vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am submitting this follow-up regarding previously disputed inaccurate and potentially fraudulent information appearing on my credit report, which remains unresolved. Despite my prior dispute under FCRA 611 ( 15 U.S.C. 1681i ), multiple errors continue to appear, including inaccurate addresses such as XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} ; XXXX Original Creditor : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Original Creditor : XXXX ; XXXX XXXX XXXX * Balance : {$840.00} ; multiple XXXX XXXX Bankruptcy references ( XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies misrepresent my credit history and could negatively impact my creditworthiness. I request a thorough reinvestigation and correction of all inaccurate, incomplete, or potentially fraudulent information in accordance with the Fair Credit Reporting Act.

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 2025-11-26 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: AR

Complaint narrative:
I am submitting this follow-up regarding previously disputed inaccurate and potentially fraudulent information appearing on my credit report, which remains unresolved. Despite my prior dispute under FCRA 611 ( 15 U.S.C. 1681i ), multiple errors continue to appear, including inaccurate addresses such as XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} ; XXXX Original Creditor : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Original Creditor : XXXX ; XXXX XXXX XXXX * Balance : {$840.00} ; multiple XXXX XXXX Bankruptcy references ( XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies misrepresent my credit history and could negatively impact my creditworthiness. I request a thorough reinvestigation and correction of all inaccurate, incomplete, or potentially fraudulent information in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am a victim of identity theft resulting directly from one or more criminal data breaches that exposed my full name, Social Security number, date of birth, and address. As a direct consequence, numerous fraudulent accounts and inquiries were opened in my name without my knowledge or consent. I have never applied for, used, or received any benefit from the following fraudulent tradelines that continue to appear on my credit reports with Experian, Equifax, and TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and additional fraudulent accounts/inquiries ) On XX/XX/scrub>XXXX I filed an official FTC Identity Theft Report ( FTC # XXXX attached ) and mailed certified dispute letters with copies of my ID, the FTC report, and a detailed list of fraudulent accounts to Experian, Equifax, and TransUnion demanding immediate blocking and permanent deletion under FCRA 1681c-2. 
Despite receiving proper identity-theft documentation and a sworn FTC affidavit XXXX Experian, Equifax, and TransUnion have willfully and/or negligently refused to block and permanently delete these fraudulent items within the mandatory four ( 4 ) business-day period required by 15 U.S.C. 1681c-2. Their continued reporting of these patently fraudulent accounts is causing me severe ongoing harm, including denial of credit, higher interest rates, and extreme emotional distress. 
These credit reporting agencies are in ongoing violation of multiple sections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 1681c-2 Failure to block identity-theft information within 4 business days 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation and delete inaccurate information 1681n Willful noncompliance exposing them to statutory and punitive damages Furthermore, the original data furnishers violated the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) and the FTC Safeguards Rule by failing to maintain reasonable security safeguards over my nonpublic personal information, which directly enabled this 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Volkswagen Credit XXXX XXXX XXXX XXXX, XXXX  XXXX United States Re : Continued Dispute of Account Reporting Failure to Provide Proper Validation Account Number : XXXX To Whom It May Concern : I am writing in response to the letter I received from your office regarding my dispute of the above-referenced account. After reviewing your response, I must inform you that your validation is incomplete and does not satisfy your obligations under the Fair Credit Reporting Act ( FCRA ), including 609, 611, and 623. 
Your response did not include : A full explanation of the investigation performed A copy of the original signed contract bearing my signature Complete payment history or supporting documentation Proof that the information you are furnishing is accurate and belongs to me Evidence verifying the specific items I disputed Because you have failed to properly validate the account or provide sufficient documentation proving its accuracy, I am formally requesting a reinvestigation. If you are unable to provide complete validation, you must delete the account and cease reporting inaccurate information to the credit bureaus. 
Please send me the following : A complete copy of the original signed retail installment contract Full account statements or payment history Documentation of how your records were verified Name and contact information of the individual who completed the investigation A detailed explanation of how you determined the accuracy of the disputed information Under FCRA 611, you have 30 days to complete a proper reinvestigation. If you fail to comply, you must remove the information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX XXXX I have a hard inquiry from DiscoverPL that I did not authorize, and then on XXXX XXXX XXXX I have another hard inquiry from Captial One, that I also did not authorize. 

I have not reached out to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Every day I get emails about this alleged debt and to make arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MS

Complaint narrative:
SEVERAL CHARGES WERE MADE FROM AN XXXX XXXX XXXX IN SUCCESSION ON XXXX AND XXXX. ANY OTHER TIME A PURCHASE MADE OUT OF MY USUAL PURCHASE GENRE I RECEIVE A CALL OR EMAIL. I RECEIVED A CALL FROM XXXX NUMBER REPRESENTING DISCOVER SAYING THEY WERE HELPING TO REVERSE THE CHARGES. THEY WOULD ASK FOR REVERSAL CODES AND I PROVIDED THEM. I THOUGHT CHARGES WERE REVERSED UNTIL I RECEIVED MY STATEMENT. I CALLED DISPUTED CLAIMS DEPARTMENT FOR DISCOVER AND WAS TOLD AN INVESTIGATION WOULD TAKE PLACE. THEY REPLIED LATER SAYING I MADE THE PURCHASES. I HAVE HAD DISPUTED CLAIMS WITH VISA AND HAVE NEVER HAD AN ISSUE WITH GETTING CHARGES REVERSED. I ONLY USE DISCOVER FOR BUSINESS PURCHASES BUT HAVE FROZE THIS ACCOUNT. THERE HAS BEEN A DATA BREACH SOMEWHERE. DISCOVER HAS NEVER GAVE ME ANY ISSUES AND I HAVE BEEN THEIR CUSTOMER FOR 34 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
I am disputing a {$120.00} XXXX XXXX membership collection reported by Aldous & Associates. I attempted to cancel my membership multiple times before moving. I first called the gym, and they told me to come in person. When I went in person, the gym instructed me to send an email, which I did. Despite following all instructions, the account was sent to collections. I believe this debt is not valid because the gym made it very difficult to cancel and I completed all required steps. I am requesting proof that I actually owe this debt, including details from the original gym and records showing how the {$120.00} was calculated. I want this collection removed from my credit report unless it can be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also dispute multiple address listings associated with my name, including XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; and XXXX XXXX, XXXX XXXX, AR XXXX, which may be inaccurately reported or attributed. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against CITIBANK NA for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I originally disputed the accuracy of the account XXXX on XXXX XXXX XXXX. I sent a follow-up on XXXX XXXX XXXX, and a second follow-up. Despite multiple notices, CITIBANK NA has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. CITIBANK NA has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the FCRA.

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 2025-11-26 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and
protecting consumer credit information. 



Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer.

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT. 
Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617.

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation