vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize these accounts in my name. According to multiple consumer laws including FCRA 605b Fair Credit Billing Act ( 15 U.S. Code 1666b, 1637b ) specifically law 15 USC 1681 C-2. As well as 1681 s-2 and 1692G. Also 1679c. Please remove these accounts off my name including late payments and inquires. Below you will find my FTC report and my dispute letter.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
According to Early Warning records, the account in question was closed on XX/XX/year>. However, XXXX is reporting that the same account was closed on XX/XX/year>. This discrepancy in reporting dates raises concerns about the accuracy and integrity of the information being shared with potential creditors and financial institutions. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. The inconsistent closure dates reported by Early Warning Systems and XXXX can not both be accurate, and I am requesting an immediate investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
According to XXXX XXXX records, the account in question was closed on XX/XX/2022. However, ChexSystems is reporting that the same account was closed on XX/XX/2022. This discrepancy in reporting dates raises concerns about the accuracy and integrity of the information being shared with potential creditors and financial institutions. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. The inconsistent closure dates reported by XXXX XXXX XXXX  and ChexSystems can not both be accurate, and I am requesting an immediate investigation into this matter.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
According to XXXX XXXX  records, the account in question was closed on XX/XX/year>. However, XXXX is reporting that the same account was closed on XX/XX/year>. This discrepancy in reporting dates raises concerns about the accuracy and integrity of the information being shared with potential creditors and financial institutions. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. The inconsistent closure dates reported by XXXX XXXX XXXX and XXXX can not both be accurate, and I am requesting an immediate investigation into this matter.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
I had to dispute 2 months of transactions I did with a deceptive car rental company. I submitted the same information and evidence for each dispute. While they have approved some of the disputes and refunded some of my money, they have also denied some of the disputes which doesn't make any sense because they're all for the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 am a victim of identity theft. The following accounts were opened or used fraudulently in my name without my knowledge or permission : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX These accounts do not belong to me, and I did not authorize any transactions or applications related to them. I first became aware of this fraudulent activity while reviewing my credit report. I am requesting that these accounts be blocked and removed from my credit file. 

I have no knowledge of who used my identity or how my personal information was obtained. I am filing this report to begin the recovery process and prevent further misuse of my information.

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 2025-06-24 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 a victim of identity theft. The following accounts were opened or used fraudulently in my name without my knowledge or permission : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX These accounts do not belong to me, and I did not authorize any transactions or applications related to them. I first became aware of this fraudulent activity while reviewing my credit report. I am requesting that these accounts be blocked and removed from my credit file. 

I have no knowledge of who used my identity or how my personal information was obtained. I am filing this report to begin the recovery process and prevent further misuse of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NJ

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 2025-06-24 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: KY

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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:
My credit report reflects accounts that I did not open and do not recognize. These are clearly fraudulent. I request their immediate removal under 15 U.S. Code 1681g within 15 days. Attached are the necessary documents to support my identity and this dispute.

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 2025-06-24 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: SC

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. 

XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
NMAC Billing Disputes Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment and Request for Correction Under 15 U.S. Code 1666b Dear NMAC, I am writing to formally dispute the late payment reported on my account [ Account Number : ____________________ ] for the billing cycle of [ Month/Year ]. According to 15 U.S. Code 1666b, payments must be credited as of the date received, provided they meet the creditors reasonable payment requirements.

I submitted a payment of [ $ Amount ] on [ Date of Payment ], which I believe should have been credited on time. However, my records show that a late payment was reported in error.

I respectfully request the following : 1. Immediate removal of the late payment from my account and any negative credit reporting associated with it.

2. Update of my payment history to reflect Current Never Late.

3. Written confirmation that the correction has been completed.

Enclosed are supporting documents including [ e.g., payment receipts, confirmation numbers, bank statements ], which demonstrate the payment was made on time.

This dispute is submitted under the Fair Credit Billing Act ( 15 U.S. Code 1666 et seq. ), which requires a written acknowledgment within 30 days and resolution within two billing cycles ( but no more than 90 days ). If the matter is not corrected, I may submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or other appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Report Disputed Status and Unverifiable Credit Inquiries Violation of FCRA and FDCPA I, XXXX XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and incomplete reporting of items on my credit report. 

I previously submitted formal disputes regarding multiple unauthorized inquiries and inaccurate account information both directly to the furnishers and through the credit reporting agency. More than 35 days have passed, and the disputed account has not been marked as in dispute as required by federal law. 

Statutory Violations : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires that furnishers of information must report an account as disputed once they receive notice of a consumer dispute.

15 U.S. Code 1692e ( 8 ) Prohibits debt collectors from communicating credit information they know or should know is false or disputed without disclosing its disputed status. 

Despite clear notice, these obligations have not been met. 

Disputed Items : Unauthorized Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately from my credit file. 

Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX Unverified Collection Account : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account remains on my report without verification or being marked as disputed, despite my prior complaint and documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX 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, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to formally request a debt validation in response to a correspondence I recently received that indicates the existence of a collection account under my name. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that the collection agency provide full and proper documentation verifying the legitimacy, origin, and specific details of the alleged debt. This includes but is not limited to : the original creditors name, the exact amount owed, a full payment history, and evidence that I am legally obligated to pay the amount being claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD bank app glitched and disabled autopay after it was setup, or never sent the toggled information to the server. As a result, payment was not made due to app fault on time, and customer only realized after letter arrived, then immediately paid balance. This resulted in a late payment derogatory remark on consumer 's credit report that is entirely a fault of the bank 's poorly designed app. This has greatly deteriorated the consumer 's credit score. The consumer has never had a late payment in their entire history until this card. This is not fair to the consumer to pin a app fault on the consumer 's unwillingness or inability to pay. The consumer has no creditworthiness issue but the bank has represented consumer to the credit reporting agencies as if there is an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Experian , and Equifax credit reporting agency . I request that you ( CFPB ) 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. 



In accordance with the Fair Credit Reporting act, a inaccurate a account that was already deleted include XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX opened XX/XX/year> Shows XXXX late payments This was already removed once in the case of identity thief! It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX Bought debt on XX/XX/XXXX ( illegal ) according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). & 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 agett onto ncy can not furnish a account without my written instructions All the accounts are falsely on my Experian, XXXX XXXX and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

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 agett onto ncy can not furnish a account without my written instructions

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 2025-06-24 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 recently identified several unauthorized accounts on my credit profile. These were not opened by me and must be deleted immediately. Under 15 U.S. Code 1681g, I expect removal within XXXX  days. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 have reported this to Equifax and to XXXX  they are reporting a repossession that happened over a year ago as 10 missed payments. It has not been updated in two years. The vehicle had gap insurance and the balance was XXXX  out. Neither one of the companies will update this information. So I'm demanding the removal.

Company response to consumer: Closed with non-monetary relief