vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am disputing the account NCB MANAGEMENT XXXX XXXX, listed with a high balance of {$10000.00} and opened on XX/XX/year> as a collection account. I have no knowledge of this account and have never entered into any agreement or authorized any debt with NCB Management XXXX. 

I have already disputed this information with the credit bureaus, but it remains on my report without any valid verification or supporting documentation. This reporting violates the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( b ) and XXXX ( a ), which require credit furnishers and bureaus to report only accurate and verifiable information. NCB Management has not provided any signed contract, billing record, or evidence proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-10-31 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA XXXX, XXXX ( B ), AND XXXX ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA XXXX AND XXXX FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-31 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-10-31 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 believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
The following accounts do not belong to me : XXXX XXXX XX/XX/2024 {$1900.00} XXXX XXXX XXXX XX/XX/2024 {$3400.00} XXXX XXXX XXXX XX/XX/2024 {$1100.00}

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 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have applied and called numerous times and from the beginning it has failed to send an SMS code to my phone number from XXXX which I have no issues doing with any other identity verification service when asked- this is a problem with your system. 

I keep getting the same letter that you are " unable to verify identity information. '' You have added a hard inquiry on my report and not even processed my application and giving me no option or way to overturn that. 

I was even pre-approved for an {$8000.00} credit for the XXXX XXXX 's card and yet I have to deal with this identity verification, all because of my last name being in XXXX and containing spaces. That is a form of discrimination based on protected classes at the federal and state level, and is unacceptable and immoral. Please do right and fix this situation so my application can be processed and approved as per the pre-approval.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NM

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the account PORTFOLIO RECOV ASSOC XXXX, which is being reported as a collection with a high balance of {$370.00} and a date opened XX/XX/year>. I have no knowledge of this account and have never entered into any contract or authorized any debt with Portfolio Recovery Associates. 

I have disputed this information with the credit bureaus, but it remains on my report without any proper verification or supporting documentation. Neither Portfolio Recovery Associates nor the credit bureaus have provided any evidence such as a signed contract or billing record proving that this debt belongs to me. The continued reporting of this unverified account violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), which require furnishers and bureaus to maintain and report only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I'm seeing incorrect information on my credit report I wrote XXXX ( XXXX ) letter to each agency that I'm not aware of these information and capital XXXX enquires.

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 2025-10-31 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: MD

Complaint narrative:
On XX/XX/2025 sent a dispute to Experian, Transunion and XXXX  had no data of the Charge-off account XXXX. Well Transunion and XXXX  came back as verified account. How can XXXX have two company name, different address, city/states and different phone numbers? Im under the impression all credit reporting should be the same all accounts information across the board. Even with no data.

This inaccurate has ruin my financial ability to do anything for years.

15 usc 1681s-2b ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-01 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with my formal legal demand submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-3 ( Section 605C ) and 15 U.S.C. 1681c-2 ( Section 605B ). I am a verified victim of human trafficking, debt bondage, and identity theft. 

Despite providing TransUnion with certified victim determination documentation, proof of identity, XXXX, and current address, they have not properly blocked or deleted fraudulent information from my credit file as required by federal law. 

The items that should have been blocked or removed include : Incorrect Name : XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX GA XXXX, and XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect Employer : XXXX Fraudulent Accounts : XXXX * * * * XXXX {$3500.00} XXXX * * * * XXXX {$2200.00} XXXX * * * * XXXX {$3600.00} XXXX * * * * XXXX {$1100.00} Unauthorized Inquiry : XXXX XXXX XX/XX/year> Under FCRA Section 605C, consumer reporting agencies must block all information resulting from human trafficking within XXXX business days of receiving official documentation. Under FCRA Section 605B, they must block information resulting from identity theft once a valid identity theft report is submitted. 

TransUnion has failed to fulfill these legal obligations. This noncompliance is a violation of federal law and has caused continued harm to my credit profile and personal recovery process.

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 2025-11-01 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:
I am filing this complaint against TransUnion for failing to comply with my formal legal demand submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-3 ( Section 605C ) and 15 U.S.C. 1681c-2 ( Section 605B ). I am a verified victim of human trafficking, debt bondage, and identity theft. 

Despite providing TransUnion with certified victim determination documentation, proof of identity, XXXX, and current address, they have not properly blocked or deleted fraudulent information from my credit file as required by federal law. 

The items that should have been blocked or removed include : Incorrect Name : XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX GA XXXX, and XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect Employer : XXXX Fraudulent Accounts : XXXX * * * * XXXX {$3500.00} XXXX * * * * XXXX {$2200.00} XXXX * * * * XXXX {$3600.00} XXXX * * * * XXXX {$1100.00} Unauthorized Inquiry : XXXX XXXX XX/XX/year> Under FCRA Section 605C, consumer reporting agencies must block all information resulting from human trafficking within XXXX business days of receiving official documentation. Under FCRA Section 605B, they must block information resulting from identity theft once a valid identity theft report is submitted. 

TransUnion has failed to fulfill these legal obligations. This noncompliance is a violation of federal law and has caused continued harm to my credit profile and personal recovery process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My earlier complaint to CFPB ( XX/XX/year> ) to Capital One was framed as a debtvalidation request ; however, this should be handled under FCRA creditreporting accuracy. Capital One has continued to furnish negative information while failing to provide the method of verification for disputed fields ( balance, dates, and status ). Please require Capital One to provide the XXXX data and documents relied upon, correct any inaccurate fields, or delete the tradeline if it can not substantiate accuracy. 
Requested resolution : Provide the method of verification ; correct inaccuracies ; delete if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TN

Complaint narrative:
I reviewed my credit report over the past XXXX XXXX XXXX months and there are items reporting on my credit file that do not belong to me. I have asked these companies many time to provide me with proof of these items. To date, I haven't received anything. I know that these companies are in violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. Please assist me in getting this inaccurate items removed from my credit file. The following items do not belong to me : XXXX - Opened in XX/XX/XXXX XXXX XXXX - Opened in XX/XX/XXXX Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company 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 2025-11-01 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NM

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit 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 2025-11-01 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit 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 2025-11-01 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Their checking database is flawed and explained that too them. I told her I can get aces to my account because my current phone number was on the accounht. She said she could not verify my number or send me a text. She said she could not help me or talk to me. No other verification was accept, except by phone text. I told the rep, I will check to see what is going on with my contact info in the app. After I correct an error that I mention previous was removed before, I fixed it again. Afterwards, I made the change, I was locked out on online banking for no valid reason. IIt was retaliation by the representative. There is no reason they could say fraud prevention.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing late payment entries on my credit report that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be investigated and, if unverified, corrected or removed.

Company response to consumer: Closed with non-monetary relief