vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} 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 the
ft criminal complaint case number XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom this may Concern ; I discussed the fraudulent use of a credit card and all charges were removed, the card was canceled and Citicard sent a new card. After 2 weeks I contacted XXXX about the card as I had not received the new card. I was informed that the card had been used to charge {$1900.00}. I told them I never received the card and asked where it had been mailed. They indicated my mailing address and it was good. However, then they said my physical address was the one indicated above. I reminded them I had that address removed during our previous call. The lady I spoke with said she would change it and start a fraud investigation. I waited and thought everything would be resolved. Then in XXXX I received a statement from them stating I hadn't made a payment ( this was the first statement I received ). I called about it and restated everything as before that I had never received the card. I asked the lady to let me speak with a supervisor and was told I needed the last 4 digits of the card. I gave her the last 4 digits listed on the statement ( XXXX ) but was told it was not correct and she would not transfer me to a supervisor without the 4 digits.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXXXXXX XXXX  aka pressler and pressler has gotten a court XXXX XXXX XXXX  to XXXX  my account this has been the second time they have done so in a attempt to collect money that I paid them and dont know why I have this debt with them in the first place. I have added the payment history and the last levy that they made and it adds up to the amount they said I owe them but they still keep trying to shake me down for more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed through applications made in my name. These companies pulled my credit report without my knowledge, consent, or authorization. I do not recognize these inquiries, nor did I apply for credit with these entities. These fraudulent inquiries are a clear violation of my rights as a consumer and an unacceptable breach of my financial privacy.

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

Complaint narrative:
I am filing this complaint because I already disputed accounts with the credit bureaus, and they are still being reported inaccurately. 

XXXX XXXX XXXX XXXX as a collection by one bureau, charged-off by another, with balances that dont even match ( {$3100.00} vs {$2900.00} ). 

XXXX XXXX Reported as a collection by some bureaus and disputed by others. Contradictory statuses. 

XXXX XXXX Listed as profit and loss write-off, open collection, and charged-off, depending on the bureau.

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

Complaint narrative:
I am writing to formally dispute the recent changes to my credit score, which I believe may be in error. Specifically, I have noticed a significant drop in my score following the removal of certain items from my credit report. I am concerned that this change has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ) and am requesting a detailed explanation of how the score recalculation was performed. 

Background : I have recently reviewed my credit report, and I observed that specific items were removed. However, despite the removal of these items, my credit score has dropped significantly. I believe this may be due to improper recalculation or failure to account for the positive impact these items may have had on my overall credit profile prior to their removal.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to a fair and accurate representation of my credit history. The sudden drop in my credit score seems inconsistent with the information that was previously reported and appears to be an error or oversight. 

Request : A full investigation into the factors contributing to the change in my credit score.

A detailed explanation of the methodology used to recalculate my credit score after the removal of the items.

Any supporting documentation regarding the removal of these items and the recalculation of my credit score.

Please also review the accuracy of this credit score update in line with Section 1681e ( b ) of the FCRA, which requires that credit bureaus maintain reasonable procedures to ensure the accuracy and completeness of credit reports. 

I request that you correct this issue promptly, as it is critical that my credit report and score are accurately reflected in order for me to make informed financial decisions. 

I appreciate your attention to this matter and expect a response within 30 days as required by the FCRA. 

Thank you for your prompt attention to this issue.

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 2025-09-09 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:
I am writing to formally dispute the recent changes to my credit score, which I believe may be in error. Specifically, I have noticed a significant drop in my score following the removal of certain items from my credit report. I am concerned that this change has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ) and am requesting a detailed explanation of how the score recalculation was performed. 

Background : I have recently reviewed my credit report, and I observed that specific items were removed. However, despite the removal of these items, my credit score has dropped significantly. I believe this may be due to improper recalculation or failure to account for the positive impact these items may have had on my overall credit profile prior to their removal.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to a fair and accurate representation of my credit history. The sudden drop in my credit score seems inconsistent with the information that was previously reported and appears to be an error or oversight. 

Request : A full investigation into the factors contributing to the change in my credit score.

A detailed explanation of the methodology used to recalculate my credit score after the removal of the items.

Any supporting documentation regarding the removal of these items and the recalculation of my credit score.

Please also review the accuracy of this credit score update in line with Section 1681e ( b ) of the FCRA, which requires that credit bureaus maintain reasonable procedures to ensure the accuracy and completeness of credit reports. 

I request that you correct this issue promptly, as it is critical that my credit report and score are accurately reflected in order for me to make informed financial decisions. 

I appreciate your attention to this matter and expect a response within 30 days as required by the FCRA. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-09-09 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: KS

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within XXXX business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMS Financial, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  ( now known as XXXX XXXX  XXXX sold my loan contract and information to a third party entity called SMS Financial XXXX, LLC without my knowledge or agreement to the sale. SMS Financial XXXX, XXXX waited out four years before filing suit against me on XX/XX/XXXX with the intention to collect a greater amount of " debt ''. The biggest caveat in this suit was that the third party, SMS Financial, did not prove and can not prove that a default occurred in the original loan constituted in the " Promissory Note ''. 
In XX/XX/XXXX, my personal/legal representative is submitting this complaint while preparing the final " Appellant 's Reply Brief '' with Florida 's XXXX District XXXX of Appeal .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am disputing serious billing and reporting errors that are negatively impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately record payments and credits. However, my payments were not properly applied, and there are clear calculation errors in the reported amounts. Additionally, I was not provided the required 21-day advance notice before payment due dates, which invalidates any late payment marks.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I own an apartment which I rented out to tenants in XXXX and XXXX. The tenant requested and received electricity from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX and XXXX. Apparently, XXXX was sending their bill with my name on it to them at the apartment. I don't live at that property and I have an office located at another location where I receive all bills. I also provided XXXX with the signed written lease agreement between me and the tenants for the entire time of the electric usage and billing period. I also provided to XXXX the full name address and contact information for the tenants that occupied the apartment and who owe them the money. XXXX through their collection agency, Penn Credit never contacted me directly about the unpaid bills, but just placed a delinquency report on my personal credit report for the full amount that the tenants owe them because they were never paid for the electric use made by the tenants. XXXX and Penn Credit refuse to remove the delinquent report filed against my credit report, even though the tenants are fully responsible for the electricity consumed in the apartment during the entire time the bills were not paid. This report has adversely impacted by credit standing, and neither XXXX nor Penn Credit have any lawful claim against me personally for the electricity that was consumed by the tenants of record. The CFPB should compel XXXX and Penn Credit to immediately remove the delinquent report filed against me personally. I never asked for the electricity usage, never consumed the electricity and was never received any bills from XXXX. XXXX could have easily contacted me at my office at any time as my address is on my website and is available all over the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} 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, 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 response to consumer: Closed with explanation