXX XXXX XXXX which is 28 days past due, not XXXX XXXX XXXX only had 28 days, so reporting it as 30 days late is mathematically and factually incorrect.

According to FCRA guidelines and standard credit reporting practices, derogatory marks such as " 30 days past due '' should not be reported unless the account is a full 30 calendar days late. This misreporting is factually inaccurate and unfairly damaging my credit history. 

I have disputed this twice with the creditor, but they have failed to correct the error. I am requesting the CFPBs assistance in having this inaccurate late payment entry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-07 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: CT

Complaint narrative:
This complaint is going against Experian for failure to remove all inaccurate addresses ( listed on my consumer report ) and add my correct address, despite being sent evidence of my correct address and proof of identity sent certified mail, delivered and signed for on XX/XX/year>. When the incorrect address was not removed. I called Experian on XX/XX/year>. I was told Experian would be unable to delete the incorrect address due to some old closed accounts allegedly reporting that address. Meanwhile, my Experian credit report lists an inaccurate address where I do NOT reside. I have attached documentation to prove my correct address, and the letter sent to Experian.

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 2025-05-07 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: Kikoff Inc.
State: FL

Complaint narrative:
15 U.S. Code 1666b 15 U.S. Code 1681s-2 ( a ) ( 1 ) 15 U.S. Code 1681c ] Are invoke on all close accounts for fraudulent transactions conducting the jus soli intangible property for profit and loss in good faith of full credit. 
XXXXXXXX XXXX {$0.00} Close on XXXX XXXX ( 1 miss late payment ) XXXX XXXX XXXX {$980.00} close on XX/XX/XXXX XXXX ( 4 ) payment Miss Kikoff- close on XXXX XXXX {$420.00} ( 4 ) payment miss XXXX XXXX {$490.00} close on XXXX ( 4 ) payment miss

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Self Financial Inc.
State: FL

Complaint narrative:
15 U.S. Code 1666b 15 U.S. Code 1681s-2 ( a ) ( 1 ) 15 U.S. Code 1681c ] Are invoke on all close accounts for fraudulent transactions conducting the jus soli intangible property for profit and loss in good faith of full credit. 
Self/ Lead {$0.00} Close on XXXX XXXX ( 1 miss late payment ) XXXX XXXX XXXX {$980.00} close on XX/XX/XXXX XXXX ( 4 ) payment Miss XXXX close on XXXX XXXX {$420.00} ( 4 ) payment miss XXXX XXXX {$490.00} close on XXXX ( 4 ) payment miss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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