vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> an amount of XXXX and XXXX in checks from discover were sent to citi which were to XXXX out both my personal loan and credit card with citi financial. I have been fighting with citi since that date every week 2 and 3 days a week for hours on end on the phone with them trying to get them to resolve their error. They credited both of those checks to my credit card account instead of credting the XXXX check to the personal loan account, like it was supposed to have gone to. I have explained this multiple times for months on end with no FULL resolution from citi, and have accrued TONS of monies in interest because of it, that I also want FULL reimbursement for! They can not mentally process/grasp/articulate how to resolve their error or they are pretending to not be able to, to steal and have me incur tons of interest fees for the 3 months that this has been going on. I have spoken to several supervisors and still to no avail. They still have that XXXX on my credit card as a balance, that I do NOT owe, yet they are charging me interset against it and have it is a balance that is inaccurate, untruth, and invalid! PLEASE HELP ME GET JUSTICE AGAINST THIS!

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 monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Rebuttal to XXXX XXXX CFPB Response - Admission of Misreporting Requires Correction : To Whom It May Concern, XXXX XXXX XXXX XXXXXXXX CFPB response is untenable. XXXX asserts my XXXX XXXX account ( XXXX ) was reported accurately. That is directly contradicted by XXXX own correspondence to me on XX/XX/year>, which admitted misreporting and confirmed correction. 

In that letter, XXXX XXXX explicitly stated : We have reviewed the information being disputed, as well as our records, and determined that your XXXX XXXX account was NOT reported correctly. Your reported Account Information has been updated as of XX/XX/year>. We have sent a notice to TransUnion, XXXX XXXX XXXX to have this information updated. 

Once XXXX XXXX admitted that the account was not reported correctly, it had a duty under the Fair Credit Reporting Act to ensure accurate reporting moving forward. Continuing to furnish the disputed late payment after acknowledging misreporting is a clear violation of 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). 

This is not a matter of interpretation. XXXX XXXX has already conceded that the information was inaccurate. The continued reporting of that same late payment, in the face of this admission, constitutes willful noncompliance and ongoing harm. 

I demand the following immediate action : 1. Removal of the disputed late payment from all credit reporting agencies. 
XXXX. Written confirmation that all CRAs have been instructed to delete the inaccurate tradeline data. 
XXXX. A full explanation of why the admitted misreporting was not corrected in practice, despite the XX/XX/year> letter stating otherwise. 

XXXX XXXX can not retract or ignore its own admission. The only remedy consistent with federal law is full deletion of the inaccurate information. Anything less is continued willful 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX  credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-16 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: TX

Complaint narrative:
I am deeply frustrated to see that these inaccurate accounts are still appearing on my credit reports, and they have not been removed. I urgently ask that the documents Ive attached be reviewed carefully so I can finally have peace of mind and stop living with this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and misleading entries that are currently appearing on my credit report. These errors are causing significant harm to my credit standing and financial opportunities. Despite my efforts, these items remain unresolved. I am requesting the CFPB to investigate these matters and ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Disputed Items Wrong Address Reporting XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This address does not belong to me and is being inaccurately reported. 

Inaccurate/Unverified Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$22000.00} Reported as Late Payment but not accurate or verifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} Reported as Collection, not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$480.00} Collection account reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Collection, unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate entries dated XX/XX/XXXX Balances {$1100.00} and {$880.00} Both reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$640.00} Inaccurate collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Reported as Charge Off, inaccurate and harmful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit {$4400.00} Incorrectly reported collection. 

Hard Inquiries ( Unrecognized/Unauthorized ) The following inquiries appear on my credit report without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA These errors constitute violations of the FCRA, specifically : Reporting inaccurate and unverified information ( 1681e ( b ) ).

Failure to ensure maximum possible accuracy in reporting ( 607 ( b ) ).

Reporting accounts and inquiries without permissible purpose ( 604 ).

Requested Resolution I respectfully request the following actions : Immediate investigation and removal of all inaccurate, duplicate, and unverifiable accounts and inquiries listed above.

Deletion of the wrong address being reported.

Written confirmation from all credit reporting agencies ( Experian, XXXX, XXXX  ) that these items have been corrected or deleted.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute fraudulent accounts listed on my credit report. These accounts were not opened, authorized, or managed by me and therefore represent false information that does not belong in my financial history. Their inclusion is misleading, harmful, and has caused damage to my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-16 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: NY

Complaint narrative:
I am formally disputing the following inaccurate and misleading information on my Equifax credit report : Accounts Disputed XXXX  XXXX XXXX Inquiries Disputed XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Violations & Grounds for Deletion XXXX. XXXX XXXX XXXX o Reported as Charge Off but remark states Account Previously in Dispute Now Resolved by Furnisher. 
o Reinserted without proper certification, violating FCRA 611 ( a ) ( 5 ) ( A ).

o Status remains misleading and inconsistent with other CRAs, violating FCRA 607 ( b ). 
XXXX. Inquiries o CNB pulled twice within 48 hours without explanation. Duplicative inquiries are not permissible under FCRA 604. 
o XXXX inquiry lacks proof of permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunnova Energy Corporation
State: MD

Complaint narrative:
The company has continued to report inaccurate and unlawful information on my personal credit report. The account was originally intended to be signed under my XXXX, not in my personal name. Despite disputes, the creditor has failed to correct, remove, or respond to my communications. 

Company Response History Original complaint filed : XX/XX/scrub>XXXX XXXX XXXX CFPB reference number : XXXX Company has failed to take corrective action. 

No valid written response to my direct disputes or CFPB complaint. 

Emails and communications sent directly to the creditor remain unanswered. 



The creditor has reported the account as paid and closed, yet continues to reopen and reclose the account without cause, creating a false and misleading record. 

Additionally, I was verbally informed by the creditor that transferring the account to my LLC would result in the tradeline being removed from my personal credit report. I followed their directive, but the inaccurate information still remains.

This is in violation of multiple federal laws : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information known or reasonably should be known to be inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies must investigate and resolve disputes within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverifiable or inaccurate information must be deleted or corrected.

15 U.S.C. 1666b Requires accurate and timely crediting of payments and account activity.

15 U.S.C. 1692e ( 10 ) FDCPA prohibits deceptive means to collect or attempt to collect a debt.

15 U.S.C. 45 ( FTC Act ) Prohibits unfair or deceptive acts or practices in commerce.

12 C.F.R. 1022.43 ( e ) Furnishers must respond to direct consumer disputes.

Consumer Harm The creditors unlawful reporting has caused : Damage to my personal credit profile, Financial harm, including restricted access to credit, Stress and reputational harm due to false reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called each institution and disputed there following inquires per EACH bank ... I also filed an FTC report, sent in a legal letter, provided 2 forms of ID and proof of address to all 3 bureaus. Nothing has been done and its been over a 45 days > These hard inquires were not authorized by me XXXX XXXX XXXX XXXX XXXXXX/XX/year> BK of America XX/XX/scrub>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 2025-09-16 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called each institution and disputed there following inquires per EACH bank ... I also filed an FTC report, sent in a legal letter, provided 2 forms of ID and proof of address to all 3 bureaus. Nothing has been done and its been over a 45 days > These hard inquires were not authorized by me 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
I am filing this formal complaint against FMS for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within XXXX ( XXXX ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. 


Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of XXXX XXXX XXXX XXXX Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this debt collector to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful. 


Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked.

Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-09-16 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation