vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. 
I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, in accordance with the Fair Credit Act, Public law 91-506, Title VI, Section 611, subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an update credit report after you have completed your investigation and correction. 
Your. Cooperation and prompt attention are greatly appreciated Account 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the XXXX, Experian, and XXXX  data breach, which makes me worry about my personal data 's security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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 2025-06-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Formal Dispute of Inaccurate, Unverifiable, and Outdated Credit Information Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies, unverifiable items, and outdated information on my credit report ( File # XXXX ) under Sections 611 ( a ) ( 1 ) and 623 ( b ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). The following items violate federal law due to incomplete, inaccurate, unverifiable, or obsolete reporting and must be permanently deleted within 30 days.

I. Inaccurate Account Reporting & FCRA 1681e ( b ) Violations The following accounts report incorrect statuses, balances, or remarks that misrepresent my creditworthiness. TransUnion failed to maintain " reasonable procedures '' to ensure maximum accuracy per FCRA 1681e ( b ). 

Dept of ED / XXXX Accounts ( Multiple ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX * * * Violations : False " PDE '' ( Payment Deferred ) Remarks : Accounts incorrectly coded as " XXXX  '' ( Unknown ) or adverse status despite deferred payment agreements under the Higher Education Act. 

Inaccurate " Rating '' Codes : " XXXX  '' ratings falsely imply delinquency during active deferment periods. 

Outdated Balances : Balances reported from XXXX do not reflect {$0.00} payments during deferment. 

Demand : Immediate deletion of all adverse remarks and correction to reflect current, accurate deferred status per FCRA 1681c ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Account closed ( XX/XX/XXXX ) but falsely reports " Balance {$0.00} '' instead of " Paid/Closed. '' FDCPA 1692e ( 8 ) : Reporting closed accounts as active misleads creditors.

Demand : Permanent deletion due to unverifiable closure status. 

II. Unverifiable Hard Inquiries The following inquiries lack permissible purpose under FCRA 1681b and were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Formal Dispute of Inaccurate, Unverifiable, and Outdated Credit Information Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies, unverifiable items, and outdated information on my credit report ( File # XXXX ) under Sections 611 ( a ) ( 1 ) and 623 ( b ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). The following items violate federal law due to incomplete, inaccurate, unverifiable, or obsolete reporting and must be permanently deleted within 30 days.

I. Inaccurate Account Reporting & FCRA 1681e ( b ) Violations The following accounts report incorrect statuses, balances, or remarks that misrepresent my creditworthiness. TransUnion failed to maintain " reasonable procedures '' to ensure maximum accuracy per FCRA 1681e ( b ). 

Dept of ED / XXXX Accounts ( Multiple ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX * * * Violations : False " PDE '' ( Payment Deferred ) Remarks : Accounts incorrectly coded as " XXXX  '' ( Unknown ) or adverse status despite deferred payment agreements under the Higher Education Act. 

Inaccurate " Rating '' Codes : " XXXX  '' ratings falsely imply delinquency during active deferment periods. 

Outdated Balances : Balances reported from XXXX do not reflect {$0.00} payments during deferment. 

Demand : Immediate deletion of all adverse remarks and correction to reflect current, accurate deferred status per FCRA 1681c ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Account closed ( XX/XX/XXXX ) but falsely reports " Balance {$0.00} '' instead of " Paid/Closed. '' FDCPA 1692e ( 8 ) : Reporting closed accounts as active misleads creditors.

Demand : Permanent deletion due to unverifiable closure status. 

II. Unverifiable Hard Inquiries The following inquiries lack permissible purpose under FCRA 1681b and were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello All, I contacted you all at the beginning of last year due to XXXX  not removing this debt collector ( XXXX  ) from my credit profile. So it did get removed, but what the company XXXX XXXX did was sell that fraudulent account to another collector called XXXX XXXX. Ive been disputing this the past XXXX XXXX and have not been removed. I even provided a FTC report. I will attach. The dates on this new account also say I just opened it and that is not true. Please have Transunion remove this information from my credit report as it is fraud. 

XXXX and XXXX XXXX is the same place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, National Credit Systems ( NCS ) reported a debt of {$12000.00} on my credit report. I was never notified about this debtnot by mail, phone, or emailand I have no idea how this amount was calculated.

I never received any documentation from NCS explaining the nature of this debt, any itemized breakdown, or any contract proving I owe this balance. I have no direct relationship with NCS, and I was never contacted before they reported this to the credit bureaus. 

In XX/XX/XXXX, I sent a debt validation request via certified mail, asking for : 1. proof of the debt, 2. a signed agreement, 3. a detailed breakdown of charges, and 4. proof that they are legally authorized to collect it.

I have received no response.

Right now, the account appears as Open dispute meets requirements of the Fair Credit Reporting Act on my TransUnion credit report. However, NCS continues to report the debt without providing any validation or legal documentation.

I request that this account be removed from my credit report if it can not be legally validated, and that CFPB investigates how NCS obtained my personal information without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on the date : ( XX/XX/year> ), Since then these accounts listed below ( the original creditor and the new accreditor that purchased the account ) had repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AK

Complaint narrative:
I was notified of a debt claim made by at & t against my name some time during XXXX ( although they are not my carrier and the account was opened in Ohio which I've never physically been to ). 

I went to a local XXXX XXXX XXXX  store to resolve this claim and they provided me the following details XXXX XXXX XXXX XXXX account : XXXX balance : XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX Ohio XXXX phone number : XXXX opened : XX/XX/XXXX issue : over 120 days past due email used : XXXX I have not used this email in years and I've lived in XXXX Alaska my entire life. I was under the impression that this would be resolved by at & t back in XX/XX/XXXX ( around the time I physically visited my local at & t store ) but I have been receiving several phone calls and text messages from credence resource management recently ( sample text message below ) : Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX XXXX account XXXX with a balance of {$980.00} for only {$450.00} if your payment is received in our office by XX/XX/XXXX. This is a savings of {$530.00}. You can also pay in parts. Call @ XXXX or Pay : XXXX XXXX XXXX  Rights XXXX XXXX XXXX XXXX  Reply STOP to stop However when I have called credence they attempt to force me to provide my financial information to pay for some form of credit checking service which I am not comfortable providing given the nature of online scam calls and the fact that this debt was fraudulent in the first place. Additionally I have not received any form of physical documentation or written requests related to this debt in the past to my knowledge and despite my requests to credence to have this debt removed from my name they keep sending me automated texts and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, Ky XXXX ] [ XX/XX/XXXX ] Equifax CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Actions Requested : XXXX. * * Remove Incorrect Addresses : * * Please remove the incorrect addresses listed above from my credit report. 
XXXX. * * Correct Name : * * Please ensure that only my correct name, [ Insert your correct name ], is reflected on my credit report. 
XXXX. * * Remove Incorrect Employers : * * Please remove the incorrect employers listed above from my credit report. 

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID ( e.g., driver 's license, passport ). 
- A utility bill or bank statement showing my correct address. 
- A copy of a recent pay stub or a letter from my current employer verifying my correct employment information. 

Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief