vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called ( XXXX ) XXXX after receiving a notice regarding a different account. During that call, the representative informed me that I was also being sued on another account under case number XXXX in XXXX XXXX, IL. This was the first time I was made aware of that lawsuit. 

They claimed I had already been served, but I was never served or notified of the lawsuit in any way. I did not receive a summons, letter, or any communication. They also claimed I am represented by XXXX XXXX XXXX XXXX, which is false. I ended all contact with that agency over XXXX months ago, and they have never represented me in court. 

I asked for documentation showing when and how I was supposedly served, and I asked them to clarify why they are claiming XXXX XXXX  represents me. They refused to provide documentation or correct the record. 

They are now attempting to obtain a default judgment against me based on false service and misrepresentation of counsel. The hearing is set for XX/XX/XXXX, at XXXX PM in XXXX XXXX  ( Courtroom XXXX ), and I am being denied the opportunity to defend myself because they falsely stated that I was served and that I had representation. 

I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for false representation and improper legal action without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and outdated reporting according to credit report details, this account was * * opened on XX/XX/XXXX * * and * * closed on XX/XX/XXXX * * with a charge-off reported. 

However, your institution * * last reported activity as recently as XX/XX/XXXX * *, which is not only factually incorrect, but may also be considered * * illegal re-aging * * of the account. Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ), negative accounts must be * * removed after XXXX  years from the date of first delinquency * * not based on the date of last activity or last report. 

This account is now * * past the legal XXXX limit * * for reporting charge-offs. The continued reporting and recent activity updates are both * * misleading and damaging * * to my credit profile. 

In addition, the account is currently reported with a * * balance of {$690.00} * *, marked as past due and charged off. The original charge-off amount was {$1200.00}.

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information must ensure that all data reported to consumer reporting agencies is accurate and complete. I am formally requesting a * * reinvestigation * * into this accounts reporting details, payment history, and status. Please provide a copy of the investigation results and any documentation used to verify the information.

If Bank of America can not provide sufficient validation or documentation within 4 days, I respectfully request that this item be * * deleted in full * * from all credit reporting agencies, in compliance with federal law.

* * * * * ALSO IN ADDITION * * * Bank of America account, currently listed on my credit report. I have * * not made a payment on this account since XXXX * *, and it is therefore * * past Californias XXXX statute of limitations * * for legal collection actions. 

Under * * FCRA 1681c * * and * * FDCPA 809 * *, I request immediate removal of this account for the following reasons : 1. The account is * * time-barred * * and no longer legally collectible under California Civil Code.

2. You have failed to provide * * full validation * * of this debt, including original signed contracts and itemized account history.

3. Any attempt to * * re-age this account * * or report inaccurate dates/payments would be a violation of * * FCRA 1681s-2 * *.

Please consider this a formal dispute and validation request. If you can not validate and verify this account with original documentation, you are required to * * delete it from all credit reporting agencies * *. 

I am requesting written confirmation of deletion or validation within 30 days, as required by law.

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 2025-06-16 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX CARD Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 non-monetary relief
Consumer complaint received 2025-06-16 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: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX BANK ] Account Number : [ 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 2025-06-16 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.

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-16 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-16 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.

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-06-16 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: MI

Complaint narrative:
I am writing to formally file a complaint against Experian for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate reporting of information on my credit file and its inadequate investigation of my disputes.

Specifically, Experian has failed to : Ensure maximum possible accuracy in the information it reports about me, as required under 15 U.S.C. 1681e ( b ). Despite my submission of disputes and supporting evidence, Experian continues to report inaccurate information on my credit report.

Conduct a reasonable reinvestigation of the disputed information, as mandated by 15 U.S.C. 1681i ( a ). The responses I have received from Experian indicate that it has been verified the disputed items without a meaningful or reasonable investigation into their accuracy.

Furthermore, I would like to bring to your attention that Experian has been subject to prior legal action for similar conduct. In United States v. Experian Information Solutions , Inc., Civ. No. XXXX ( D.D.C. ), Experian was held accountable for failing to comply with its FCRA obligations related to investigating and resolving consumer disputes. Experians repeated disregard for these legal requirements raises serious concerns about its business practices and its ongoing harm to consumers, including myself. 

I respectfully request that the CFPB : Investigate Experians practices regarding my disputes and credit file reporting ; Require Experian to correct the inaccurate information on my credit file ; Ensure Experian implements procedures that comply with the FCRA, so no further harm occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Updated XXXX from LexisNexis - incorrectly reported information. Problem was fixed, then after forcing me to update my address to NC for verification, they still sent report to my TX address. 

Called in to dispute XXXX XXXX was found and scrubbed from LexisNexis Report In the interim of the resolution, I advised I was moving to NC from TX. They told me to send documentation in of this move. I provided this on XX/XX/XXXX. 
On XX/XX/XXXX I was advised of resolution and that it was mailed to me in NC. 
On XX/XX/XXXX I call as my insurance company has yet to hear from them so was checking sending status of my personal report, and i'm told the document was sent to my TX address. 
XX/XX/XXXX - Rep also hung up mid conversation when trying to resolve what the outcome will be ( Am I getting this report expedited to my current address? What happens if my SSN is compromised due to them shipping it to an incorrect address? )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection at Law, Inc. A.P.C.
State: MA

Complaint narrative:
I do not recall having any contractual relationships with these collection companies. Please provide evidence that these accounts rightfully belong on our credit reports and that our rights have not been violated ; otherwise, these accounts must be terminated immediately. In accordance with 15 U.S. Code 1692e ( 6 ), debt collectors are legally required to comply with this provision, which prohibits the communication of false or misleading information regarding the character, amount, or legal status of any debt. It is unlawful to make deceptive claims or misrepresentations concerning debts being pursued for collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries.

You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In early 2022, I stopped using my NFCU checking account. It was free and didnt have overdraft protection on it. I had alerts set up to send to me when my account dipped below {$75.00}. I got my last email in XX/XX/year> saying my balance was below {$75.00} and it was because I had zeroed the account out and stopped using it. 

Less than 6 months later, I received an email from NFCU to settle the debt on this free account. It made zero sense to me. I had no automatic debits set up, and the account was not being used. But it somehow collected {$2100.00} in overdrafts How??? 

The only accounts that had balances were my line of credit ( ending in XXXX ) and my credit card ( XXXX ). Both of which were paid off within the last year. I can provide proof if necessary. Both of these balances are different than the amount NFCU is saying I also owe for a free checking account My checking account shouldve never been negative. There was no reason for it to have any transactions to make it go negative. 

Now I have a collection because NFCU sold this debt to someone who is now pursuing me to pay. I have no proof of this amount belonging to me. I have no access to online banking or former statements. I cant use chat because Im not a member, I cant be verified over the phone because I dont remember an access word from 3 years ago, and no one is able to send me statements or proof that Im the sole reason this account collected this balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation