vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-06-02 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
My pre-paid XXXX card ( XXXX XXXX ) issued by UMB Bank XXXX, is used to purchase or pay for XXXX XXXX and supplies, drawing from my personal XXXX XXXX XXXX account. The account is administered by a XXXX XXXX  that my former employer contracts with. It is commonly referred to as a XXXX XXXX XXXX Account. The account was funded by me with earnings when I was employed. 

Recently, the XXXX XXXX XXXX, changed card providers. This provider does not send me regular statements accounting for the card transactions. 

I only receive emails from the XXXX XXXX XXXX stating an amount that was drawn from my account. 

I need a regular accounting showing the date, vendor or payee, and the amount. This I do not get, and have not been provided access to from either the issuing bank or the plan XXXX, I believe I have a right to that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I did not authorize this accounts to be open in my name address and names not spell right asap please remove all these my items of my name thank you this is unlawful FCR section 605B 1681c-2

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 2025-06-02 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:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

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 2025-06-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a federal student loan ( XXXX ) and two credit cards ( XXXX XXXX and XXXX XXXX ). These accounts have resulted in fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in the CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding the CFPB complaint be sent to me via email to the email address ( 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing XXXX returned check fees charged by Citibank to my account, totaling {$82.00} ( {$41.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX ). There is no indication on my statements that the XX/XX/XXXX payment was returned due to insufficient funds, nor is there any clear explanation specifying which transaction caused this fee. For the XX/XX/XXXX fee, the payment was successfully processed and withdrawn from my checking account. Despite this, a returned check fee was charged without valid justification. 

I contacted Citibank customer service to request the reasons for both charges but was unable to obtain a clear explanation for the XX/XX/XXXX fee, and the justification provided for the XX/XX/XXXX fee was unreasonable. My requests for refunds of both fees were denied. 

I believe these charges are unfair and may violate consumer protection regulations. I respectfully request a thorough review of my account activity and a refund of these improper fees. I expect a prompt and fair resolution to this matter.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
I took a look at my credit report to see my credit score I noticed that it dropped 35 points and with farther investigation I saw I says I have an account in collections. I always payoff my accounts and 100 % on time so I dont understand how I have a collection. I called the company and it was a pair of sunglasses brought in 2023 worth {$270.00} I never ordered anything from shophq. I dont understand how my social security number was in obtain I am a victim of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 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: GA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Conflicting Reporting by IC Systems To Whom It May Concern : I am submitting this complaint against IC Systems XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws.

Summary of What Is Happening : Inconsistent Account Status : XXXXXXXX  lists the account as Open. 

XXXX  and XXXX  list the same account as Closed. 

This contradiction is misleading to potential lenders and violates the standard of accuracy. 
Balance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.

Dispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX  : " Account previously in dispute now resolved by data furnisher. '' XXXX  : " Account previously in dispute now resolved reported by subscriber. '' XXXX : " Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. 

Payment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for 2025, which are unjustified, given the payment and resolution history.

Laws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.

Failure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.

TILA 15 U.S. Code 1601 et seq.

Providing inaccurate financial information about the nature of the account and payment history.

GLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.

ECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.

FDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.

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 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of two credit cards ( XXXX XXXX and XXXX XXXX ). These accounts have resulted in fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ), that the Transunion credit reporting agency block all of the accounts identified in the CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding the CFPB complaint be sent to me via email to the email address ( 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 2025-06-02 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: TN

Complaint narrative:
I am writing to formally dispute several XXXX accounts appearing on my Experian credit report. These items are being challenged on the basis of inaccuracy, lack of verification, and potential identity compromise, particularly in light of the well-documented Experian data breach, which exposed millions of consumers ' sensitive personal data. 
The accounts in question are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$390.00} The XXXX XXXX XXXX account reflects a XXXX balance but is still marked XXXX without current justification. The XXXX XXXX account contains an outstanding balance that XXXX be inaccurately reported. Lastly, the XXXX XXXX XXXX account is recently added and unfamiliar to me, raising serious concerns about its authenticity and origin.

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 2025-06-02 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: NJ

Complaint narrative:
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  : # XX/XX/year> XXXX has violated my 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 2025-06-02 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: NJ

Complaint narrative:
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  : # XX/XX/year> XXXX has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Unauthorized Credit Reporting XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the inclusion of an account reported by XXXX XXXX XXXX XXXX ( NFCU ) on my credit report. The account number listed is XXXX. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( c ), I am asserting that I never provided written consent for XXXX XXXX XXXX XXXX or any of its representatives to access or furnish any of my consumer credit information to any credit reporting agency. As such, any furnishing of my credit data by XXXX was done without proper authorization. 
Under the FCRA, a consumer reporting agency may not include any information in a consumer report unless it is obtained and disclosed in compliance with the law. Since no permissible purpose exists, and I did not authorize XXXX XXXX XXXX XXXX to access or report my personal credit data, I am requesting the immediate deletion of this account from my credit report. 
Please conduct an investigation into this matter as required by 15 U.S. Code 1681i and provide a written response within 30 days of receipt of this letter, as mandated by law. In the event the account can not be validated with proper documentation of written consent, it must be removed.

I have enclosed a copy of my credit report highlighting the disputed entry, along with a copy of my government-issued ID and proof of address for verification purposes.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief