vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


XXXX. The following account is not mine XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX * * * * * * * * * * * Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation to verify these items and remove them from my credit report. It is my understanding that you are obligated to contact the creditor responsible for reporting this information. I kindly ask you to eliminate any details that the creditor can not verify. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence.

Please send a revised copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with obtaining this updated report. Additionally, I request that you notify all individuals who have received a copy of my credit report within the past six months regarding any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I found unfamiliar accounts listed on my credit report today, and I have no explanation for their presence. When I checked the report, as I normally do, I noticed these unexpected errors. I attempted to refresh the page, suspecting a possible glitch, but the incorrect entries remained. Im therefore requesting a careful examination of the documents Ive provided to ensure this doesnt happen again.

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 2025-04-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section 1681b ( c ) as fraud & breach of my privacy. Inquiries that's not authorized. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I noticed i could not gain access to my Citizens Bank account. I called customer service to see what the issue was and they stated my account was under review and that I should be receiving a letter in the mail about the situation.They also suggested I go to into a local branch to possibly gain more information or save my account. The local branch was of no help. Today is XX/XX/year> and I have yet to receive anything. I call customer service customer service each and every week and its the same thing, wait for the letter I have over XXXX sitting in that account that is supposed to be for rent and bills. Im delinquent on everything because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 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:
Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion XXXX hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from aaly financial -account numberXXXXXXXX XXXX XXXX XXXXaccount name-XXXXXXXX XXXXaccount numberXXXX, XXXXXXXX XXXX  account numbersXXXX XXXX XXXX  accounts- XXXX and XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer.

Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Switched auto insurance from XXXX to XXXX. XXXX continued to draft my account despite switching policies. They took money without cause and customer service assured me they would reimburse me. They never did. Then, months later. They reported on my credit report that I owed them. I emailed proof that I no longer had a policy with them. And their excuse was- I was to send a different contact person notification that I switched policies- which is not something I am legally required to do. But I did it anyway since the agent was horrible and never helped me previously- which is why we switched. So since the agent didnt acknowledge our switch- they are fraudulently claiming I owe them- which Ive proven by snap shots and emails that they owe me {$450.00} for 2 months. After I switched they continued to auto draft me- until I contacted customer support and they deleted my card info from system since I no longer carried a policy with them. They didnt claim this fraudulent debt until 6 months later- after the fact I never received my refund and didnt complain about it. They are horrible at communicating with me- and despite the evidence pointing to the facts- instead of fixing it- they only ask for more from me- the first time They responded- they asked my to forward email that stated we canceled policy. The next time they responded was to say I was suppose to inform someone else of the switch. Despite having an appointed agent of representative the entire time we had XXXX. Which again, I am not required to inform anyone when we switch carriers. The whole reason we switched carriers was due to allstates negligence of communication and over charging us- numerous attempts to resolve our account went un answered- so we switched carriers- which we are more than allowed to do without reason or having to justify why we no longer wanted XXXX to be our insurance provider. They are fraudulently reporting a debt I dont owe and messed with my fico score- all because they refuse to communicate with me - and their agent didnt do what they were suppose to on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Transworld systems inc keeps calling me all hours of the day to the pain I had to lie and say it wasnt me I checked my credit score, and I have no debt they also havent provided to me a reason they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I mailed a certified Debt Validation Request to NCB Management Services on XX/XX/XXXX, regarding a $ XXXX collection they began reporting to XXXX  on that date. XXXX confirms they received it on XX/XX/XXXX. 

I never received any notice from NCB when they acquired this account in XXXX. I was not contacted in writing within 5 days of any alleged collection activity as required under FDCPA 15 U.S.C. 1692g ( a ). I only became aware of this debt when I noticed it on my credit report in XX/XX/XXXX. 

The debt stems from an auto loan originally with XXXX XXXX XXXX XXXX .. My last payment was made in XX/XX/XXXX, and the vehicle was repossessed in early XXXX. This places the date of first delinquency around XXXX or XX/XX/XXXX. 

However, NCB is reporting a Date Opened of XX/XX/XXXX, which is both misleading and potentially a re-aging violation under FCRA ( 15 U.S.C. 1681c ). A debts reporting period is based on the date of first delinquency, not the date it was sold or reported.

I am requesting that NCB Management Services : Cease reporting this account, which is based on an improperly handled validation process and misrepresents the account age Delete this account from all credit reporting agencies, and Provide written confirmation of deletion and cessation of collection efforts Their lack of proper notice and inaccurate reporting violates both the FDCPA and FCRA, and has caused significant damage to my credit at a critical time for my business financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion XXXX hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from aaly financial -account numberXXXXXXXX XXXX XXXX XXXXaccount name-XXXXXXXX XXXXaccount numberXXXX, XXXXXXXX XXXX  account numbersXXXX XXXX XXXX  accounts- XXXX and XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer.

Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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 explanation
Consumer complaint received 2025-04-30 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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